Credit card changes and devaluations

The buy-one-get-one District movie offer will need ₹25,000 of spend in the previous 3 months (waived for a new card's month of issue and the next 3 months).

Before: No spend condition · After: ₹25,000 spend in the previous 3 calendar months

Announced change, takes effect after the log date.

The 10% BookMyShow discount (up to ₹100) will need ₹25,000 of spend in the previous 3 months (waived for a new card's month of issue and the next 3 months).

Before: No spend condition · After: ₹25,000 spend in the previous 3 calendar months

Announced change, takes effect after the log date.

The buy-one-get-one movie ticket offer on District needs ₹25,000 of spend in the previous 3 months; new cards are exempt in their month of issue and the next 3 months.

Before: No spend condition · After: ₹25,000 of spend in the previous 3 months

The 10% BookMyShow discount (up to ₹100) will need ₹25,000 of spend in the previous 3 months (waived for a new card's month of issue and the next 3 months).

Before: No spend condition · After: ₹25,000 spend in the previous 3 calendar months

Announced change, takes effect after the log date.

International spends will no longer earn reward points.

Before: Points at the standard rate (about 0.33% back) on international spends · After: No points on international spends

Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.

International spends will no longer earn reward points.

Before: Points at the standard rate (0.5% back) on international spends · After: No points on international spends

Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.

International spends will no longer earn reward points.

Before: 10X points (1.25% back) on international spends · After: No points on international spends

Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.

International spends will no longer earn reward points.

Before: 10X points (1.25% back) on international spends · After: No points on international spends

Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.

International spends will no longer earn reward points.

Before: 10X points (1.25% back) on international spends · After: No points on international spends

Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.

International spends will no longer earn reward points.

After: No points on international spends

Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.

International spends will no longer earn reward points.

Before: 10X points (1.25% back) on international spends · After: No points on international spends

Announced change, takes effect after the log date. Comes with the zero forex markup from 9 September 2026.

Primary cardholders on the Mastercard version now get a ₹5,000 Postcard Hotels voucher around their birthday.

After: ₹5,000 Postcard Hotels birthday voucher (Mastercard version)

ICICI's terms don't say what Mastercard holders got before. The Amex version's ₹5,000 Tata CLiQ birthday voucher is unchanged.

The 50% Jewels rate at select shopping brands now applies only when statement-cycle spends exceed ₹15,000; below that it earns 5% Jewels.

Before: 50% Jewels at select shopping brands, no spend condition · After: 50% Jewels only above ₹15,000 cycle spend, else 5%

No forex markup on eligible international transactions.

Before: Not published for this card · After: 0%

A physical Platinum card now needs a fixed deposit of ₹50,000.

Before: Not published · After: ₹50,000 FD

New one-time ₹150 fee (incl. GST) if you close the card, or cut its limit to ₹4,500 or less, within 3 months of issue; a second card costs ₹150 (virtual) or ₹250 (physical).

Before: No such fees published · After: ₹150 early closure or limit-reduction fee; ₹150/₹250 second card

Spends that don't earn points (insurance, rent, fuel, education, utility and telecom bills, wallet loads, gold and jewellery, government payments and gift cards) no longer count towards the ₹3 lakh a year that unlocks 6 extra international lounge visits, 6 extra golf rounds and Priority Pass renewal.

Before: These spends counted towards ₹3 lakh · After: Only point-earning spends count towards ₹3 lakh

New cardholders now get the welcome Free Night Award and 10 Elite Night Credits only after the first card fee is charged; before, a single ₹500 purchase in the first 90 days could unlock them sooner.

Before: On the card fee or a ₹500 purchase within 90 days, whichever came first · After: On the card fee being charged

Applies to cards issued from 1 Oct 2026; the fee is charged about 45 days after issue.

No forex markup on international transactions.

After: 0% forex markup

The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.

No forex markup on international transactions.

After: 0% forex markup

The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.

No forex markup on international transactions.

After: 0% forex markup

The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.

No forex markup on international transactions.

After: 0% forex markup

The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.

No forex markup on international transactions.

After: 0% forex markup

The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.

No forex markup on international transactions.

After: 0% forex markup

The notice covers all IDFC FIRST cards ('savings of up to 3.5%') and doesn't state this card's earlier markup.

No forex markup on international transactions.

Before: 1.5% + GST forex markup · After: 0% forex markup

Earlier markup from the bank's May 2026 cardholder notice.

For cards issued from 1 Sep 2026, the 5,000 welcome EDGE Miles are credited within 60 days of the qualifying transaction instead of 7.

Before: Credited within 7 days · After: Credited within 60 days

Domestic lounge visits halve to 2 a year (no more than one every 6 months), and 1 international visit a year is added.

