{"publisher":"CardMasters","catalogueRelease":"2026-08-25","scope":"Only entries with an exact effective date explicitly stated in issuer evidence. Undated and month-only current restrictions are excluded; future events are marked announced.","license":"Free to use with attribution and a link to https://www.cardmasters.in/credit-card-changes","count":35,"affectedCards":28,"changes":[{"cardId":"axis-airtel","cardName":"Airtel Axis Bank","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-airtel","effectiveOn":"2026-08-28","status":"announced","type":"terms","summary":"From 28 Aug 2026, Axis says the DCC markup rises from 1.5% to 3.5%, gift cards remain excluded, and bridge, road and toll spends become excluded.","evidence":{"checkedOn":"2026-07-30","issuerSourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-cashback-for-airtel-axis-bank-credit-card.pdf"}},{"cardId":"hdfc-infinia-metal","cardName":"Infinia Metal","issuer":"HDFC Bank","cardUrl":"https://www.cardmasters.in/card/hdfc-infinia-metal","effectiveOn":"2026-07-01","status":"effective","type":"rewards","summary":"From 1 Jul 2026, accelerated rewards on SmartBuy brand vouchers through GyFTR/Woohoo are capped at 3,000 RP/month within the overall 15,000 accelerated-RP monthly cap.","evidence":{"checkedOn":"2026-07-30","issuerSourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/infinia-credit-card/rewards-points-program-terms-and-conditions.pdf"}},{"cardId":"hdfc-regalia-gold","cardName":"Regalia Gold","issuer":"HDFC Bank","cardUrl":"https://www.cardmasters.in/card/hdfc-regalia-gold","effectiveOn":"2026-07-01","status":"effective","type":"lounge","summary":"domestic lounge now spend-gated — 3 visits/quarter need ₹60,000 spend in the previous quarter.","evidence":{"checkedOn":"2026-07-26","issuerSourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/regalia-gold-credit-card/pdfs/regalia-gold-credit-card-reward-points-t-and-cs.pdf"}},{"cardId":"idfc-first-select","cardName":"FIRST Select","issuer":"IDFC FIRST Bank","cardUrl":"https://www.cardmasters.in/card/idfc-first-select","effectiveOn":"2026-06-19","status":"effective","type":"terms","summary":"From 19 June 2026, 10X is category-based on eligible dining, travel, international and birthday purchases; the old incremental-spend-above-₹20,000 route no longer applies.","evidence":{"checkedOn":"2026-08-01","issuerSourceUrl":"https://www.idfcfirst.bank.in/credit-card/select"}},{"cardId":"idfc-first-classic","cardName":"FIRST Classic Credit Card","issuer":"IDFC FIRST Bank","cardUrl":"https://www.cardmasters.in/card/idfc-first-classic","effectiveOn":"2026-06-18","status":"effective","type":"rewards","summary":"Effective 18 June 2026 the reward programme changed: 10X now applies from the first eligible dining, travel or international transaction, and the earlier ₹20,000 billing-cycle threshold no longer applies. Pages still showing the old structure are stale.","evidence":{"checkedOn":"2026-08-19","issuerSourceUrl":"https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Classic-Credit-Card-Communication-May-26.pdf"}},{"cardId":"idfc-first-millennia","cardName":"FIRST Millennia Credit Card","issuer":"IDFC FIRST Bank","cardUrl":"https://www.cardmasters.in/card/idfc-first-millennia","effectiveOn":"2026-06-18","status":"effective","type":"rewards","summary":"Effective 18 June 2026 the reward programme changed: 10X now applies from the first eligible dining, travel or international transaction, and the earlier ₹20,000 billing-cycle threshold no longer applies. Pages still showing the old structure are stale.","evidence":{"checkedOn":"2026-08-19","issuerSourceUrl":"https://www.idfcfirst.bank.in/credit-card/millennia"}},{"cardId":"idfc-first-millennia","cardName":"FIRST Millennia Credit Card","issuer":"IDFC FIRST Bank","cardUrl":"https://www.cardmasters.in/card/idfc-first-millennia","effectiveOn":"2026-06-18","status":"effective","type":"terms","summary":"The product page still shows the retired \"10X on incremental spends above ₹20,000\" wording alongside the current category-based structure. CardMasters models the current structure, per IDFC's 18 June 2026 communication.","evidence":{"checkedOn":"2026-08-19","issuerSourceUrl":"https://www.idfcfirst.bank.in/credit-card/millennia"}},{"cardId":"idfc-first-wealth","cardName":"FIRST