https://ccguru.in/credit-card-changes/ Credit card benefit changes and devaluations in India en-in https://ccguru.in/credit-card-changes/2026-10/#2026-10-amex-mrcc-renewal-waiver2026-10-amex-mrcc-renewal-waiverSun, 11 Oct 2026 03:30:00 GMTThe 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. https://ccguru.in/credit-card-changes/2026-10/#2026-10-amex-plat-travel-lounge2026-10-amex-plat-travel-loungeThu, 01 Oct 2026 03:30:00 GMTComplimentary 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. https://ccguru.in/credit-card-changes/2026-09/#2026-09-axis-edge-transfer-groups2026-09-axis-edge-transfer-groupsWed, 23 Sep 2026 03:30:00 GMTAir India, Flying Blue and Qantas were moved to a partner group with a much lower annual transfer cap, reducing how many miles you can move to them each year. https://ccguru.in/credit-card-changes/2026-09/#2026-09-amex-plat-travel-milestones2026-09-amex-plat-travel-milestonesThu, 10 Sep 2026 03:30:00 GMTThe 7,500 bonus points at ₹1.9 lakh yearly spend were removed, and the ₹7 lakh milestone now gives a ₹20,000 Taj Experiences e-gift card instead of 22,500 points. The ₹4 lakh milestone (10,000 points) stays. https://ccguru.in/credit-card-changes/2026-07/#2026-07-hdfc-regalia-gold-lounge2026-07-hdfc-regalia-gold-loungeWed, 01 Jul 2026 03:30:00 GMTComplimentary domestic lounge access now depends on spend in the previous quarter (reported as ₹60,000). https://ccguru.in/credit-card-changes/2026-05/#2026-05-hdfc-regalia-gold-earn2026-05-hdfc-regalia-gold-earnFri, 15 May 2026 03:30:00 GMTThe base earn rate moved from 4 reward points per ₹150 to 5 reward points per ₹200, a small cut in value-back on everyday spends. https://ccguru.in/credit-card-changes/2026-04/#2026-04-swiggy-hdfc-min-order2026-04-swiggy-hdfc-min-orderTue, 21 Apr 2026 03:30:00 GMTSwiggy transactions must be ₹249 or more to earn 10% cashback. The 5% and 1% categories are unchanged, and HDFC says the card isn't otherwise being devalued. https://ccguru.in/credit-card-changes/2026-04/#2026-04-airtel-axis2026-04-airtel-axisSun, 12 Apr 2026 03:30:00 GMTComplimentary lounge access was removed. The 10% cashback on Swiggy and BigBasket was replaced by capped partner-wallet credits on Zomato, Blinkit and District, and bill-payment caps now scale with your other spends. https://ccguru.in/credit-card-changes/2026-04/#2026-04-axis-edge-partners2026-04-axis-edge-partnersThu, 02 Apr 2026 03:30:00 GMTSeveral popular transfer partners were removed, and new partners were added at a weaker 2:1 ratio (reported). https://ccguru.in/credit-card-changes/2026-04/#2026-04-sbi-cashback-caps2026-04-sbi-cashback-capsWed, 01 Apr 2026 03:30:00 GMTThe monthly cashback cap was cut, with a lower sub-cap on 5% online spends (reported as ₹2,000 per statement; trackers report slightly different figures). Check SBI Card's latest terms. https://ccguru.in/credit-card-changes/2026-02/#2026-02-hdfc-infinia-redemptions2026-02-hdfc-infinia-redemptionsSun, 01 Feb 2026 03:30:00 GMTReward point redemptions are capped at 5 transactions per month across all partners (reported). https://ccguru.in/credit-card-changes/2026-02/#2026-02-scapia-lounge2026-02-scapia-loungeSun, 01 Feb 2026 03:30:00 GMTUnlimited domestic lounge access now needs ₹20,000 of spend in the month, up from ₹10,000. https://ccguru.in/credit-card-changes/2026-01/#2026-01-hdfc-turkish-ratio2026-01-hdfc-turkish-ratioThu, 01 Jan 2026 03:30:00 GMTPoints now transfer to Turkish Airlines Miles&Smiles at 2:1 instead of 1:1. https://ccguru.in/credit-card-changes/2026-01/#2026-01-supermoney-cashback2026-01-supermoney-cashbackThu, 01 Jan 2026 03:30:00 GMTThe ₹500 cashback cap was removed and other spends earn unlimited 1%. But 3% cashback on super.money UPI is now capped at whatever you earn from 1% spends in the same cycle (minimum ₹100), and transactions under ₹100 earn nothing.