DevchandraSah/indian-credit-card-facts huggingface dataset:
HSBC Premier World Mastercard (HSBC)
Change effective 2025 (announced ) — welcome, neutral, magnitude minor
Welcome bonus switched from Taj voucher to 20,000 Reward Points
Before: ₹12,000 Taj Hotels gift card
After: 20,000 Reward Points (transferable 1:1)
AU Xcite Ace Credit Card (AU Small Finance Bank)
Change effective 2025 (announced ) — fee, devaluation, magnitude major
Lifetime-free status ends; ₹749 fee introduced
Before: Lifetime-free (₹0 joining, ₹0 annual)
After: ₹749 + GST joining and annual fee, waived on ₹2,00,000 annual spend
AU Xcite Ace Credit Card (AU Small Finance Bank)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude minor
Domestic airport lounge access made spend-gated at ₹20,000/quarter
Before: 2 complimentary domestic lounge visits/quarter, no spend condition
After: ₹20,000 minimum spend per calendar quarter
AU SPONT Credit Card (AU Small Finance Bank)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude minor
Domestic airport lounge access made spend-gated
Before: no documented spend condition on domestic lounge access
After: ₹20,000 minimum spend per calendar quarter
ICSI Diamond BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — reward, devaluation, magnitude minor
Core reward points removed on wallet-load spends
Before: Core points on wallet loads
After: No points on wallet-load MCCs (6539–6542)
ICSI Diamond BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude major
Domestic lounge access gated to a quarterly spend
Before: 12 visits a year (3 per quarter), no spend condition
After: 12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding quarter
ICSI Diamond BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — reward, revaluation, magnitude minor
Per-cycle cap on UPI reward points removed
Before: 500 reward points per statement cycle on UPI
After: Uncapped reward points on UPI spends
ICSI Diamond BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet, high-value utility and fuel spends
Before: No processing fee on these spends
After: 1% on wallet loads; 1% (max ₹3,000) on utility ≥₹50,000; 1% on fuel ≥₹10,000
CMA One BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude major
Domestic lounge access gated to ₹40,000 quarterly spend
Before: 12 visits a year (3 per quarter), unconditional
After: 12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding calendar quarter
CMA One BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees introduced on wallet-load, high-value utility and fuel spends
Before: No processing fee on wallet loads, utility or fuel spends
After: 1% on wallet loads; 1% (max ₹3,000) on utility spends ≥₹50,000; 1% on fuel spends ≥₹10,000
CMA One BOBCARD Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — reward, devaluation, magnitude minor
Reward points removed on wallet-load transactions
Before: Core reward points earned on wallet loads
After: No reward points on wallet-load MCCs (6539–6542)
BOBCARD Prime Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet-load, utility and large fuel spends
Before: No processing fee on wallet loads, utility or fuel
After: 1% wallet loads; 1% utility ≥₹50,000; 1% fuel ≥₹10,000
BOBCARD Prime Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — reward, devaluation, magnitude minor
Reward points removed on wallet-load spends
Before: Earned 2 RP per ₹100
After: No reward points
BOBCARD Prime Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — reward, revaluation, magnitude minor
UPI reward-point cap removed
Before: Max 500 RP per statement cycle on UPI
After: Unlimited RP on UPI
Samsung Axis Bank Infinite Credit Card (Axis Bank)
Change effective 2025 (announced ) — eligibility, devaluation, magnitude minor
New applications paused; buyers directed to the Signature
Before: Open to new applications
After: Apply flow paused; Axis redirects prospects to Samsung Axis Bank Signature
Bank of Baroda Eterna Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — benefit, devaluation, magnitude minor
Golf benefit discontinued
Bank of Baroda Eterna Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — lounge, devaluation, magnitude major
Lounge access gated to ₹40,000/quarter spend
Before: Unlimited, unconditional
After: ₹40,000 spend in prior quarter
Bank of Baroda Eterna Credit Card (BOBCARD)
Change effective 2025-01-01 (announced ) — fee, devaluation, magnitude minor
Processing fees added on wallet-load and utility spends
IndusInd Bank Avios Visa Infinite Credit Card (IndusInd Bank)
Change effective 2025 (announced ) — benefit, devaluation, magnitude minor
Qatar Airways Gold status withdrawn
Before: Complimentary Qatar Gold status fast-track
After: No complimentary tier status
SBI Card ELITE (SBI Card)
Change effective 2025 (announced ) — benefit, devaluation, magnitude major
Club Vistara Silver & Trident Privilege memberships discontinued
Before: Complimentary Club Vistara Silver + Trident Privilege Red memberships
After: Both memberships withdrawn
IRCTC SBI Card Premier (SBI Card)
Change effective 2024-12-26 (announced ) — reward, revaluation, magnitude minor
Value-back now credited on the complete booking
Before: Cardholder's fare only
After: Complete booking
IRCTC SBI Platinum Card (SBI Card)
Change effective 2024-12-26 (announced ) — reward, revaluation, magnitude minor
Value-back now credited on the complete booking
Before: Cardholder's fare only
After: Complete booking
ixigo AU Credit Card (AU Small Finance Bank)
