What changed on India's credit cards.

Welcome bonus corrected from 5,000 to 4,000 Membership Rewards Points per the official product page; product page URL moved from /en-in/ to /in/

Lower first-year value in the ranking; no change to fees or earn rate. Applications remain paused.

Welcome gift updated from ₹45,000 to up to ₹60,000 (Taj / Luxe / Postcard Hotels choice) with a ₹50,000 net spend in 2 months condition; 3X points on international spend and up to 20X Reward Multiplier recorded; applications marked paused

Higher first-year value in the ranking; international spend now earns 3X. Card cannot currently be applied for.

Milestone structure changed: 10,000 points at ₹4 lakh and a ₹20,000 Taj Experiences e-gift card at ₹7 lakh (previously 15,000 points at ₹1.9 lakh and 25,000 points plus ₹10,000 Taj voucher at ₹4 lakh); domestic lounge visits now need ₹70,000 quarterly spend (₹1 lakh from Q4 2026). Fee ₹5,000 + taxes, 10,000-point welcome on ₹15,000 in 90 days, 1 point per ₹50 and paused applications re-verified; URL moved to /in/.

Milestone value at ₹4 lakh falls sharply; the big reward now sits at ₹7 lakh

Fees recorded as lifetime free (joining ₹0, annual ₹0) per AU KFS v1.8; purchase APR corrected from 3.49% to 3.75% per month; late-payment charge aligned to 15% of TAD (min ₹10, max ₹1,300)

Card now scores as genuinely free rather than fee-unknown; no reward changes. Product page 403 to automated fetch, rewards not re-verified.

International lounge guest visits corrected from 8 to 4 per year (Axis revised this w.e.f. 20 Apr 2024; product page confirms). Fee ₹12,500 + taxes, ₹25L waiver, 2% forex, 12/35 EDGE points per ₹200 tiers, 5X Travel EDGE and ₹12,500 welcome voucher all re-verified.

Slightly lower lounge value for travellers with companions; ranking inputs otherwise unchanged

Base effective rate re-based from 6.0% to 1.2% (12 EDGE points per ₹200 at ₹0.20 per point, matching the Magnus file; the 35-point tier above ₹1.5L a month and the 5:4 partner-mile conversion recorded); forex markup 2% recorded (was missing); Priority Pass guest visits 4 per year. Fee ₹30,000 + taxes waived at ₹30L re-verified on the Magnus page.

Excluded from public rankings as a Burgundy card; internal score now consistent with Magnus

TRV non-maintenance fee corrected from ₹50,000 to ₹1,00,000 per the product page; complimentary for Burgundy Private clients maintaining ₹5 crore TRV. 15 EDGE points per ₹200, zero forex markup, unlimited lounges with 12 guest visits re-verified.

No change for qualifying Burgundy Private clients; the fallback fee shown to non-qualifying holders doubles

Welcome benefit corrected from 5,000 to 12,500 EDGE REWARD Points (worth ₹2,500) per the product page; product page currently shows joining and annual fee as NIL under a limited period offer (standard ₹1,500 schedule retained)

Higher first-year value; standard fee unchanged in the ranking because the NIL fee is a limited-period offer

2X EDGE points on retail shopping (up to ₹20,000 a month) recorded; the ₹10,000 Travel EDGE milestone at ₹5L is no longer on the page and was removed; international lounge access recorded as up to 12 Priority Pass visits a year; fee shown as ₹3,000 + GST or NIL for Burgundy. 10 EDGE points per ₹200 base, 10,000-point welcome, ₹8L waiver, 5,000-point milestone at ₹3L and 2 domestic lounge visits a quarter on ₹50,000 re-verified.

Retail-heavy spenders score a little higher; the ₹5L milestone value is gone

Joining/first-year fee now ₹0 w.e.f. 1 Sep 2026 (limited period offer; the lifetime-free-till-Mar-2026 promo lapsed); welcome FITPASS PRO membership now worth ₹48,000 on ₹10,000 in 30 days (cards from 1 Aug 2026); 5X caps recorded at 5,000 RP per cycle. Annual ₹2,499 waived at ₹2.5L, 15 RP per ₹100 on dining/travel/international/online, 3 RP base at ₹0.25, 2% forex, unlimited domestic lounges and the 10,000/20,000-point milestones re-verified.

First-year cost drops to zero; welcome value up

Joining/first-year fee now ₹0 w.e.f. 1 Sep 2026 (limited period offer on the product page); welcome benefit is 500 bonus points on ₹5,000 in 60 days (was joining-fee reversal on ₹10,000); 5X categories capped at 2,000 RP per cycle recorded. Annual fee ₹1,000 and ₹1.2L waiver unchanged.