Before: 4 domestic lounge visits a year · After: 2 domestic visits a year (one per 6 calendar months) and 1 international visit a year

The before value is from HSBC's lounge-access page, which still lists 4 domestic visits a year. Marked worse because total visits fall from 4 to 3 and domestic visits halve.

Joining fee rose from ₹250 (waived if the credit limit was ₹18,000 or more) to ₹424, with no waiver.

Before: ₹250, waived with a credit limit of ₹18,000 or more · After: ₹424, no waiver

₹424 plus GST is about ₹500. The product page still shows 'no joining fee' as a limited-period offer.

A cashback programme started: 2% on eligible spends, including UPI in the Kotak811 app, in billing cycles with ₹15,000 or more of spend, up to ₹500 a cycle.

After: 2% cashback, ₹15,000 minimum spend per cycle, ₹500 cap per cycle (₹200 from UPI)

Applies from billing cycles starting in September 2026. The earlier reward structure isn't on a current official page, so we can't say whether this is better or worse.

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) fell from 3.5% to 2%.

Before: 3.5% · After: 2%

New ₹170 fee if you cancel the card within 90 days of issue.

Before: No fee · After: ₹170 if cancelled within 90 days

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Axis's card-wide terms now state that bridge fees, road fees and tolls earn no cashback; the card's cashback terms already excluded them.

Before: Tolls excluded in the cashback terms · After: Tolls, bridge and road fees excluded in the card-wide terms

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 2%.

Before: 1.5% · After: 2%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls no longer earn reward points.

After: No points on bridge fees, road fees and tolls

Priority Pass no longer works at domestic lounges in India; domestic visits now use the Magnus card at Axis's listed lounges.

Before: Priority Pass accepted at 10 listed domestic lounges, such as Agartala, Amritsar, Bhopal, Guwahati and Varanasi · After: Domestic lounges only with the Magnus card, at Axis's lounge list

9 of the 10 Priority Pass domestic lounges aren't on Axis's card lounge list (Kochi's Earth Lounge is). Lounges after immigration at Indian international terminals still count as international.

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 2%.

Before: 1.5% · After: 2%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls no longer earn reward points.

After: No points on bridge fees, road fees and tolls

Priority Pass no longer works at domestic lounges in India; domestic visits now use the card itself at Axis's listed lounges.

Before: Priority Pass accepted at 10 listed domestic lounges, such as Agartala, Amritsar, Bhopal, Guwahati and Varanasi · After: Domestic lounges only with the card, at Axis's lounge list

9 of the 10 Priority Pass domestic lounges aren't on Axis's card lounge list (Kochi's Earth Lounge is). Lounges after immigration at Indian international terminals still count as international.

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls now earn no rewards (tolls were already excluded).

Before: Tolls excluded on the product page only · After: Tolls, bridge and road fees excluded in the card terms

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

The card's own page still shows 1.5%.

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls no longer earn reward points.

After: No points on bridge fees, road fees and tolls

Axis's card-wide notice; the card page doesn't say whether tolls earned points before.

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls no longer earn reward points.

After: No points on bridge fees, road fees and tolls

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls no longer earn reward points.

After: No points on bridge fees, road fees and tolls

Priority Pass no longer works at domestic lounges in India; domestic visits now use the Select card at Axis's listed lounges.

After: Domestic lounges only with the Select card, at Axis's lounge list

Lounges after immigration at Indian international terminals still count as international and take Priority Pass.

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls no longer earn cashback.

After: No cashback on bridge fees, road fees and tolls

The current SUPERMONEY cashback terms also list tolls as excluded; it isn't clear whether the earlier version did.

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls no longer earn cashback.

After: No cashback on bridge fees, road fees and tolls

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Bridge fees, road fees and tolls no longer earn reward points.

After: No points on bridge fees, road fees and tolls

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Card terms now state that bridge fees, road fees and tolls earn no rewards; the LIC rewards terms already excluded them.

Before: Tolls excluded in the LIC rewards terms · After: Tolls, bridge and road fees excluded in the card terms

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Card terms now state that bridge fees, road fees and tolls earn no rewards; the LIC rewards terms already excluded them.

Before: Tolls excluded in the LIC rewards terms · After: Tolls, bridge and road fees excluded in the card terms

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

Before: 1.5% · After: 3.5%

Horizon's own notice dates this 21 Aug 2026; Axis's card-wide notice gives 28 Aug 2026.

Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

After: ₹1,300 on balances of ₹50,000 and above

Horizon's own notice dates this 21 Aug 2026; Axis's card-wide notice gives 28 Aug 2026.

A RuPay version was launched, so the card can now be linked to UPI apps for QR payments.

After: RuPay version with UPI payments

The Live+ Reserve adds dining and lifestyle perks: a set menu, a complimentary drink or a complimentary dessert at participating restaurants, booked through HSBC's Times Prime portal.

