Credit card term changes & updates
When we re-verify a card against the issuer's official page and something has moved — a reward rate, a fee, a lounge rule, a perk quietly withdrawn — it is recorded here with the month the change was published or first seen. Every card in the registry was last checked against official sources in November 2026.
No longer accepting new applications. axis.bank.in Aura product page banner (checked 2026-11-08): 'This credit card is no longer available.' Data retained for existing cardholders; the card remains listed in the official Key Fact Sheet (updated 8 Oct 2026) with fees 749/749.
No longer accepting new applications. RE-CONFIRMED 2026-11-08: the legacy product page bankofmaharashtra.bank.in/secured-credit-card is reachable again (it 404'd on 2026-09-15), but the bank's exit stands - the live /credit-cards FAQ still states: "Bank of Maharashtra has taken a strategic decision to exit from cred…
No longer accepting new applications. BOI's current MITC (2026) states issuance of MasterCard credit cards is discontinued; product page still live with legacy charges.
No longer accepting new applications. RE-CONFIRMED 2026-11-08: the legacy product page bankofmaharashtra.bank.in/bom-credit-card is reachable again (it 404'd on 2026-09-15), but the bank's exit stands - the live /credit-cards FAQ still states: "Bank of Maharashtra has taken a strategic decision to exit from credit c…
No longer accepting new applications. SBI Card discontinued issuance of Central Bank of India co-branded SBI Credit Cards w.e.f. 26 July 2025 (per SBI Card's official customer notices page). No longer available to new applicants; terms below are the last verified set for existing holders.
No longer accepting new applications. SBI Card discontinued issuance of Central Bank of India co-branded SBI Credit Cards w.e.f. 26 July 2025 (per SBI Card's official customer notices page). No longer available to new applicants; terms below are the last verified set for existing holders.
No longer accepting new applications. SBI Card discontinued issuance of Central Bank of India co-branded SBI Credit Cards w.e.f. 26 July 2025 (per SBI Card's official customer notices page). No longer available to new applicants; terms below are the last verified set for existing holders.
No longer accepting new applications. Closed to new applicants. Official page states: "Note: We are no longer accepting applications for Chennai Super Kings ICICI Bank Credit Card." (re-verified 2026-11-08: banner still live; fees Rs.500/Rs.500 + GST with Rs.1.5L spend waiver, 10/2/1 reward tiers, 1 domestic lounge/…
No longer accepting new applications. SBI Card has withdrawn this card. Its official product page now returns a 404 and it is absent from the sbicard.com catalogue, so it cannot be applied for. Terms below are the last verified set and are kept for existing holders.
No longer accepting new applications. SBI Card has withdrawn this card. Its official product page now returns a 404 and it is absent from the sbicard.com catalogue, so it cannot be applied for. Terms below are the last verified set and are kept for existing holders.
No longer accepting new applications. SBI Card has withdrawn this card. Its official product page now returns a 404 and it is absent from the sbicard.com catalogue, so it cannot be applied for. Terms below are the last verified set and are kept for existing holders.
No longer accepting new applications. IKEA's own official card page (ikea.com/in/en/customer-service/finance-options-pub7f042530) states new applications are currently paused: 'How do I apply for the credit card? Currently card application is stopped.' and 'No new cards are being issued currently. For existing custo…
Prior 'BookMyShow 50% off movie tickets' perk no longer published on the official page as of 2026-11-08 - removed
APPLICATIONS PAUSED. VERIFIED 2026-11-08 on axis.bank.in/cards/credit-card/samsung-axis-bank-infinite-credit-card: 'We are currently not accepting applications for SAMSUNG AXIS BANK INFINITE Credit Card.' Benefits page content otherwise unchanged.