First-year cost drops to zero in the ranking; welcome value is now 500 points (₹125) rather than a fee reversal

Base earn corrected from 8 points per ₹200 (1.0%) to 2 points per ₹100 at ₹0.25 each (0.5%) per the product page; forex markup 3.5% to up to 3%; revolving interest 2.1% to 2.5% p.m. (30% APR); card replacement ₹300; ₹300 inactivity fee below ₹1 lakh annual turnover recorded. Lifetime free, 2 domestic lounge visits per quarter and 2 international per year re-verified.

Effective reward rate halves, so the card ranks lower on rewards; forex cost slightly lower

Reward rate corrected to 2 RP per ₹100 at ₹0.20 per point (0.4%; the file had 1.0%), 0.7 RP per ₹100 on insurance/rent/utility/government, nothing on fuel; the weekend-dining 4X entry is not on the product page and was removed; milestone corrected to 2,000 RP on ₹30,000 every 90 days (was ₹40,000), dining spends excluded; welcome is 500 EazyPoints. Lifetime free re-verified; product URL updated to the Platinum-specific page.

Card scores at less than half its previous reward rate

Joining and annual fee now ₹2,999 + GST (was ₹0 joining / ₹1,999 annual); welcome package is 12 months EazyDiner Prime + 2,000 EazyPoints + ₹7,500 Postcard Hotel voucher; earn structure is 10 RP per ₹100 on hotel, travel, shopping and entertainment and 4 RP per ₹100 elsewhere at ₹0.10 per point (file had valued RP at ₹0.25); the 90-day milestone ladder is no longer on the product page and was removed.

First-year cost rises to ₹3,539; reward rate falls to 0.4%-1.0%; welcome value rises to about ₹13,000 for diners

Welcome Flipkart voucher cut from ₹500 to ₹250 (paid cards only) with a Swiggy 50%-off welcome offer for all cards; caps recorded as ₹4,000 per statement quarter per merchant for Myntra, Flipkart and Cleartrip (the file had a combined cap); joining fee currently NIL as a limited period offer. Annual ₹500 + GST from year two, ₹3.5L waiver, unlimited 4% on preferred merchants, 1% base, no lounge access re-verified.

Welcome value halves; the per-merchant caps raise the ceiling for heavy Flipkart plus Myntra spenders

Membership package (Club Marriott, Times Prime, Amazon Prime, Swiggy One, MMT BLACK) is now an ₹8 lakh anniversary-year benefit rather than a first-90-day welcome; monthly milestone is 2 x ₹500 vouchers at ₹80,000 (file had one); not accepting new applications re-confirmed. Fee ₹10,000 + taxes, ₹5L waiver, 5 RP per ₹150, up to 10X SmartBuy, 2X weekend dining and unlimited lounges re-verified.

First-year welcome value moves behind an ₹8 lakh spend gate

SmartBuy accelerator split per the product page: hotels 10X, flights 5X (was a single 10X travel entry); the ₹500 monthly voucher at ₹80,000 is no longer listed and was removed; the Swiggy/Zomato 5X entry was dropped as it is not on the product page. Fee ₹10,000 + taxes, ₹8L renewal waiver, 10,000-point quarterly milestone at ₹4L, unlimited lounges, 6 golf games a quarter, 2X weekend dining and the Club Marriott + Swiggy One + Amazon Prime welcome re-verified.

SmartBuy flight bookings now score at 5X rather than 10X; monthly voucher value removed from the milestone estimate

Monthly ₹1,000 voucher milestone at ₹1 lakh is not on the product page and was removed; availability recorded as by-invite-only; Club Marriott first-year membership and ITC 3-for-2 stays recorded as welcome extras; redemption caps recorded. Fee ₹12,500 + taxes, ₹10L waiver, 12,500-point welcome and renewal benefit, 5 RP per ₹150 including insurance/utilities/education, up to 10X SmartBuy and unlimited domestic/international lounges re-verified.

Milestone value removed from the score; otherwise unchanged

Removed the 2.5% other-online tier (the product page lists only 5% on partner brands and 1% on other spends); domestic lounge access corrected from 8 free visits a year to a quarterly milestone choice (one lounge voucher OR ₹1,000 voucher on ₹1L quarterly spend), i.e. at most 4 a year. Fee ₹1,000 + taxes, ₹1L waiver, fee-equivalent welcome points re-verified.

Online-heavy profiles lose the 2.5% tier in the score; lounge value drops and now competes with the milestone voucher

10% cashback now covers dining, food delivery, grocery, shopping and utilities with the cap raised to ₹1,200 a month (was ₹1,000 on dining/grocery); forex markup corrected to 1.99% (file had 3.5%); lounge access is now 2 domestic + 1 international visits a year (was 4 domestic with a ₹50,000 quarterly gate); welcome package changed to ₹1,000 app cashback on ₹25,000 plus ₹750 and ₹250 vouchers; ₹250 quarterly fuel cashback recorded. Fee ₹999 + GST with ₹2L waiver and 1.5% unlimited base re-verified.