Before: No Live+ Reserve benefit · After: Set menu, complimentary drink or dessert at participating restaurants, plus partner lifestyle offers (₹1 card check per redemption)

Offer period 1 August 2026 to 31 July 2027.

The monthly buy-one-get-one movie offer now needs ₹20,000 of card spend in the previous calendar month.

Before: No spend condition stated · After: ₹20,000 spend in the previous calendar month

Bills and utilities no longer earn reward points and don't count for the 5X bonus.

Before: Bills and utilities earned points · After: No points on bills and utilities

Federal Bank's card. The BOBCARD-issued OneCard made the same change from 29 August 2026.

Joining and annual fees became nil for customers who open an Axis Burgundy savings account on or after 1 Jul 2026; everyone else still pays ₹3,000.

Before: ₹3,000 joining and annual fee for all · After: Nil for Burgundy savings account holders (opened on or after 1 Jul 2026), ₹3,000 otherwise

Axis says the offer is at its discretion and can be withdrawn.

Joining and annual fees became nil for new Axis Burgundy salary account customers whose net monthly salary credit is ₹2 lakh or more; this version has no welcome voucher. Everyone else still pays ₹12,500.

Before: ₹12,500 joining and annual fee for all · After: Nil for qualifying Burgundy salary customers (onboarded from 1 Jul 2026), ₹12,500 otherwise

Axis can withdraw the offer, and the card moves to the ₹12,500 fee if the salary account leaves the Burgundy segment.

The 2 domestic and 1 international lounge visits a calendar quarter now need ₹60,000 of spend in the previous calendar quarter and come as vouchers on HDFC SmartBuy.

Before: No spend condition · After: ₹60,000 spend in the previous calendar quarter

Spend in Apr-Jun 2026 counted for access in Jul-Sep 2026.

Brand vouchers bought through HDFC SmartBuy now earn at most 3,000 extra points a month, within the unchanged 15,000-point monthly limit on SmartBuy extra points.

After: 3,000 extra points a month on SmartBuy brand vouchers

Domestic lounge visits (3 a calendar quarter) now need ₹60,000 of spend in the previous calendar quarter; the 6 international Priority Pass visits a year are unchanged.

Before: No spend condition · After: ₹60,000 spend in the previous calendar quarter

Spend in Apr-Jun 2026 counted for access in Jul-Sep 2026. Announced in HDFC's 15 May 2026 notice.

The special-category monthly milestone now includes education spends and adds a second tier: 400 more points at ₹40,000, for up to 800 points a cycle.

Before: FASTag and railway only: 400 points at ₹20,000 · After: Education, FASTag and railway: 400 points at ₹20,000, 800 at ₹40,000

The bank gives the start as the July 2026 statement cycle, not a single date; 1 July 2026 is used.

UPI payments made outside the PhonePe app (scan-and-pay or online UPI) no longer earn reward points; scan-and-pay in the PhonePe app still earns 1%.

After: No points on UPI outside the PhonePe app

SBI Card's notice doesn't state the earlier UPI earn rate.

Monthly cap on 3% PhonePe-app spends split into 750 points (non-insurance) and 250 points (insurance), and the cap on 2% online spends cut to 750 points.

Before: PhonePe spends 1,000 points; online 1,000 points a month · After: PhonePe spends 750 + 250 (insurance) points; online 750 points a month

No points on tolls, gift shops, jewellery and college fees, or on utilities and insurance paid outside the PhonePe app.

After: Excluded: MCC 4784, 5947, 5094, 5944, 8220, and 4900, 4814, 4899, 5960, 6300, 6380 outside PhonePe

UPI payments made outside the PhonePe app (scan-and-pay or online UPI) no longer earn reward points; scan-and-pay in the PhonePe app still earns 1%.

After: No points on UPI outside the PhonePe app

SBI Card's notice doesn't state the earlier UPI earn rate.

Monthly cap on 10% PhonePe-app spends split into 1,500 points (non-insurance) and 500 points (insurance), and the cap on 5% online spends halved to 1,000 points.

Before: PhonePe spends 2,000 points; online 2,000 points a month · After: PhonePe spends 1,500 + 500 (insurance) points; online 1,000 points a month

No points on tolls, gift shops, jewellery and college fees, or on utilities and insurance paid outside the PhonePe app.

After: Excluded: MCC 4784, 5947, 5094, 5944, 8220, and 4900, 4814, 4899, 5960, 6300, 6380 outside PhonePe

Points are earned only on spends up to the credit limit in each billing cycle.

After: Points capped at spends up to the credit limit per cycle

Points are earned only on spends up to the credit limit in each billing cycle.

After: Points capped at spends up to the credit limit per cycle

The monthly 25% movie discount (up to ₹100) now needs at least one card transaction in the previous calendar month.