International-spend earn cut from 5X to 2X Reward Points effective 26 Oct 2026
SBM novio introduced an Annual Fee of Rs.299 + GST from the 2nd year onwards (first year free), waivable on a Rs.10,000+ FD balance or Rs.50,000+ prior-year spend (live KFS + MITC, re-verified 2026-11-08; an earlier '23 Oct 2026: 299 virtual / 499 physical' wording no longer appears in the live docs). Card Cancellat…
SBM ZET KFS states, not yet in effect as of this 2026-09-25 verification (about 4 weeks out): 'With effect from 23rd Oct 2026: Late payment fee — 5% of Total Outstanding Due (min Rs.50 and max Rs.1000)' (replacing a flat Rs.299 late fee) and 'Card Cancellation — Rs.499+GST if cancelled within two years of activation…
PENDING (not yet in effect as of 2026-09-25 verification): official 'Stable Money Credit Card Changes applicable from 5th October 2026' document + the dated 05/10/2026 KFS/MITC state: forex surcharge changes from 2.50%+GST to NIL (positive); new Early Closure/Limit Reduction Fee Rs.150 if credit limit is cut to <=Rs…
PENDING (not yet in effect as of 2026-09-25 verification): official 'Stable Money Credit Card Changes applicable from 5th October 2026' document + the dated 05/10/2026 KFS/MITC state: forex surcharge changes from 2.50%+GST to NIL (positive); new Early Closure/Limit Reduction Fee Rs.150 if credit limit is cut to <=Rs…
Joining/annual fee changed from Rs.0/Rs.0 to Rs.750/Rs.750 (waived on Rs.2,00,000 annual retail spend); a limited-time promo separately offers first year free.
Migration to Swiggy Ornge/BLCK has moved from announced to ACTIVE and MANDATORY: existing cardholders cannot retain the Swiggy HDFC card and will be auto-migrated to Swiggy Ornge (30 days' notice) if they do not choose BLCK. Source: official FAQ PDF published 18 Aug 2026.
Effective 28-Aug-2026 (bank-wide T&C revision, confirmed live): Dynamic Currency Conversion (DCC) markup revised to 3.5% from 1.5% (this is separate from the standard forex mark-up field, which stays 3.5%). Late payment fee for outstanding balances of Rs.50,000+ revised to Rs.1,300 (slabs below unchanged: <500 Nil,…
VERIFIED 2026-09-26 (campaign.axis.bank.in/generic/terms-and-conditions-magnus.pdf): Effective 28-Aug-2026, Dynamic Currency Conversion (DCC) markup revised to 2% from 1.5% (separate from the standard forex mark-up field, unchanged at 2%). Late payment fee for outstanding Rs.50,000+ revised to Rs.1,300. Gift card sp…
VERIFIED 2026-09-26 (campaign.axis.bank.in/generic/terms-and-conditions-select.pdf): Effective 28-Aug-2026, DCC markup revised to 3.5% from 1.5% (separate from standard forex mark-up field, unchanged at 3.5%); late payment fee for outstanding Rs.50,000+ revised to Rs.1,300; gift card spends reclassified to a dedicat…
Corrected joining fee from an outdated general MITC (Aug 2025, showed ₹1000) to NIL per the current card-specific MITC v5 (13-04-2026); annual fee ₹1000 (waived ₹3L spend) confirmed unchanged
Corrected joining fee (outdated Aug-2025 MITC showed ₹4000) to NIL, and forex markup from 3.5% to 0% per the current card-specific MITC v5 (13-04-2026), which states 0% forex/DCC fee specifically for CSK/SRH Master World variant cards; annual fee ₹4000 (waived ₹5L spend) confirmed unchanged
Corrected joining/annual fee from an outdated general MITC (Aug 2025, showed ₹500/₹500) to NIL/NIL (Lifetime Free) per the current card-specific MITC v5 (13-04-2026)
Corrected joining fee from an outdated general MITC (Aug 2025, showed ₹1000) to NIL per the current card-specific MITC v5 (13-04-2026); annual fee ₹1000 (waived ₹3L spend) confirmed unchanged
Corrected joining fee (outdated Aug-2025 MITC showed ₹4000) to NIL, and forex markup from 3.5% to 0% per the current card-specific MITC v5 (13-04-2026), which states 0% forex/DCC fee specifically for CSK/SRH Master World variant cards; annual fee ₹4000 (waived ₹5L spend) confirmed unchanged
Corrected joining/annual fee from an outdated general MITC (Aug 2025, showed ₹500/₹500) to NIL/NIL (Lifetime Free) per the current card-specific MITC v5 (13-04-2026)
Dynamic Currency Conversion markup revised from 1.5% to 3.5%, effective 28 Aug 2026 (official Axis revision-notice PDF: campaign.axis.bank.in/generic/terms-and-conditions-world-select.pdf). Also effective 28 Aug 2026: late payment fee on outstanding balances ≥₹50,000 raised to ₹1,300; gift card purchases reclassifie…
Card being phased out for NEW applicants - official page now states: "We are happy to share that we are introducing New Swiggy Ornge & BLCK HDFC Bank Credit Cards. Existing cardholders will continue to enjoy upgraded features & benefits. Bank will be reaching out to the existing Swiggy HDFC Bank credit card holders…
Bank of Maharashtra has exited the credit card business; existing cards are being deactivated per customer-specific SMS notice and replaced (subject to consent and SBI Cards approval) with a new Bank of Maharashtra-SBI co-branded credit card. No new standalone BoM cards are being issued.