Better on forex and everyday categories, fewer lounge visits

Premier waiver criterion updated to ₹50 lakh TRB, ₹3 lakh monthly salary or a ₹1.15 crore mortgage plus TRB (was ₹40 lakh TRB); the time-bound 4X overseas offer and the Taj gift card/Epicure welcome extras are no longer on the page and were removed; point value recorded at ₹1 at Apple with 1:1 miles conversion. Joining ₹12,000, renewal ₹20,000, 0.99% forex, 3 points per ₹100, unlimited lounges with 8 international guest visits and up to 12X on Travel with Points re-verified.

Harder to qualify for the fee waiver; welcome value now points-only

Welcome offer changed to ₹1,000 cashback + ₹3,000 Postcard voucher + 3 months EazyDiner Prime on ₹25,000 spend in 30 days via the app (was 3,000 Reward Points + 1-year EazyDiner Prime + 1-night Postcard voucher on first transaction). Fee ₹4,999, ₹8L waiver, 4 RP per ₹100 on travel and forex, 2 RP elsewhere uncapped, 10,000 bonus at ₹12L, 6 domestic + 4 international lounge visits re-verified.

Welcome value now needs ₹25,000 of spend in the first month; headline value similar

Welcome offer changed to 2,000 Reward Points on ₹5,000 in 30 days via the app (plus a ₹1,000 Account Aggregator cashback offer), replacing the 10% cashback campaign; ₹250 quarterly cashback on ₹10,000 contactless fuel spend recorded. Lifetime free, 2 RP per ₹150, up to 6X on Travel with Points and 1:1 air-mile conversion re-verified.

Welcome value lower in points terms but reachable at ₹5,000 rather than ₹10,000 of spend

Forex markup corrected from 3.5% to 1.99% per the product page. Lifetime free, 5% Amazon (Prime) / 3% (non-Prime) / 2% Amazon Pay partners / 1% elsewhere, no caps, re-verified.

Card scores materially better on international spend

Forex markup corrected from 1.5% to 2% per the product page fee table; per-cycle category caps (1,000 points on grocery, utilities, education; 5,000 on insurance) recorded; welcome now lists Taj Epicure Plus and EazyDiner Prime with 12,500 points; unlimited golf and lounges for Plus card members recorded. Fee ₹12,499 + GST, ₹10L waiver and 6 points per ₹200 re-verified.

Forex cost slightly higher; earn caps now visible to the scorer

Base reward effective rate corrected from 2.0% to 0.5% (2 points per ₹100 at ₹0.25 per point; the earlier figure treated 2 points as 2%); utility and insurance recorded at 1 point per ₹100; the vague iShop 6X-12X entry was dropped as it is not on the product page. Fee ₹500 + GST, ₹1.5L waiver, 2,000-point milestone at ₹2L (+1,000 per lakh, cap 10,000), 1 domestic lounge visit per quarter on ₹75,000 and 1 railway lounge per quarter re-verified.

Coral drops in reward-led rankings; it was scoring four times its real earn rate

Reward effective rates corrected to 1.0% (4 points per ₹100 at ₹0.25 per point; the file valued points at ₹1 and carried iShop 6X/12X entries that are not on the product page); forex markup corrected from 1.5% to 2%; salaried income bar raised to ₹1.5 lakh a month per the page. Fee ₹12,000 + GST, ₹10L waiver, unlimited domestic and international lounges and monthly spend-based golf re-verified.

Card was scoring four times its real earn rate; forex slightly costlier

Reward effective rates corrected to 0.5% retail / 0.25% utility and insurance (2 and 1 points per ₹100 at ₹0.25 per point; the earlier file valued points at ₹1). Lifetime free and 3.5% forex re-verified; product URL updated to the -credit-card path.

Card was scoring four times its real earn rate in reward-led rankings

Reward effective rates corrected to 0.5% domestic / 1.0% international / 0.25% utility (2, 4 and 1 points per ₹100 at ₹0.25 per point; the earlier file valued points at ₹1); milestone cap recorded as 15,000 points a year; welcome voucher partners updated (Tata CLiQ, Croma, EazyDiner, EaseMyTrip, Avis, Elivaas). Joining ₹3,000 + GST, annual ₹2,000 + GST with ₹3L waiver, 2 domestic lounge visits a quarter on ₹75,000 and 8 railway lounge visits a year re-verified.