Change effective 2024-12-22 (announced ) — reward, devaluation, magnitude major
International spend, rent, education, government and BBPS stop earning rewards
Before: Reward points earned across general spend categories, including international transactions
After: Nil reward points on international spend, rent (MCC 6513), education/government MCCs, and BBPS bill payments
Flipkart Axis Bank Super Elite Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude major
Bank-wide charges revision — finance charge standardized, new fees added
Axis Bank Burgundy Private Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide ancillary fee revision — Burgundy Private exempt from most of it
Axis Bank Burgundy Private Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, neutral, magnitude minor
Finance charge held at 1.50%/month, not swept into the portfolio standardization
Before: 1.50%/month (19.56% p.a.)
After: 1.50%/month — unchanged, against a far higher portfolio standard
Axis Bank Select Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised
Before: No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction
After: ₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle
Miles & More Axis Bank World Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide charges revision raises ancillary fees and standardises finance charge
Before: Pre-revision Axis charge schedule
After: Finance charge standardised to 3.75%/month; higher DCC, cash-payment and rent-surcharge fees; new penalty and threshold fees
Axis Bank Neo Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised
Before: No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction
After: ₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle
SpiceJet Axis Bank Voyage Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide charges revision raises ancillary fees
Before: Lower/absent ancillary fees; DCC markup 1%; branch cash payment ₹100
After: Finance charge standardised to 3.75%/month; DCC markup 1.5%; branch cash payment ₹175; rent surcharge 1% uncapped; new auto-debit-reversal and minimum-due penalty fees
Axis Bank Rewards Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Ancillary charges revised across the portfolio
Axis Bank Horizon Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Portfolio-wide charges revision — ancillary fees raised, finance charge standardised
Before: 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction
After: 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 — the ₹99 EDGE redemption and ₹199 partner-conversion fees do NOT apply to this card
Miles & More Axis Bank World Select Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude major
Bank-wide charges revision: DCC markup raised, new surcharges added
Before: 1% dynamic currency conversion markup; ₹100 cash payment at branch; 1% rent surcharge capped ₹1,500/txn; no wallet/fuel/utility spend surcharge
After: 1.5% dynamic currency conversion markup; ₹175 cash payment at branch; 1% rent surcharge uncapped; new 1% surcharge on wallet loads >₹10,000, fuel >₹50,000, utility bills >₹25,000; new 2% (min ₹500) auto-debit reversal fee; new ₹100/month penalty for two consecutive missed minimum-due payments
Samsung Axis Bank Signature Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude major
Bank-wide charges revision — finance charge raised, new surcharges and EDGE fees
Before: ~3.6%/mo finance charge; 1% DCC markup; no wallet/fuel/utility surcharge; free EDGE redemption
After: 3.75%/mo finance charge; 1.5% DCC markup; 1% surcharges on high wallet/fuel/utility spends; ₹99 EDGE redemption fee, ₹199 points-to-partner conversion fee
LIC Axis Bank Signature Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide charges revision — finance rate standardised, new ancillary fees added
Before: Pre-Dec-2024 fee schedule
After: 3.75%/month finance charge; DCC markup 1% -> 1.5%; branch cash payment ₹100 -> ₹175; new fees added
Axis Bank Freecharge Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide charges revision — finance rate standardised, new ancillary fees added
Before: Pre-Dec-2024 fee schedule; no EDGE redemption fee
After: 3.75%/month finance charge; DCC markup 1% -> 1.5%; new fees added
IndianOil Axis Bank Premium Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide charges revision — new ancillary fees, DCC markup raised
Before: Pre-Dec-2024 fee schedule
After: 3.75%/month finance charge; DCC markup 1% → 1.5%; ₹175 branch cash payment, uncapped 1% rent surcharge, and 1% fee on large wallet/fuel/utility/gaming loads — the ₹99 EDGE redemption and ₹199 partner-conversion fees do NOT apply to this card
Axis Bank Atlas Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised
Before: No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction
After: ₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle
Axis Bank Freecharge Plus Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude major
Bank-wide charges revision: finance charge, DCC markup and new fees raised
Before: 3.6%/mo finance charge; 1% DCC markup; ₹100 branch cash-payment fee; no wallet/fuel/utility spend surcharge
After: 3.75%/mo finance charge; 1.5% DCC markup; ₹175 branch cash-payment fee; new 1% surcharges on high wallet-load/fuel/utility spends; new auto-debit-reversal and EDGE-linked fees
Axis Bank Primus Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, neutral, magnitude minor
Finance charge held at 1.00%/month, not swept into the portfolio standardization
Before: 1.00%/month (12.68% p.a.)