Wealth","issuer":"IDFC FIRST Bank","cardUrl":"https://www.cardmasters.in/card/idfc-first-wealth","effectiveOn":"2026-06-18","status":"effective","type":"terms","summary":"Effective 18 June 2026: base unit changed to ₹200, 10X moved to dining/travel/international from first eligible transaction, and points earned from the July 2026 statement cycle expire after 24 months","evidence":{"checkedOn":"2026-08-01","issuerSourceUrl":"https://www.idfcfirst.bank.in/credit-card/wealth"}},{"cardId":"yes-marquee","cardName":"Marquee","issuer":"Yes Bank","cardUrl":"https://www.cardmasters.in/card/yes-marquee","effectiveOn":"2026-06-15","status":"effective","type":"fee-or-surcharge","summary":"A ₹100 plus GST fee applies to each reward redemption request from 15 June 2026.","evidence":{"checkedOn":"2026-08-01","issuerSourceUrl":"https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card"}},{"cardId":"jupiter-edge-plus-csb","cardName":"Edge+ CSB Bank RuPay Credit Card","issuer":"CSB Bank (via Jupiter)","cardUrl":"https://www.cardmasters.in/card/jupiter-edge-plus-csb","effectiveOn":"2026-06-01","status":"effective","type":"rewards","summary":"updated category rewards and redemption values apply; 10,000 Jewels redeem for ₹1,400 toward statement credit, bills or cash-equivalent options and ₹2,000 toward store, vouchers or digital gold","evidence":{"checkedOn":"2026-08-04","issuerSourceUrl":"https://jupiter.money/edge-csb-terms-conditions/"}},{"cardId":"hdfc-regalia-gold","cardName":"Regalia Gold","issuer":"HDFC Bank","cardUrl":"https://www.cardmasters.in/card/hdfc-regalia-gold","effectiveOn":"2026-05-15","status":"effective","type":"rewards","summary":"base earn cut from 4 RP/₹150 to 5 RP/₹200 (~6% lower reward rate).","evidence":{"checkedOn":"2026-07-26","issuerSourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/regalia-gold-credit-card/pdfs/regalia-gold-credit-card-reward-points-t-and-cs.pdf"}},{"cardId":"sbi-bpcl","cardName":"BPCL SBI Card","issuer":"SBI Card","cardUrl":"https://www.cardmasters.in/card/sbi-bpcl","effectiveOn":"2026-05-01","status":"effective","type":"fee-or-surcharge","summary":"annual-fee reversal threshold increased from ₹50,000 to ₹1,00,000 of annual spend.","evidence":{"checkedOn":"2026-08-08","issuerSourceUrl":"https://www.sbicard.com/en/personal/credit-cards/bpcl-sbi-card.html"}},{"cardId":"axis-airtel","cardName":"Airtel Axis Bank","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-airtel","effectiveOn":"2026-04-12","status":"effective","type":"rewards","summary":"Airtel and utility cashback caps are dynamic from 12 Apr 2026. With no eligible base spend in a statement month, those two categories earn no cashback.","evidence":{"checkedOn":"2026-07-30","issuerSourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-cashback-for-airtel-axis-bank-credit-card.pdf"}},{"cardId":"axis-airtel","cardName":"Airtel Axis Bank","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-airtel","effectiveOn":"2026-04-12","status":"effective","type":"lounge","summary":"4 complimentary domestic lounge visits removed entirely.","evidence":{"checkedOn":"2026-07-30","issuerSourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-cashback-for-airtel-axis-bank-credit-card.pdf"}},{"cardId":"axis-atlas","cardName":"Atlas","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-atlas","effectiveOn":"2026-04-02","status":"effective","type":"terms","summary":"selected transfer partners cut from 1:2 to 2:1; transfer-partner list revised","evidence":{"checkedOn":"2026-07-16","issuerSourceUrl":"https://traveledge.axis.bank.in/travel/common/termsandcondition"}},{"cardId":"axis-my-zone","cardName":"My Zone","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-my-zone","effectiveOn":"2026-04-01","status":"effective","type":"terms","summary":"SonyLIV renewal on ₹1.5 lakh annual spend was discontinued and replaced by a 1,000-point annual-spend milestone.","evidence":{"checkedOn":"2026-08-23","issuerSourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-myzone-credit-card.pdf?sfvrsn=6b8ed8a4_1"}},{"cardId":"sbi-cashback","cardName":"Cashback SBI Card","issuer":"SBI Card","cardUrl":"https://www.cardmasters.in/card/sbi-cashback","effectiveOn":"2026-04-01","status":"effective","type":"rewards","summary":"From 