Card was scoring four times its real earn rate in reward-led rankings

Reward effective rates corrected to 0.5% domestic / 1.0% international / 0.25% utility (2, 4 and 1 points per ₹100 at ₹0.25 per point; the file valued points at ₹1); milestone cap 20,000 points and 2,000 per extra lakh recorded; 2 international Priority Pass visits and 4 domestic per quarter on ₹75,000 recorded; welcome vouchers now worth over ₹13,000 (Tata CLiQ, EaseMyTrip, EazyDiner, Da Milano, Croma). Joining ₹6,500 + GST, annual ₹3,500 + GST with ₹6L waiver and 3.5% forex re-verified; product URL updated (old path now redirects to the listing).

Card was scoring four times its real earn rate; welcome value higher

Lounge access corrected from 16 domestic + 16 international to 4 + 4 (plus 1 guest, ₹20,000 prior-month gate); welcome benefit is now up to 12,000 points in three 4,000-point tranches (cards from 1 Sep 2025); reward structure recorded as 1X per ₹150 base, up to 10X above ₹20,000 per cycle, 30X hotels and 15X flights in the app at ₹0.50 per point; ₹15L milestone (15,000 points) added; 24 golf rounds a year. Fee ₹5,999 + GST (add-on ₹4,000 metal / ₹3,000 plastic + ₹2,000 annual), zero forex and ₹8L milestone re-verified.

Lounge score falls sharply (4+4 rather than 16+16); welcome value now ₹6,000 in points

Forex markup now 0% (bank-wide Zero Forex Markup; was 3.5%); reward structure changed to category-based 10X on dining, travel, international and birthday spends, 3X on other eligible spends, 1X on insurance, utilities, railway and FASTag, up to 3X on UPI, plus 20%/10% bonus points on hotel/flight bookings in the app (was 1 per ₹150 base with 3X online and 10X above ₹20,000); railway lounge access now gated on ₹20,000 prior-month spend. Lifetime free and ₹500 welcome voucher on ₹5,000 re-verified.

Becomes a zero-forex lifetime-free card; dining/travel spend earns far more, online shopping less

Forex markup now 0% (bank-wide Zero Forex Markup; was 3.5%); welcome benefit is a ₹500 HPCL gift voucher (cards from 10 Jun 2025) plus first-EMI cashback; headline savings recorded (up to 6.5% fuel, 5% grocery/utility, 5% FASTag, 3X UPI and retail, 26.67% bonus on app travel bookings); lounge once a quarter on ₹20,000 monthly spend. Fee ₹499 + GST and ₹1.5L reversal re-verified. Detailed points-per-₹150 tiers sit behind Know More panels and were not re-read this pass; the stored 3 and 24 points per ₹150 are consistent with the headline percentages.

Becomes a zero-forex card; welcome value slightly lower

Forex markup now 0% (bank-wide Zero Forex Markup; was 1.99%); reward structure changed from a ₹20,000-per-cycle threshold (3X below / 10X above) to category-based: 10X on dining, travel, international and birthday spends, 3X on other eligible spends, 1X on insurance, utilities, railway and FASTag, up to 3X on UPI; domestic lounge access is 1 visit per quarter (was recorded as 2) on ₹20,000 prior-month spend; welcome ₹500 voucher on ₹5,000 in 30 days recorded. Lifetime free re-verified.

Card becomes a zero-forex option; heavy general spenders lose the incremental 10X while dining/travel spenders gain it

Forex markup now 0% (bank-wide Zero Forex Markup; was 1.5%); reward structure changed to category-based: 10X on dining, travel, international and birthday spends, 3X on other eligible spends, 1X on insurance, utilities, railway and FASTag, up to 3X on UPI; lounge access recorded as 1 domestic + 1 international visit per quarter and 4 railway visits a year, all on ₹20,000 prior-month spend; 1 golf round/lesson per quarter on ₹20,000; ₹500 welcome voucher on ₹5,000 in 30 days. Lifetime free re-verified.

Card becomes a zero-forex option with international lounge access; ranking inputs for lounges and forex improve

Earn rate corrected from 1 Reward Point per ₹100 (recorded at 1.0%) to 1 per ₹150 at about ₹0.40 per point (0.27%) per the product page; cash redemption cap of 2,500 points a month recorded. Fee schedule (₹10,000 joining, no annual fee) is not shown on the product page and was not re-verified.

Card scores at roughly a quarter of its previous reward rate

Reward rate corrected to 1 point per ₹100 at ₹0.50 (file had 4 points per ₹100 at 3.0% plus a 6-point weekend tier that is not on the page); forex markup corrected to 0% (file had 3.5%); ITC membership on the Mastercard variant discontinued from 5 Oct 2025; Moneycontrol Pro added to the welcome package; 12 golf lessons a year recorded. Joining ₹30,000, annual ₹10,000 waived at ₹10L, 4 domestic + 4 international lounge visits per quarter and the 5,000-point ₹1 lakh welcome milestone re-verified.