Before: No spend condition stated · After: At least one transaction in the previous calendar month

10X points moved from spends above ₹20,000 a month to dining, travel and international spends from the first rupee; other spends earn 3X.

Before: 10X on monthly spends above ₹20,000 and on birthday; 3X up to ₹20,000 · After: 10X on dining, travel and international from the first transaction; 3X on other spends

Reward points now expire 24 months after they are credited; the existing balance stays valid until July 2028.

Before: Points never expire · After: Points valid 24 months

The bank gives the start as the July 2026 statement cycle; 'never expire' is from its December 2025 notice.

Points are earned only on spends up to the credit limit in each billing cycle.

After: Points capped at spends up to the credit limit per cycle

The monthly 25% movie discount (up to ₹100) now needs at least one card transaction in the previous calendar month.

Before: No spend condition stated · After: At least one transaction in the previous calendar month

The buy-one-get-one movie ticket offer now needs ₹20,000 of card spend in the previous calendar month.

After: ₹20,000 spend in the previous calendar month

The notice doesn't state the earlier condition.

Points are earned only on spends up to the credit limit in each billing cycle.

After: Points capped at spends up to the credit limit per cycle

10X points moved from spends above ₹20,000 a month to dining, travel and international spends from the first rupee; other spends earn 3X.

Before: 10X on monthly spends above ₹20,000 and on birthday; 3X up to ₹20,000 · After: 10X on dining, travel and international from the first transaction; 3X on other spends

Reward points now expire 24 months after they are credited; the existing balance stays valid until July 2028.

Before: Points never expire · After: Points valid 24 months

Points are earned only on spends up to the credit limit in each billing cycle.

After: Points capped at spends up to the credit limit per cycle

The monthly 25% movie discount (up to ₹100) now needs at least one card transaction in the previous calendar month.

Before: No spend condition stated · After: At least one transaction in the previous calendar month

10X points on dining, travel and international spends now apply from the first transaction instead of only after ₹20,000 spend in a billing cycle.

Before: 10X unlocked after ₹20,000 spend in a cycle · After: 10X on dining, travel and international from the first transaction

Reward points now expire 24 months after they are credited; the existing balance stays valid until July 2028.

After: Points valid 24 months

The notice does not state the earlier validity.

Points are earned only on spends up to the credit limit in each billing cycle.

After: Points capped at spends up to the credit limit per cycle

The monthly buy-one-get-one movie offer now needs ₹20,000 of card spend in the previous calendar month.

Before: No spend condition stated · After: ₹20,000 spend in the previous calendar month

Points are earned only on spends up to the credit limit in each billing cycle, including spends made after repaying within the same cycle.

After: Points capped at spends up to the credit limit per cycle

The monthly 25% movie discount (up to ₹100) now needs at least one card transaction in the previous calendar month.

Before: No spend condition stated · After: At least one transaction in the previous calendar month

10X points on dining, travel and international spends now apply from the first transaction instead of only after ₹20,000 spend in a billing cycle.

Before: 10X unlocked after ₹20,000 spend in a cycle · After: 10X on dining, travel and international from the first transaction

Reward points now expire 24 months after they are credited; the existing balance stays valid until July 2028.

After: Points valid 24 months

The notice does not state the earlier validity.

Points are earned only on spends up to the credit limit in each billing cycle.

After: Points capped at spends up to the credit limit per cycle

Reward points now expire 24 months after they are credited; the existing balance stays valid until July 2028.

Before: Points never expire · After: Points valid 24 months

Points are earned only on spends up to the credit limit in each billing cycle, including spends made after repaying within the same cycle.

After: Points capped at spends up to the credit limit per cycle

New bonus points on travel booked in the bank's app: 10% extra on hotels and 5% extra on flights, on top of base points.

Before: No app travel bonus · After: 10% bonus on hotels, 5% on flights booked in the app

The 1% fee on fuel spends now starts above ₹30,000 per statement cycle instead of ₹50,000.

Before: 1% fee on fuel above ₹50,000 a cycle · After: 1% fee on fuel above ₹30,000 a cycle

Markup on rupee payments at foreign or overseas-registered merchants (dynamic currency conversion) rose from 1% to 2%.

Before: 1% + GST · After: 2% + GST

Late payment fees rose in the middle slabs, for example from ₹350 to ₹500 on dues of ₹501–1,000 and from ₹550 to ₹750 on dues of ₹5,001–10,000.

Before: ₹350 (₹501–1,000), ₹550 (₹1,001–10,000), ₹800 (₹10,001–25,000) · After: ₹500 (₹501–1,000), ₹600 (₹1,001–5,000), ₹750 (₹5,001–10,000), ₹900 (₹10,001–25,000)

New 1% fee on rail, bus and toll spends (MCC 4111, 4112, 4131, 4784) above ₹40,000 per statement cycle.