Bank of Maharashtra has exited the credit card business; existing cards are being deactivated per customer-specific SMS notice and replaced (subject to consent and SBI Cards approval) with a new Bank of Maharashtra-SBI co-branded credit card. No new standalone BoM cards are being issued.
Effective 10 July 2026: joining/annual fee restructured to a flat Rs.20,000 for new-to-bank/general segment (Treasures customers: annual fee only, no joining fee); international spends now earn ZERO Vantage Points (previously 8 VP/Rs.200, i.e. 2X domestic rate); forex markup unified to 0% globally (previously 0% onl…
Lounge access now spend-gated (Rs.60,000+/quarter)
Effective 1 July 2026: SmartBuy brand vouchers (GyFTR/Woohoo via SmartBuy) now capped at 3,000 accelerated RP/calendar month, within the existing unchanged 15,000 max accelerated-RP monthly SmartBuy cap.
Spend-based milestone benefits discontinued eff. 17 July 2026
Reward caps revised from 1 July 2026; current caps are 750 RP/month non-insurance PhonePe, 250 insurance PhonePe, 750 online and 1,000 other.
Reward caps revised from 1 July 2026; current caps are 1,500 RP/month non-insurance PhonePe, 500 insurance PhonePe, 1,000 online and 2,000 other.
Features/T&Cs revised eff. 18 June 2026
Features/T&Cs revised eff. 18 June 2026
Features/T&Cs revised eff. 18 June 2026
Features/T&Cs revised eff. 18 June 2026
Features/T&Cs revised eff. 18 June 2026
Revisions to select features and T&C effective 18 June 2026.
Rewards restructured from flat % cashback to Jewels-points with tiered redemption value (₹0.14-₹0.20/Jewel). Shopping cap raised to 10,000 Jewels/cycle (was ₹2,000), Jupiter Flights rate cut from 35x to 25x Jewels and newly capped at 5,000 Jewels/cycle (was uncapped), and separate MMT/Yatra/Cleartrip 5% travel tier…
Fee reversal threshold raised to Rs.1 lakh
Rewards revised to 4 RP/Rs.200; DCC markup 1.75%
Reward rate changed to 5 RP per ₹200 (from previously higher). DCC markup introduced at 1.75%. Lounge access tied to ₹60K quarterly spend. Boarding Edge program introduced.
Milestone thresholds revised for cards issued on/after 10-May-2026: Rs.1,500 Patanjali voucher 3L->9L annual spend (Patanjali minimum 12k->1.5L); 4N/5D wellness stay 5L->12L (Patanjali minimum 15k->2.5L). Cards issued on/before 09-May-2026 keep the earlier criteria until their next anniversary year.
Milestone thresholds revised for cards issued on/after 10-May-2026: Rs.500 Patanjali voucher 2.5L->7L annual spend (Patanjali minimum 12k->1.5L); 2N/3D wellness stay 4L->10L (Patanjali minimum 15k->2.5L). Cards issued on/before 09-May-2026 keep the earlier criteria until their next anniversary year.
Effective 12-Apr-2026: 4 domestic lounge visits discontinued. Preferred partners changed from Swiggy/BigBasket/Goibibo to Zomato/Blinkit/District Movies (as partner wallet credits, not cashback). Accelerated cashback caps now tied to base cashback earned (25% Airtel cap = 2× base, 10% utility cap = 1× base).
BookMyShow offer changed from BOGO to 25% off (up to Rs.100), made spend-based (Rs.25K/quarter).
BookMyShow offer changed from BOGO to 25% off (up to Rs.100), made spend-based (Rs.25K/quarter).
Movie offer now requires Rs.25,000 prior-quarter spend
Airport Lounge Access & Golf benefit revised effective 1 April 2026.