Card was scoring six times its real earn rate; ranks far lower on rewards

Reward structure corrected to the annual-spend slab ladder on the product page (1 RP per ₹100 up to ₹1L, then 2, 4 and 6 RP per ₹100 on the ₹1L-2.5L, ₹2.5L-5L and above-₹5L slabs) at ₹0.40 per point, replacing the travel-and-entertainment 3X/6X entries; cash redemption cap 5,000 points a month. Lifetime free, 1.5% forex, 2 domestic lounge visits a quarter and 2 international a year via Priority Pass re-verified.

Accelerated rates now apply to all eligible spend by slab rather than only travel and entertainment; base value falls from 0.75% to 0.4%

Lounge access removed (not on the product page; file had 8 domestic visits a year); cash-value redemption revised to ₹0.07 per point w.e.f. 1 Jun 2025; utilities reward cap of ₹35,000 per cycle and the ₹499 / Nil dual fee plan recorded. 8 RP per ₹150 on special categories, 4 on others up to ₹2L, ₹50,000 waiver, ₹500 welcome points and the ₹1.25L six-monthly milestone re-verified.

Card loses its lounge score; reward value slightly lower on cash redemption

Card marked discontinued for new applications per the product page heading; accelerated earn corrected to 4 RP per ₹150 on hotels, dining and travel categories (was recorded as 5X on partner merchants); domestic lounge access now gated on ₹75,000 previous-quarter spend w.e.f. 1 Jun 2025; per-cycle reward caps on education, insurance, utilities and government recorded. Fee ₹999, ₹1L waiver and 10,000/30,000-point milestones at ₹4L/₹8L re-verified.

Excluded from public rankings as discontinued; existing holders now need ₹75,000 a quarter for lounge access

Welcome benefit changed to a ₹1,500 voucher on ₹30,000 in 60 days (file had ₹15,000 White Pass value + Club Marriott, no longer listed); White Pass annual cap ₹2.5 lakh and one-card-per-customer rule recorded. Fee ₹12,500 + GST, ₹10L waiver (fees page), 2% forex, unlimited lounges for primary and add-on, 2 golf rounds a month re-verified.

Welcome value drops sharply; ongoing value unchanged

Accelerated earn corrected to 10 Zen Points per ₹150 on shopping (apparel, lifestyle, departmental stores, jewellery) with 5 on everything else (file had 15 points i.e. 3X); 6,500-point per-cycle cap recorded; domestic lounge access gated on ₹75,000 previous-quarter spend w.e.f. 1 Jun 2025. Fee ₹1,500, ₹1.5L waiver, 1,500-point welcome, 7,500/15,000-point milestones at ₹3L/₹6L and 3 international lounge visits re-verified.

Shopping earn rate drops from 2.5% to about 1.67%; lounge access now needs ₹75,000 a quarter

Base earn corrected to 2 Marriott Bonvoy Points per ₹150 on other spends (file had 4); 4 points per ₹150 on travel, dining and entertainment and 8 at Marriott hotels recorded; the ₹3L fee waiver removed because the product FAQ says the programme offers no fee waiver; Free Night Award milestones at ₹6L, ₹9L and ₹15L (file had only ₹6L); welcome package includes 10 Elite Night Credits and Silver Elite; golf lessons and course access recorded. Fee ₹3,000 + taxes and 12 lounge visits in India re-verified; product URL corrected (old path 404s).

Base reward rate halves and the fee is never waived, so the card ranks lower for non-Marriott spend; heavy spenders gain two extra Free Night milestones

Fees recorded as ₹0 joining and ₹0 annual per the OneCard homepage (No Joining Fees, No Annual Fees); the file previously left them null as cohort-dependent. 5X rewards on the top two spend categories with non-expiring, fractional points re-verified. The charges and rewards sub-pages return 403 to automated fetch, so forex markup and cohort exceptions were not re-verified.

Card now scores as genuinely free rather than fee-unknown

Earn structure corrected to 2 RP per ₹100 domestic and 5 RP per ₹100 on travel with no points on international spends (file had 1 RP base and 2 RP on international/domestic travel); milestones corrected to 10,000 points at ₹2.5L and 15,000 at ₹5L (file had 5,000 at ₹3L and 10,000 at ₹5L); spend-based extra international lounge visit recorded. Fee ₹3,000, 0% forex, ₹3,000 MakeMyTrip welcome and 2 domestic lounge visits a quarter on ₹35,000 re-verified.

Domestic and travel earn rates double; international spend earns nothing but stays forex-free

Base earn corrected to 2 reward points per ₹100 (file had 3) with 5 per ₹100 on overseas and retail fashion spends (weekend-dining entry not on the page); domestic lounge access corrected to 4 per quarter and international to 2 Priority Pass visits a month for clients meeting the ₹30 lakh FUM criterion. Complimentary issuance to Priority Banking clients re-verified; the page's ₹250 fee FAQ refers to the Platinum Rewards card, not this one.