After: 1% + GST above ₹40,000 a cycle

The 1% fee on fuel spends now starts above ₹30,000 per statement cycle instead of ₹50,000.

Before: 1% fee on fuel above ₹50,000 a cycle · After: 1% fee on fuel above ₹30,000 a cycle

Markup on rupee payments at foreign or overseas-registered merchants (dynamic currency conversion) rose from 1% to 2%.

Before: 1% + GST · After: 2% + GST

Late payment fees rose in the middle slabs, for example from ₹350 to ₹500 on dues of ₹501–1,000 and from ₹550 to ₹750 on dues of ₹5,001–10,000.

Before: ₹350 (₹501–1,000), ₹550 (₹1,001–10,000), ₹800 (₹10,001–25,000) · After: ₹500 (₹501–1,000), ₹600 (₹1,001–5,000), ₹750 (₹5,001–10,000), ₹900 (₹10,001–25,000)

New 1% fee on rail, bus and toll spends (MCC 4111, 4112, 4131, 4784) above ₹40,000 per statement cycle.

After: 1% + GST above ₹40,000 a cycle

Markup on rupee payments at foreign or overseas-registered merchants (dynamic currency conversion) rose from 1% to 2%.

Before: 1% + GST · After: 2% + GST

Late payment fees rose in the middle slabs, for example from ₹350 to ₹500 on dues of ₹501–1,000 and from ₹550 to ₹750 on dues of ₹5,001–10,000.

Before: ₹350 (₹501–1,000), ₹550 (₹1,001–10,000), ₹800 (₹10,001–25,000) · After: ₹500 (₹501–1,000), ₹600 (₹1,001–5,000), ₹750 (₹5,001–10,000), ₹900 (₹10,001–25,000)

New 1% fee on rail, bus and toll spends (MCC 4111, 4112, 4131, 4784) above ₹40,000 per statement cycle.

After: 1% + GST above ₹40,000 a cycle

The fee on wallet loads and transfers above ₹10,000 a month rose from 1% to 2% of the full amount.

Before: 1% once monthly transfers pass ₹10,000 · After: 2% once monthly transfers pass ₹10,000

Federal Bank's card. CSB's card made the same change from 1 December 2025 and South Indian Bank's from 1 February 2026.

Markup on rupee-billed payments abroad or at foreign-registered merchants (dynamic currency conversion) rose from 1% to 1.75%.

Before: 1% · After: 1.75%

The 1% figure is from the card's rewards terms, which haven't been updated.

Replacing a lost, stolen or damaged metal card now costs ₹3,500.

Before: ₹100 · After: ₹3,500

The card's fees page still lists ₹100.

Base earn rate cut from 4 points per ₹150 to 4 points per ₹200, about 1.33% to 1% back when points go to flights and hotels on SmartBuy; the Swiggy and Zomato 5X rate also moved to per ₹200.

Before: 4 points per ₹150 · After: 4 points per ₹200

The ₹150 rate is from HDFC's June 2023 card terms, which the fees page still links.

Markup on rupee-billed payments abroad or at foreign-registered merchants (dynamic currency conversion) set at 1.75%.

After: 1.75%

HDFC's notice calls this a revision, but no earlier Diners Privilege figure was found.

Replacing a lost, stolen or damaged card now costs ₹199.

Before: ₹100 · After: ₹199

The card's fees page still lists ₹100.

Markup on rupee-billed payments abroad or at foreign-registered merchants (dynamic currency conversion) rose from 1% to 1.75%.

Before: 1% · After: 1.75%

The 1% figure is from the card's rewards terms, which haven't been updated.

Replacing a lost, stolen or damaged metal card now costs ₹3,500.

Before: ₹100 · After: ₹3,500

The card's fees page still lists ₹100.

CashPoints are now earned per ₹200 instead of per ₹150: 2 per ₹200 on most spends and 20 per ₹200 at Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart stores.

Before: 2 per ₹150 (20 per ₹150 at the five merchants) · After: 2 per ₹200 (20 per ₹200 at the five merchants)

HDFC's notice gives the base rate; the 10X figures come from the card terms published the same day and HDFC's earlier FAQ.

Base earn rate cut from 4 points per ₹150 to 5 points per ₹200, about 1.33% to 1.25% back when points go to flights and hotels on SmartBuy.

Before: 4 points per ₹150 · After: 5 points per ₹200

The card's product page still shows the old rate.

Markup on rupee-billed payments abroad or at foreign-registered merchants (dynamic currency conversion) rose from 1% to 1.75%.

Before: 1% · After: 1.75%

The 1% figure is from HDFC's earlier Regalia Gold rewards terms.

Replacing a lost, stolen or damaged card now costs ₹199.

Before: ₹100 · After: ₹199

The card's fees page still lists ₹100.

