What changed in credit cards: October 2026

2 changes to Indian credit cards took effect in October 2026, including 2 devaluations. Here's what changed and which cards are affected.

DevaluationAmerican Express

Amex MRCC: 50% renewal fee waiver at ₹90,000 spend ends

The partial (50%) renewal fee waiver for spending ₹90,000 in a year has been discontinued. The full waiver still needs ₹1.5 lakh of yearly spend.

DevaluationHigh impactAmerican Express

Amex Platinum Travel: lounge visits now need ₹1 lakh quarterly spend

Complimentary domestic lounge visits now require ₹1 lakh of spend in the previous calendar quarter (₹70,000 for the first quarter of the change). The yearly allowance stays at up to 8 visits.

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