Base reward rate falls from 3% to 2%; international lounge access is relationship-gated

Cap on the 1% other-spends cashback corrected to ₹500 per month (file said ₹1,000); 2% online cashback capped at ₹1,000 per month, first-year fee waived as a special offer and ₹499 + GST renewal reversed at ₹1.2L spend re-verified.

Maximum annual cashback is ₹18,000, slightly lower than the file implied for heavy offline spenders

Lounge access corrected to 4 domestic visits per quarter (was recorded as 2 per month) and 1 international Priority Pass visit per month gated on ₹20,000 prior-month spend (was 24 a year unconditional); 5% duty-free cashback recorded. Joining and annual fee ₹5,000 + GST, 6,000-point welcome, 5 points per ₹150 and 2% forex (posted at transaction since 25 Aug 2024) re-verified.

Lounge value is lower and spend-gated internationally; otherwise unchanged

Cashback caps recorded: ₹1,500 per cycle on Swiggy, ₹1,500 on online shopping, ₹500 on other spends; lounge access removed (not on the product page; file had 4 visits a year); welcome benefit is a 3-month Swiggy One membership on activation. Fee ₹500 + taxes, ₹2L waiver, 10%/5%/1% structure re-verified; product URL updated.

Card loses its lounge score; cashback now capped in the ranking

Welcome benefit corrected to 1,499 NeuCoins (fee reversal) on the first transaction in 30 days (file had 499); domestic lounge access is milestone-based from 10 Jun 2025 (2 vouchers a quarter on ₹50,000 quarterly spend); Visa Priority Pass now issued only on request from 1 Jun 2025. Fee ₹1,499 + taxes, ₹3L waiver, 5% NeuCoins on Tata brands (+5% via NeuPass on select Tata Neu categories), 1.5% on other non-UPI and merchant-EMI spends, up to 1.5% on UPI re-verified.

Welcome value triples; lounge access unchanged in count but now spend-gated per quarter

Earn rates corrected to 2% NeuCoins on Tata brands, 1% on other non-UPI and merchant-EMI spends and up to 1% on UPI, plus an additional 5% on select Tata Neu categories via NeuPass (file had 2% base and up to 7% on Tata brands); domestic lounge access is 1 voucher a quarter on ₹50,000 quarterly spend; 499-NeuCoin welcome and category caps recorded. Fee ₹499 + taxes and ₹1L waiver re-verified; product URL added.

Base rate halves to 1%; Tata-brand rate is 2% (7% only on select Tata Neu categories with NeuPass)

Annual fee waiver threshold corrected from ₹20 lakh to ₹25 lakh per the product page; ₹20 lakh milestone (one-night Ayatana/Lohono stay) added. Fee ₹20,000 + GST, 1.49% forex, 2% domestic reward rate with 5,000 RP category cap, unlimited domestic and international lounges, Zomato Gold and ₹10,000 EaseMyTrip / ₹12,000 Lohono welcome re-verified.

Fee waiver is harder to reach; ranking treats the fee as payable for spend under ₹25L

Effective 15 May 2026 (lounge from 1 Jul 2026): base earn revised to 4 RP per ₹200 (from 4 per ₹150); Swiggy/Zomato earn 20 RP per ₹200 with the extra 4X capped at 2,500 RP a month; lounge access is now 3 vouchers a quarter (2 domestic + 1 international) on ₹60,000 previous-quarter spend (was ₹15,000); welcome benefit is Swiggy One + Times Prime memberships on ₹75,000 in 90 days (was ₹1,500 vouchers); ₹1,500 quarterly milestone at ₹1.5L recorded as a milestone rather than a welcome benefit. Fee ₹1,000 + taxes and ₹3L waiver unchanged.

Base rate falls from 2.67% to 2.0% on the file's RP valuation; lounge gate rises four-fold, so light spenders lose lounge access

Effective 15 May 2026: base earn revised to 5 Reward Points per ₹200 (from 4 per ₹150); domestic lounge access is now 3 visits per quarter on ₹60,000 preceding-quarter spend (from ₹1,00,000, applicable from Q3 2026); new Boarding Edge programme (2 curated travel benefits per quarter on boarding-pass upload); DCC markup 1.75%; card reissuance fee ₹199. Welcome benefit is Swiggy One + MMT Black Gold memberships on ₹1L in 90 days (no ₹2,500 voucher on the current page). Fee ₹2,500 + taxes, ₹4L waiver, milestones (₹1,500 Myntra/Nykaa quarterly at ₹1.5L; ₹5,000 flight vouchers at ₹5L and ₹7.5L) and 6 Priority Pass visits unchanged.