SBM Mobikwik-RP.pdf documents two successive programs: the legacy 'SuperCash' program (valid till 31 Jan 2026) paid 10% on online ecommerce and offline POS (min Rs.500/txn, capped 10% redemption-per-transaction rule) and 5% on MobiKwik-app Scan & Pay, with SuperCash expiring 3 months after issue. It was replaced, ef…
Quarterly milestone vouchers (Rs.1,000) and yearly Taj Epicure membership discontinued. Replaced by monthly 1,000 Bonus RP on Rs.50,000+ spend per statement cycle.
Reward earn rates revised from 20/10/5 to 5/3/1 RP per Rs.100 (dining-intl-grocery / other / insurance-utility).
From Jan 15, 2026, earn rate is 1 Skywards Mile per ₹100 on eligible retail spend, with no Miles on insurance, utility, government or education payments.
Reward structure updated effective Oct 11, 2025 per Amazon T&C (specific rate changes not detailed in official text vs prior structure).
Offers on Oberoi hotels and resorts discontinued w.e.f 1 Oct 2025
Complimentary ITC Membership (Mastercard variant) discontinued for new customers from 15 Sept 2025
Complimentary Club ITC Culinaire membership (Mastercard variant) discontinued for existing cardholders effective 5 Oct 2025; not available to customers boarded on/after 15 Sep 2025
Cashback revised to flat 2% on all repaid bill slabs (was tiered)
Online skill-based gaming transactions stop earning Reward Points.
Online skill-based gaming transactions stop earning Reward Points.
Insurance RP cap increased to 10,000/month (from 5000/day).
Official change notice (indusind.bank.in Changes-to-Your-EazyDiner-Signature-CreditCard.pdf, effective 15 July 2025): Reward Point value cut from Rs.0.20 to Rs.0.10/point; Hotel/Travel category rate raised from 4 to 10 RP/Rs.100 (now matches shopping/entertainment); Dining spends stopped earning any Reward Points; d…
Air Accident Insurance discontinued w.e.f. 15 July 2025
No MR points on fuel eff. 12 June 2025
Effective 20-Jun-2025: Additional exclusions from EDGE Miles earning - Gold/Jewellery, Rent, Insurance, Wallet, Government, Utilities, Fuel. Points forfeited 30 days post card closure or if overdue >90 days (effective Oct 2025).
Effective 20-Jun-2025: T&C updated. Points forfeited 30 days post card closure or if overdue >90 days (effective Oct 2025). Earning structure reconfirmed: 12 EDGE/₹200 up to ₹1.5L/month, 35 EDGE/₹200 above ₹1.5L.
Cash-value redemption cut from Rs.0.25 to Rs.0.20 per reward point, w.e.f. 01st June 2025 (product page note). Catalogue redemption (mobile recharge, shopping etc.) unchanged at Rs.0.25/point.
Utility RP capped at Rs.35,000/cycle; fuel/insurance/rent/education/govt/wallet/gaming spends excluded from RP
MITC 'Cashback redemption value on select products' table: NRI Royale Signature cashback redemption value cut from Rs.1/point to 70 paise/point, effective 1st June 2025 ('will supersede the earlier terms on accrual and redemption'). The official marketing product page (Features/Reward Redemption tabs) has NOT been u…
Air India RP reduced from 15 to 5 RP/Rs.100
Air India RP reduced from 30 to 10 RP/Rs.100
Lounge access feature discontinued
Priority Pass usage within India now chargeable at $35+taxes per visit.
Cashback redemption revised from Rs.0.25 to Rs.0.10 per point
Cash redemption value revised from Rs.0.10 to Rs.0.07 per point
Zen Point cash redemption revised from Rs.0.25 to Rs.0.20
Non-cash redemption value changed to 1 RP = Rs.0.60
Domestic lounge access changed to spend-based (Rs.75K/quarter). Category-wise reward point caps introduced. Fuel surcharge restricted to HPCL only.
Domestic lounge access changed to spend-based (Rs.75K/quarter). Category-wise reward point caps introduced (utility/insurance Rs.80K, grocery Rs.40K, transport Rs.20K per statement).
DISCONTINUED FOR NEW APPLICANTS. RE-VERIFIED 2026-11-08: sbicard.com product page now carries an explicit banner 'Air India SBI Platinum Credit Cards has been discontinued'. VERIFIED 2026-08-10 by live-browsing sbicard.com/en/personal/credit-cards/air-india-sbi-platinum-card.html: page renders full benefit/fee conte…
DISCONTINUED FOR NEW APPLICANTS. VERIFIED 2026-08-10 by live-browsing sbicard.com/en/personal/credit-cards/air-india-sbi-signature-card.html: page renders full benefit/fee content but has no Apply Now button of its own; the only Apply Now / APPLY NOW links on the page route to other cards (SBI Card ELITE, Miles Elit…
Expanded zero-earning exclusion categories: Cash, Quasi Cash, Education, Contracted Services, Miscellaneous & Bills2Pay.