New Boarding Edge benefit: upload an airline boarding pass on SmartBuy to pick any 2 of a spa session, a ₹750 Uber airport ride, a hotel buffet or a room upgrade each calendar quarter.

After: 2 travel benefits a calendar quarter

A 1.75% markup applies when you pay in rupees at a merchant abroad, or at an India-based merchant registered overseas.

After: 1.75% of the transaction

HDFC Bank's terms don't state the earlier rate.

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.

Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000

Cashback on Airtel bills (25%) and other utility bills (10%) in the Airtel Thanks app is now capped at twice and once the 1% cashback earned on other spends in the same cycle, instead of a flat ₹250 each. Heavier spenders can earn more; light spenders earn less.

Before: ₹250 a month cap on each · After: 2x (Airtel bills) and 1x (utility bills) the base cashback earned in the same cycle

Cashback under the new caps shows on statements generated from 12 Jun 2026.

10% cashback on Swiggy, Zomato and BigBasket was replaced by 10% value back on Zomato, Blinkit and District, paid as credit in each app's wallet (up to ₹200 a month per app, ₹499 minimum order at Zomato and Blinkit) instead of cashback on the card.

Before: 10% cashback on Swiggy, Zomato and BigBasket · After: 10% app-wallet value back on Zomato, Blinkit and District, up to ₹200 a month each

Free domestic airport lounge access ended.

Before: 4 domestic lounge visits a year · After: None

Cashback is capped at ₹2,000 on online spends (5%) and ₹2,000 on in-store spends (1%), ₹4,000 per statement cycle in total.

After: ₹2,000 online + ₹2,000 offline, ₹4,000 a cycle

The revision notice does not state the earlier cap.

No cashback on digital gaming (MCC 7993, 7994, 5816), tolls (MCC 4784) or government-related payments (MCC 9222, 9311, 9402).

Before: These categories earned cashback · After: Gaming, tolls and government payments excluded

Keeping the card now needs ₹18 lakh of card spend in a financial year or ₹50 lakh of average balances with HDFC Bank; cardholders who fall short are offered another card or have it closed with 30 days' notice.

After: ₹18 lakh card spend a financial year or ₹50 lakh relationship value

The BookMyShow discount (25% off up to ₹100, twice a month) now needs ₹25,000 of spend in the previous quarter.

After: ₹25,000 spend in the previous quarter

ICICI's terms list this as a revision effective 15 Jan 2026; spends from 26 Dec 2025 to 25 Mar 2026 unlock the April to June 2026 quarter, and the Coral page says it starts on 1 Apr 2026.

The BookMyShow buy-one-get-one offer (up to ₹750 off the second ticket) now needs ₹25,000 of spend in the previous quarter.

After: ₹25,000 spend in the previous quarter

ICICI's terms list this as a revision effective 15 Jan 2026; spends from 26 Dec 2025 to 25 Mar 2026 unlock the April to June 2026 quarter, and the Emeralde page says it starts on 1 Apr 2026.

The BookMyShow offer (25% off up to ₹150, twice a month) now needs ₹25,000 of spend in the previous quarter.

After: ₹25,000 spend in the previous quarter

ICICI's terms list this as a revision effective 15 Jan 2026; spends from 26 Dec 2025 to 25 Mar 2026 unlock the April to June 2026 quarter, and the Rubyx page says it starts on 1 Apr 2026.

The BookMyShow buy-one-get-one offer (up to ₹500 off, twice a month) now needs ₹25,000 of spend in the previous quarter.

After: ₹25,000 spend in the previous quarter

ICICI's terms list this as a revision effective 15 Jan 2026; spends from 26 Dec 2025 to 25 Mar 2026 unlock the April to June 2026 quarter, and the Sapphiro page says it starts on 1 Apr 2026.

Points can be redeemed for statement credit only in multiples of 4,000 points, up to 60,000 points a month.

After: Multiples of 4,000 points; max 60,000 points a month

Points can be redeemed for statement credit only in multiples of 4,000 points, up to 60,000 points a month.

After: Multiples of 4,000 points; max 60,000 points a month

Points can be redeemed for statement credit only in multiples of 4,000 points, up to 60,000 points a month.

After: Multiples of 4,000 points; max 60,000 points a month

Points can be redeemed for statement credit only in multiples of 4,000 points, up to 60,000 points a month.

After: Multiples of 4,000 points; max 60,000 points a month

Points can be redeemed for statement credit only in multiples of 4,000 points, up to 60,000 points a month.

After: Multiples of 4,000 points; max 60,000 points a month

Tata CLiQ added as a 10X reward points partner.

After: 10X points at Tata CLiQ

Transport spends (rail, bus, local transport and tolls) now earn reward points only on the first ₹10,000 of spend in a statement cycle.