1 April 2026, online cashback is capped at ₹2,000 and offline cashback at ₹2,000 per statement cycle, with a ₹4,000 aggregate ceiling.","evidence":{"checkedOn":"2026-07-28","issuerSourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/cashback-revised.pdf"}},{"cardId":"sbi-simplyclick","cardName":"SimplyCLICK SBI Card","issuer":"SBI Card","cardUrl":"https://www.cardmasters.in/card/sbi-simplyclick","effectiveOn":"2026-04-01","status":"effective","type":"rewards","summary":"From 1 April 2026, statement-credit redemption uses fixed 4,000-point blocks and is capped at 60,000 points per card per calendar month; CardMasters conservatively values points at ₹0.25 through the rewards catalogue instead.","evidence":{"checkedOn":"2026-07-28","issuerSourceUrl":"https://www.sbicard.com/en/faq/reward-points-redemption.page"}},{"cardId":"paytm-sbi","cardName":"Paytm SBI Card","issuer":"SBI Card","cardUrl":"https://www.cardmasters.in/card/paytm-sbi","effectiveOn":"2026-03-09","status":"effective","type":"rewards","summary":"Education and school payments stopped earning Reward Points from 9 March 2026.","evidence":{"checkedOn":"2026-07-30","issuerSourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/PaytmBase-TnC.pdf"}},{"cardId":"icici-amazon-pay","cardName":"Amazon Pay ICICI","issuer":"ICICI Bank","cardUrl":"https://www.cardmasters.in/card/icici-amazon-pay","effectiveOn":"2026-01-15","status":"effective","type":"fee-or-surcharge","summary":"1% fee introduced on wallet-load transactions of ₹5,000 or more","evidence":{"checkedOn":"2026-07-16","issuerSourceUrl":"https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/mitc-cc-gk-t.pdf"}},{"cardId":"sbi-elite","cardName":"SBI Card ELITE","issuer":"SBI Card","cardUrl":"https://www.cardmasters.in/card/sbi-elite","effectiveOn":"2025-07-15","status":"effective","type":"terms","summary":"₹1 crore air-accident insurance was discontinued from 15 July 2025; the ₹1 lakh fraud-liability cover remains.","evidence":{"checkedOn":"2026-07-30","issuerSourceUrl":"https://www.sbicard.com/en/personal/credit-cards/sbi-card-elite.html"}},{"cardId":"sbi-miles-elite","cardName":"SBI Card MILES ELITE","issuer":"SBI Card","cardUrl":"https://www.cardmasters.in/card/sbi-miles-elite","effectiveOn":"2025-07-15","status":"effective","type":"terms","summary":"Complimentary ₹1 crore air-accident insurance was discontinued on 15 July 2025.","evidence":{"checkedOn":"2026-08-01","issuerSourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-elite-tnc.pdf"}},{"cardId":"axis-neo","cardName":"Neo","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-neo","effectiveOn":"2025-07-01","status":"effective","type":"terms","summary":"From 1 July 2025, Zomato provides flat ₹120 off at ₹499 minimum order value, twice monthly; RuPay UPI-linked Neo payments are excluded.","evidence":{"checkedOn":"2026-08-01","issuerSourceUrl":"https://www.axis.bank.in/cards/credit-card/axis-bank-neo-credit-card"}},{"cardId":"axis-rewards","cardName":"Rewards","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-rewards","effectiveOn":"2025-07-01","status":"effective","type":"terms","summary":"the Swiggy offer changed to a flat ₹150 instant discount on eligible ₹500+ orders, twice per calendar month.","evidence":{"checkedOn":"2026-08-23","issuerSourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-axis-bank-rewards-credit-card.pdf?sfvrsn=611bdbc3_5"}},{"cardId":"hdfc-millennia","cardName":"Millennia","issuer":"HDFC Bank","cardUrl":"https://www.cardmasters.in/card/hdfc-millennia","effectiveOn":"2025-07-01","status":"effective","type":"fee-or-surcharge","summary":"1% fee on rent, utility >₹50k/mo and gaming/wallet-loads >₹10k/mo (cap ₹4,999/mo); no reward points on gaming/wallet-load spends.","evidence":{"checkedOn":"2026-07-16","issuerSourceUrl":"https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/millennia-credit-card/Terms-and-Conditions-Millennia-Credit-Card.pdf"}},{"cardId":"hdfc-pixel-play","cardName":"PIXEL Play","issuer":"HDFC Bank","cardUrl":"https://www.cardmasters.in/card/hdfc-pixel-play","effectiveOn":"2025-07-01","status":"effective","type":"fee-or-surcharge","summary":"1% fee on rent, utility above ₹50,000 and gaming/wallet loads above ₹10,000, subject to issuer caps; gaming and wallet-load spends earn no