After: 1.00%/month — unchanged, against a far higher portfolio standard
Axis Bank Cashback Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude major
Bank-wide charges revision: DCC markup raised, new surcharges added
Before: 1% dynamic currency conversion markup; ₹100 cash payment at branch; 1% rent surcharge capped ₹1,500/txn; no wallet/fuel/utility spend surcharge
After: 1.5% dynamic currency conversion markup; ₹175 cash payment at branch; 1% rent surcharge uncapped; new 1% surcharge on wallet loads >₹10,000, fuel >₹50,000, utility bills >₹25,000; new 2% (min ₹500) auto-debit reversal fee; new ₹100/month penalty for two consecutive missed minimum-due payments
Axis Bank Olympus Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide charges revision — Olympus carved out of most of it
SpiceJet Axis Bank Voyage Black Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide charges revision — new ancillary fees, DCC markup raised
Before: DCC markup 1%; capped rent surcharge; no reversal fee
After: DCC markup 1.5%; uncapped 1% rent surcharge; new reversal & high-spend fees
Axis Bank Reserve Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised
Before: No EDGE redemption or partner-conversion fee; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction
After: ₹99 per EDGE redemption and ₹199 per partner conversion; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000; finance charge held at 3.00%/month
Axis Bank MyZone Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised
Before: No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction
After: ₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle
Fibe Axis Bank Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude major
Spend surcharges introduced across the Axis portfolio
Before: No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn
After: 1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps
Axis Bank Flipkart Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude major
Finance charges raised; new spend surcharges added
Before: 3.6%/mo APR; 1% DCC markup; no wallet/fuel/utility surcharge
After: 3.75%/mo APR; 1.5% DCC markup; 1% surcharges on high wallet/fuel/utility/education/gaming spends
Axis Bank Shoppers Stop Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide charges revision
Axis Bank Privilege Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Bank-wide ancillary fee revision — new surcharges and redemption fees
IndianOil Axis Bank Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised
Before: No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction
After: ₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle
Samsung Axis Bank Infinite Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Axis portfolio-wide charges revision
Samsung Axis Bank Infinite Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — reward, neutral, magnitude minor
Samsung cashback marketplace routing moved Flipkart to Amazon
Before: Samsung products bought via Flipkart earned the 10% cashback
After: Samsung products on Amazon earn the 10% cashback (Flipkart dropped)
Axis Bank ACE Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude major
Spend surcharges introduced — 1% on utilities above ₹25,000 a cycle
Before: No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn
After: 1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps
Axis Bank Magnus Credit Card (Axis Bank)
Change effective 2024-12-20 (announced ) — fee, devaluation, magnitude minor
Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised
Before: No EDGE redemption or partner-conversion fee; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction
After: ₹99 per EDGE redemption and ₹199 per partner conversion; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000; finance charge held at 3.00%/month
Times Black ICICI Bank Credit Card (ICICI Bank)
Change effective 2024-12-18 (announced ) — launch, neutral, magnitude major
Times Black ICICI Bank Credit Card launches
HSBC Taj Credit Card (HSBC)
Change effective 2024-12-17 (announced ) — launch, neutral, magnitude major
HSBC and Taj launch India's first super-premium hotel co-brand
AU LIT Credit Card (AU Small Finance Bank)