Before: No cap on transport · After: Points on up to ₹10,000 of transport spend per statement cycle

Transport spends (rail, bus, local transport and tolls) now earn reward points only on the first ₹20,000 of spend in a statement cycle.

Before: No cap on transport · After: Points on up to ₹20,000 of transport spend per statement cycle

The BookMyShow offer on this card was discontinued.

Before: BookMyShow offer available · After: No BookMyShow offer

ICICI's terms name the card 'ICICI Bank Secured Platinum Credit Card'.

Transport spends (rail, bus, local transport and tolls) now earn reward points only on the first ₹10,000 of spend in a statement cycle.

Before: No cap on transport · After: Points on up to ₹10,000 of transport spend per statement cycle

Transport spends (rail, bus, local transport and tolls) now earn reward points only on the first ₹20,000 of spend in a statement cycle.

Before: No cap on transport · After: Points on up to ₹20,000 of transport spend per statement cycle

Transport spends (rail, bus, local transport and tolls) now earn reward points only on the first ₹20,000 of spend in a statement cycle.

Before: No cap on transport · After: Points on up to ₹20,000 of transport spend per statement cycle

Points are now earned per ₹200 spent instead of per ₹150, so every multiplier pays about 25% less.

Before: 1 point per ₹150 at 1X · After: 1 point per ₹200 at 1X

FASTag recharges and railway spends earn only 1X points and no longer count towards the ₹20,000 monthly threshold for 10X.

After: 1X on FASTag and railway; excluded from the 10X threshold

New 1% fee on the whole amount when FASTag recharges exceed ₹10,000 or railway spends exceed ₹25,000 in a billing cycle.

After: 1% + GST above ₹10,000 FASTag or ₹25,000 railway a cycle

No points for a billing cycle if the minimum amount due isn't paid by the due date; points already credited for that cycle are reversed.

After: Points forfeited for cycles with a missed minimum payment

Points are now earned per ₹200 spent instead of per ₹150, so every multiplier pays about 25% less.

Before: 1 point per ₹150 at 1X · After: 1 point per ₹200 at 1X

FASTag recharges and railway spends earn only 1X points and no longer count towards the ₹20,000 monthly threshold for 10X.

After: 1X on FASTag and railway; excluded from the 10X threshold

New 1% fee on the whole amount when FASTag recharges exceed ₹10,000 or railway spends exceed ₹25,000 in a billing cycle.

After: 1% + GST above ₹10,000 FASTag or ₹25,000 railway a cycle

No points for a billing cycle if the minimum amount due isn't paid by the due date; points already credited for that cycle are reversed.

After: Points forfeited for cycles with a missed minimum payment

Points are now earned per ₹200 spent instead of per ₹150, so every multiplier pays about 25% less.

Before: 1 point per ₹150 at 1X · After: 1 point per ₹200 at 1X

FASTag recharges and railway spends earn only 1X points (1 point per ₹200).

After: 1X on FASTag and railway

New 1% fee on the whole amount when FASTag recharges exceed ₹10,000 or railway spends exceed ₹25,000 in a billing cycle.

After: 1% + GST above ₹10,000 FASTag or ₹25,000 railway a cycle

No points for a billing cycle if the minimum amount due isn't paid by the due date; points already credited for that cycle are reversed.

After: Points forfeited for cycles with a missed minimum payment

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 1.99%.

Before: 1% · After: 1.99%

Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.

Before: ₹100 per payment · After: ₹150 per payment

New 1% fee on wallet loads of ₹5,000 or more.

Before: No fee · After: 1% on wallet loads of ₹5,000 or more

New 2% fee on skill-based gaming payments.

Before: No fee · After: 2%

New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.

Before: No fee · After: 1% on transport payments above ₹50,000

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 3.5%.

Before: 1% · After: 3.5%

Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.

Before: ₹100 per payment · After: ₹150 per payment

New 1% fee on wallet loads of ₹5,000 or more.

Before: No fee · After: 1% on wallet loads of ₹5,000 or more

New 2% fee on skill-based gaming payments.

Before: No fee · After: 2%

New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.

Before: No fee · After: 1% on transport payments above ₹50,000

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 2%.

Before: 1% · After: 2%

Most ICICI cards went to 3.5% on this date; the Emeralde cards are set at 2%.

Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.

Before: ₹100 per payment · After: ₹150 per payment

New 1% fee on wallet loads of ₹5,000 or more.

Before: No fee · After: 1% on wallet loads of ₹5,000 or more

New 2% fee on skill-based gaming payments.

Before: No fee · After: 2%

New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.

Before: No fee · After: 1% on transport payments above ₹50,000

Each add-on card now costs a one-time fee of ₹3,500.

After: ₹3,500 one-time per add-on card

ICICI's terms don't give the earlier add-on fee.

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 2%.