Expanded zero-earning exclusion categories: Cash, Quasi Cash, Education, Contracted Services, Miscellaneous & Bills2Pay.
w.e.f. 15.10.2024: Quasi-Cash, Education, Government Services, Contracted Services, Cash & Bills2Pay added to no-reward MCCs; excluded categories also stopped counting toward the 1,000 RP monthly milestone bonus and the annual-fee-waiver qualifying spend
Expanded zero-earning exclusion categories: Quasi-Cash, Education, Govt Services, Contracted Services, Cash, Bills2Pay. Fee waiver spend calculation also excludes these + EMI conversions.
Education payments via third-party apps stop earning Reward Points.
Education payments via third-party apps stop earning Reward Points.
Wallet loading (MCC 6540) and all EMI transactions stop earning CashPoints.
Education payments via third-party apps stop earning CashPoints.
Cash redemption capped at 2500 RP/month
Cash redemption capped at 2,500 RP/month
Cash redemption capped at 2500 RP/month
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
PNB reduced reward point value to Rs.0.25 per point bank-wide w.e.f. 01/09/2024.
1% fuel surcharge waiver discontinued; replaced with 5% cashback on fuel spends capped at INR 200/month
UPI spends changed to 0.50% NeuCoins (RuPay variant) + additional 1% on Tata Neu UPI ID.
Base cashback on 'other spends' reportedly changed from 1.5% to 1%. Official T&C and FAQ now confirm 1% on all other eligible merchants.
Welcome EDGE Miles reduced from 5,000 to 2,500 for cards sourced from 20-Apr-2024 onwards. Insurance, Gold/Jewellery, Fuel excluded from rewards.
Effective 20-Apr-2024: Insurance, Gold/Jewellery, Fuel excluded from rewards & fee waiver. BookMyShow BOGO, 24/7 concierge, 8 meet & assist services discontinued. Domestic lounge: conditional on ₹50K spend in previous 3 months (from May 2024). Guest visits reduced from 8 to 4/year. Miles transfer cap: 1L points to G…
Renewal benefit discontinued w.e.f 20 Apr 2024; complimentary luxury airport transfers discontinued w.e.f 20 Apr 2024
Online earn rate reduced from 4 RP/Rs.100 to 2 RP/Rs.100 (older marketing pages still show 4; current official FAQ states 2, with pre-15-Apr-2024 rewards unaffected)
Redemption revised: non-cash Rs.0.60, cash Rs.0.40
Redemption revised: non-cash Rs.0.60, cash Rs.0.40
Complimentary domestic lounge access discontinued (lounge only via quarterly milestone).
Domestic Centurion Lounge access discontinued
Effective 1-Sep-2023: Fees increased from ₹10,000 to ₹12,500. Miles transfer ratio changed from 5:4 to 5:2 (5 EDGE = 2 Partner Miles). Monthly milestone benefit (25,000 EDGE on ₹1L spend) discontinued. Tata CLiQ voucher discontinued. Fee waiver threshold: ₹25L (previously ₹15L for existing cardholders, transitioning…
Club Vistara Silver Tier membership discontinued (replaced by ITC Silver Tier). Trident Red Tier membership discontinued.
Rent and govt transactions stop earning Reward Points. Grocery cap of 2000 RP/month introduced.
Rent and govt transactions stop earning Reward Points. Grocery cap of 2000 RP/month introduced.
Rent and Government related transactions stop earning CashPoints.
Rent and govt transactions stop earning Reward Points. Grocery cap of 2000 RP/month introduced.
MR points changed to never expire (positive change)
Joining/annual fee increased from ₹10,000 to ₹12,500. Fee waiver threshold increased from ₹8L to ₹10L (for cards sourced after Oct 18, 2021).
MR points no longer earned on EMI at POS/merchant website
MR points no longer earned on EMI at POS/merchant website
Fuel stopped accruing reward points
Dates are the month the change was published by the issuer or first seen during verification, not necessarily the day it takes effect — the linked card page notes effective dates where the issuer states them. Cards not listed here had no recorded change at their last verification.