Change effective 2024-12-17 (announced ) — lounge, devaluation, magnitude minor
Airport-lounge pack repriced; two-visit tier dropped
Before: ₹199 per 90 days for 1 visit, or ₹299 per 90 days for 2 visits
After: ₹399 per 90 days per visit, single tier; up to 2 visits selectable (so 2 visits = ₹798)
AU LIT Credit Card (AU Small Finance Bank)
Change effective 2024-12-17 (announced ) — benefit, devaluation, magnitude minor
Cult.fit dropped as membership-pack partner
Before: Cult.fit, ZEE5 and Amazon Prime available as membership-pack options
After: ZEE5 (₹99) and Amazon Prime (₹299) remain; Cult.fit removed
AU LIT Credit Card (AU Small Finance Bank)
Change effective 2024-12-17 (announced ) — reward, devaluation, magnitude minor
Dining and travel dropped from cashback pack categories
Before: Grocery, travel and dining selectable at up to 5% cashback
After: Only grocery (₹299) and apparel (₹199) remain selectable; dining and travel removed
IndusInd Bank Platinum RuPay Credit Card (IndusInd Bank)
Change effective 2024-12-15 (announced ) — redemption, devaluation, magnitude major
Non-cash redemption rate cut from ₹0.85 to ₹0.60 a point
Before: 1 RP = ₹0.85 (non-cash, excluding airmiles)
After: 1 RP = ₹0.60 (non-cash, excluding airmiles)
Bank of Baroda Tiara Credit Card (BOBCARD)
Change effective 2024-12-13 (announced ) — launch, neutral, magnitude major
Tiara launched — women-exclusive premium card
YES Private Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — redemption, devaluation, magnitude major
Point redemption capped at 70% of invoice
Before: Full invoice redeemable in points
After: 70% of invoice, up to 6,00,000 points a month
Apollo SBI Card SELECT (SBI Card)
Change effective 2024-12-01 (announced ) — reward, devaluation, magnitude minor
Digital gaming spends stop earning
Before: Reward Points earned
After: No Reward Points on MCC 5816, 7993, 7994
Shaurya Select SBI Card (SBI Card)
Change effective 2024-12-01 (announced ) — reward, devaluation, magnitude minor
Digital gaming spends stop earning
Before: Reward Points earned
After: No Reward Points on MCC 5816, 7993, 7994
YES Private Prime Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — redemption, devaluation, magnitude major
Point redemption capped at 70% of invoice
Before: Full invoice payable in YES Rewardz
After: 70% of the invoice, up to 6,00,000 YES Rewardz a calendar month
YES Bank Select Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — fee, devaluation, magnitude minor
Finance charges raised to 3.99% a month
After: 3.99% a month (47.88% a year)
YES Bank Select Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — redemption, devaluation, magnitude major
Point redemption capped at 70% of invoice
Before: Full invoice redeemable in points
After: 70% of invoice, max 1,00,000 points per calendar month
YES Bank Wellness Plus Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — fee, devaluation, magnitude minor
Finance charges raised to 3.99% a month
After: 3.99% a month (47.88% a year)
YES Bank Wellness Plus Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — redemption, devaluation, magnitude major
Point redemption capped at 70% of invoice
Before: Full invoice redeemable in points
After: 70% of invoice, max 1,00,000 points a calendar month
YES First Exclusive Credit Card (now YES Bank RESERV) (YES Bank)
Change effective 2024-12-01 (announced ) — redemption, devaluation, magnitude major
Point redemption capped at 70% of invoice
Before: Full invoice redeemable in points
After: 70% of invoice, max 2,00,000 points/month
YES Bank Ace Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — fee, devaluation, magnitude minor
Finance charge raised to 3.99% per month
Before: 3.80% per month
After: 3.99% per month (47.88% a year)
YES Bank Ace Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — redemption, devaluation, magnitude major
Point redemption capped at 70% of invoice
Before: Full invoice payable in YES Rewardz
After: 70% of invoice, max 1,00,000 points a calendar month
YES Bank Elite+ Credit Card (YES Bank)
Change effective 2024-12-01 (announced ) — fee, devaluation, magnitude minor
Finance charges raised to 3.99% per month
After: 3.99% per month (47.88% p.a.)