Base reward rate drops from 1.33% to 1.25%; lounge gate is easier to hit (₹60k vs ₹1L per quarter); welcome value is memberships only

Added faq editorial overrides (Plan 14b Phase 4)

Detail-page FAQ now answers number-anchored questions on fee vs milestones math, 5X cap mechanics, best redemption path, travel-heavy persona fit, tier-gated lounge access and excluded MCCs

Flagged: promotional lifetime-free offer (`valid_till` 2026-03-31) has now expired by calendar; product page copy should be re-verified and the promotional_offer block removed or refreshed on next pass.

New applicants after 2026-03-31 likely fall back to the ₹2,499 + GST joining/annual fee unless the campaign was extended.

Added faq editorial overrides (Plan 14b Phase 4)

Detail-page FAQ now answers number-anchored questions on ₹10L fee waiver, tiered earn curve (1.67%-2.5%), 1:1 White Pass redemption, HNI persona fit, bundled benefit value and invite-only eligibility

Added maximize_plays editorial overrides; normalised last_updated from 'February 2026' to 2026-04

Editorial layer now surfaces card-specific optimisation tactics; meta date format aligned with YYYY-MM convention

Added maximize_plays editorial overrides; normalised last_updated from 'February 2026' to 2026-04

Editorial layer now surfaces card-specific optimisation tactics; meta date format aligned with YYYY-MM convention

Added maximize_plays editorial overrides; normalised last_updated from 'February 2026' to 2026-04

Editorial layer now surfaces card-specific optimisation tactics; meta date format aligned with YYYY-MM convention

Added faq editorial overrides (Plan 14b Phase 4)

Detail-page FAQ now answers number-anchored questions on fee waiver, redemption value, fit, lounge gating, exclusions and best redemption path

Welcome voucher cut from ₹500 to ₹250; the 25% Airtel and 10% utility cashback caps are now tied to the base cashback earned that month (twice and once respectively) instead of a flat ₹250; preferred partners are now Zomato, Blinkit and District Movies at 10% (₹200 per partner per month) with Swiggy moved to a ₹200-off offer (effective 12 Apr 2026 value chart). Fee ₹500 + GST, ₹2L waiver (rent and wallet excluded), 1% base and no fuel cashback re-verified; 4 lounge visits retained from the fees table.

Cashback ceiling now scales with base spend, so light spenders earn far less on Airtel bills than the old ₹250 cap implied

Airport lounge access benefit revision announced

Future-dated change announced on product page FAQ (details via linked update document)

Airport lounge access benefit revision announced

Future-dated lounge revision is referenced in Wealth page benefit messaging/update notices

Editorial: added faq (6 QA pairs framed around discontinued issuance — availability, fee waiver for existing holders, highest-value categories, redemption, retention calculus, benefit continuity); normalized meta_information.last_updated from 'February 2026' to ISO '2026-04'

Content layer enrichment; no schema/fee/reward changes

Editorial: added faq (6 QA pairs covering fee/waiver, milestone math, redemption value, fit, lounge gating, and forex)

Content layer enrichment; no schema/fee/reward changes

Editorial: added maximize_plays; normalized meta_information.last_updated from 'February 2026' to ISO '2026-04'

Content layer enrichment; no schema/fee/reward changes

Editorial: added faq (6 QA pairs covering fee math, multiplier mechanics, redemption, fit, eligibility, and lounge trigger)

Content layer enrichment; no schema/fee/reward changes

Editorial: added faq (6 QA pairs covering zero-fee status, online multiplier math, redemption, fit, forex, and lounge scope); normalized meta_information.last_updated from 'February 2026' to ISO '2026-04'

Content layer enrichment; no schema/fee/reward changes

Editorial: added faq (6 QA pairs framed for existing cardholders — discontinued-for-new-applications status, fee waiver, category mix, redemption, fit, legacy-benefits continuity)

Content layer enrichment; no schema/fee/reward changes

Domestic lounge gate raised to ₹20,000 combined monthly spend (was ₹10,000 previous month); coin value on the homepage is 5 Scapia coins = ₹1 (file assumed 10 = ₹1); zero forex on all spends abroad dated 27 Feb 2026; RuPay variant's 5% on UPI recorded. Lifetime free re-verified. The coins-per-₹100 earn percentages are rendered as graphics on the homepage and the support/fees pages return 403, so the 2%/10%/20% effective rates were not re-verified this month.