Before: 1% · After: 2%

Most ICICI cards went to 3.5% on this date; the Emeralde cards are set at 2%.

Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.

Before: ₹100 per payment · After: ₹150 per payment

New 1% fee on wallet loads of ₹5,000 or more.

Before: No fee · After: 1% on wallet loads of ₹5,000 or more

New 2% fee on skill-based gaming payments.

Before: No fee · After: 2%

New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.

Before: No fee · After: 1% on transport payments above ₹50,000

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 3.5%.

Before: 1% · After: 3.5%

Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.

Before: ₹100 per payment · After: ₹150 per payment

New 1% fee on wallet loads of ₹5,000 or more.

Before: No fee · After: 1% on wallet loads of ₹5,000 or more

New 2% fee on skill-based gaming payments.

Before: No fee · After: 2%

New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.

Before: No fee · After: 1% on transport payments above ₹50,000

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 3.5%.

Before: 1% · After: 3.5%

Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.

Before: ₹100 per payment · After: ₹150 per payment

New 1% fee on wallet loads of ₹5,000 or more.

Before: No fee · After: 1% on wallet loads of ₹5,000 or more

New 2% fee on skill-based gaming payments.

Before: No fee · After: 2%

New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.

Before: No fee · After: 1% on transport payments above ₹50,000

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 3.5%.

Before: 1% · After: 3.5%

Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.

Before: ₹100 per payment · After: ₹150 per payment

New 1% fee on wallet loads of ₹5,000 or more.

Before: No fee · After: 1% on wallet loads of ₹5,000 or more

New 2% fee on skill-based gaming payments.

Before: No fee · After: 2%

New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.

Before: No fee · After: 1% on transport payments above ₹50,000

Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 1.49%.

Before: 1% · After: 1.49%

Most ICICI cards went to 3.5% on this date; Times Black is set at 1.49%, the same as its forex markup.

Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.

Before: ₹100 per payment · After: ₹150 per payment

New 1% fee on wallet loads of ₹5,000 or more.

Before: No fee · After: 1% on wallet loads of ₹5,000 or more

New 2% fee on skill-based gaming payments.

Before: No fee · After: 2%

New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.

Before: No fee · After: 1% on transport payments above ₹50,000

Domestic lounge visits now work only at 16 listed lounges in 8 cities; the number of visits (4 a year) is unchanged.

After: 16 participating lounges in 8 cities

SBI Card's notice calls this a revision but doesn't publish the earlier list of lounges.

Domestic lounge visits now work only at 16 listed lounges in 8 cities; the number of visits (4 a year) is unchanged.

After: 16 participating lounges in 8 cities

SBI Card's notice names 'PhonePe SBI Card SELECT' and doesn't publish the earlier list of lounges.

Domestic lounge visits cut from 8 to 4 a year (from 2 to 1 a quarter), at a shorter list of 16 participating lounges.

Before: 8 a year, max 2 a quarter · After: 4 a year, max 1 a quarter

To keep the ₹20,000 annual fee waived through the balance route, Premier accounts opened from 1 Jan 2026 need a quarterly relationship balance of ₹50 lakh instead of ₹40 lakh; the home-loan route also needs ₹50 lakh within 12 months. Accounts opened earlier stay at ₹40 lakh.

Before: ₹40 lakh quarterly relationship balance · After: ₹50 lakh quarterly relationship balance for Premier accounts opened from 1 Jan 2026

Taken from the card's terms (Premier MITC 07/26), which state both thresholds and the date; no separate notice page found.

The extra 3.5% NeuCoins on Tata brand purchases are now credited the day after the purchase settles instead of once a month.

Before: Credited monthly for the previous month's spends · After: Credited the day after settlement (up to 5 working days)

The extra 1% NeuCoins on Tata brand purchases are now credited the day after the purchase settles instead of once a month.

Before: Credited monthly for the previous month's spends · After: Credited the day after settlement (up to 5 working days)

NeuCoins on purchases later converted to EMI are no longer paid with each monthly EMI; for eligible categories they are credited when the purchase settles.

Before: Credited on each monthly EMI principal · After: Credited once, on settlement of the purchase

NeuCoins on purchases later converted to EMI are no longer paid with each monthly EMI; for eligible categories they are credited when the purchase settles.

Before: Credited on each monthly EMI principal · After: Credited once, on settlement of the purchase

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

A CashPoint redeemed as statement credit is now worth ₹0.20, down from up to ₹0.25.

Before: Up to ₹0.25 a CashPoint · After: ₹0.20 a CashPoint

The ₹0.25 figure is from the card's own terms and FAQ, which haven't been updated; HDFC's fee schedule and product page give ₹0.20.

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction

New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.

After: 1% of the transaction

New 1% fee on every wallet load above ₹1,000.

After: 1% of the transaction