CashPoints.","evidence":{"checkedOn":"2026-08-01","issuerSourceUrl":"https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card"}},{"cardId":"axis-cashback","cardName":"Cashback","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-cashback","effectiveOn":"2025-06-20","status":"effective","type":"rewards","summary":"cashback exclusions moved from individual MCC identification to spend-category identification; the excluded categories did not change.","evidence":{"checkedOn":"2026-08-23","issuerSourceUrl":"https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/cashback-av-tnc.pdf"}},{"cardId":"axis-flipkart","cardName":"Flipkart Axis Bank","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-flipkart","effectiveOn":"2025-06-20","status":"effective","type":"rewards","summary":"5% cashback on Flipkart and on Cleartrip each capped at ₹4,000/statement quarter (was uncapped).","evidence":{"checkedOn":"2026-07-28","issuerSourceUrl":"https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card"}},{"cardId":"axis-flipkart","cardName":"Flipkart Axis Bank","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-flipkart","effectiveOn":"2025-06-20","status":"effective","type":"lounge","summary":"4 complimentary domestic lounge visits discontinued entirely.","evidence":{"checkedOn":"2026-07-28","issuerSourceUrl":"https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card"}},{"cardId":"amex-gold-charge","cardName":"Gold Charge Card","issuer":"American Express","cardUrl":"https://www.cardmasters.in/card/amex-gold-charge","effectiveOn":"2025-06-12","status":"effective","type":"rewards","summary":"No Membership Rewards points on fuel from 12 June 2025, insurance or cash withdrawals","evidence":{"checkedOn":"2026-07-23","issuerSourceUrl":"https://www.americanexpress.com/in/charge-cards/gold-card/"}},{"cardId":"sbi-simplyclick","cardName":"SimplyCLICK SBI Card","issuer":"SBI Card","cardUrl":"https://www.cardmasters.in/card/sbi-simplyclick","effectiveOn":"2025-04-01","status":"effective","type":"terms","summary":"SBI's current product page still includes Swiggy in its 10X list, but its dated customer notice reduced Swiggy to 5X from 1 April 2025; CardMasters applies the dated revision.","evidence":{"checkedOn":"2026-07-28","issuerSourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/credit-cards/value-savings/simplyclick/simplyclick-sbi-card-rp-tnc.pdf"}},{"cardId":"sc-easemytrip","cardName":"EaseMyTrip","issuer":"Standard Chartered","cardUrl":"https://www.cardmasters.in/card/sc-easemytrip","effectiveOn":"2024-10-15","status":"effective","type":"lounge","summary":"From 15 October 2024, complimentary international lounge access (within and outside India) was discontinued; domestic access is 2 visits per calendar year.","evidence":{"checkedOn":"2026-08-04","issuerSourceUrl":"https://www.sc.bank.in/credit-cards/easemytrip-credit-card/"}},{"cardId":"paytm-sbi","cardName":"Paytm SBI Card","issuer":"SBI Card","cardUrl":"https://www.cardmasters.in/card/paytm-sbi","effectiveOn":"2024-07-01","status":"effective","type":"rewards","summary":"Since 1 July 2024, cashback has been replaced by equivalent-value Reward Points at ₹1 per Reward Point.","evidence":{"checkedOn":"2026-07-30","issuerSourceUrl":"https://www.sbicard.com/sbi-card-en/assets/docs/pdf/PaytmBase-TnC.pdf"}},{"cardId":"axis-privilege","cardName":"Privilege","issuer":"Axis Bank","cardUrl":"https://www.cardmasters.in/card/axis-privilege","effectiveOn":"2024-04-20","status":"effective","type":"fee-or-surcharge","summary":"gold and jewellery added to points exclusions; government, utilities, gold and jewellery, rent, wallet, insurance, fuel and education excluded from milestone and fee-waiver calculations","evidence":{"checkedOn":"2026-07-23","issuerSourceUrl":"https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-privilege-credit-card.pdf"}},{"cardId":"hdfc-freedom","cardName":"Freedom","issuer":"HDFC Bank","cardUrl":"https://www.cardmasters.in/card/hdfc-freedom","effectiveOn":"2024-02-01","status":"effective","type":"terms","summary":"The old 0.99% introductory interest feature is not available on cards sourced from 1 February 2024 onward.","evidence":{"checkedOn":"2026-08-01","issuerSourceUrl":"https://www.hdfc.bank.in/credit-cards/freedom-credit-card"}}]}