Lounge access needs double the monthly spend; coin valuation is more generous than the file assumed

KFS and product page values revalidated for APR, cash-advance fee, zero forex and lounge conditions

Dataset refreshed to current official wording

Current SBI Card BPCL Octane page confirms 6,000 welcome reward points, 25 RP fuel earn and 4 domestic lounge visits/year benefit construct

Revalidated Octane’s current value proposition versus other fuel cards

SBI MITC/CHA fee schedule used for finance charges, forex mark-up, late fees and transaction processing charges

Ensures fee stack reflects current SBI Card central schedule rather than legacy summaries

Signature-tier EazyDiner features revalidated from official IndusInd and EazyDiner pages

Updated fee, milestone and discount caps in dataset

Current Coral page FAQ confirms INR 75,000 quarterly spend criterion for domestic airport lounge access

Lounge value remains spend-gated and primary-cardholder-only

Legend benefits and MITC figures revalidated

Updated lounge, insurance and fee values using official benefit guide and MITC page

Added enriched Marriott Bonvoy HDFC card profile with official snippet-verified fees, rewards and benefits

Closes a major hotel co-brand coverage gap in the India catalog

OneCard rewards, charges and interest-rate pages revalidated

Updated fee/interest values and Gold-tier rewards treatment in dataset

Official-first data refresh completed using RBL product page, card T&C, MITC and Schedule of Charges

Corrected reward slabs, milestone thresholds, annual fee waiver threshold, late-fee formula and service charges

Scapia homepage and support fee pages revalidated

Updated zero-fee, zero-forex, APR/late-fee and lounge qualification fields

Current SimplyCLICK product page partner merchant list and reward multipliers revalidated

Ensures 10X partner list reflects current SBI Card merchandising

SBI MITC/CHA fee schedule used for finance charges, forex mark-up, late fees and transaction processing charges

Central fee stack aligned to latest SBI Card schedule

Official-first data refresh completed using Standard Chartered product page, card T&C, rewards T&C, MITC and Tariffs & Charges PDFs

Corrected rewards earn/redemption structure, lounge and golf benefits, and generic SC fees/charges

Official-first data refresh completed using Standard Chartered product page, card T&C, rewards T&C, MITC and Tariffs & Charges PDFs

Corrected lounge cadence, charge schedule assumptions, and score-critical rewards/redemption values

Card fields refreshed from official HDFC snippets and FAQ/value-chart references

Core fee, cashback, lounge and forex fields revalidated

Added enriched Tata Neu Plus card profile using official HDFC snippets/FAQ references

Improves Tata Neu lineup coverage by adding Plus variant alongside Infinity

ICICI MITC revision reflected latest fee schedule reference used for Times Black verification

Current fee/charge fields revalidated against updated MITC

MITC baseline revision effective date

Central APR, late fee and fee schedule references updated under IDFC FIRST MITC

Bonus travel rewards structure revision

33% hotel and 13% flight bonus reward points via Travel & Shop platform with monthly bonus cap of 8,000 points

ICICI MITC introduced/updated DCC and category transaction fee rules (wallet load, gaming, transportation) across credit cards

Higher costs on select transaction categories for Coral cardholders

ICICI MITC DCC and selected category transaction fee updates became effective

Times Black retained preferential 1.49% forex/DCC markup while bank-wide category fee rules changed

Domestic airport spa access end date

Spa access available till 30 Nov 2025 and discontinued from 1 Dec 2025 per privileges PDF

Power+ privileges PDF revision

Updated domestic lounge, movie, roadside assistance and partner-program terms (per privileges PDF revision date)

Oberoi hotels and resorts offers discontinued w.e.f. 1 Oct 2025 and complimentary luxury airport transfers w.e.f. 20 Apr 2024 (product page notices). Unlimited domestic lounge visits and unlimited Priority Pass access confirmed; the page carries no fee or earn-rate table, so ₹50,000 fee, ₹35L waiver and EDGE rates were not re-verified.

Lifestyle value slightly lower for Oberoi regulars; ranking inputs unchanged

Issuance of air accident cover discontinued

New/continued cover issuance for air accident benefit stopped as disclosed on SBI Card product page

Issuance of Central Bank of India SBI Card PRIME discontinued

Card no longer issued to new applicants

Air Accident Insurance coverage of ₹1 crore discontinued

Reduced insurance benefits for cardholders

Air Accident Liability Cover of ₹50 lakh discontinued

Reduced insurance benefits for cardholders

Revised terms moved reward-earn and fee-waiver exclusions to spend-category based approach

Clarified/standardized exclusion handling for cashback and annual fee waiver calculations

Enhanced international spending rewards to 3% (30 ER per ₹200)

Improved earning potential on international transactions

Major devaluation - removal of lounge access and introduction of quarterly cashback caps

4 complimentary domestic lounge visits discontinued, quarterly caps of ₹4,000 introduced for Flipkart and Cleartrip

Myntra cashback enhancement from 1% to 7.5%

Significant improvement for fashion shoppers, capped at ₹4,000 per quarter

Exclusion methodology change from MCC to spend category

Broader exclusions for utility, telecom, rent, and wallet transactions

Fuel transaction rewards discontinued

No more MR points on fuel purchases

Exclusion of utility, education, wallet load, and online gaming spends from rewards

Reduced earning opportunities for existing cardholders

Introduction of 1% transaction fees on wallet loading, utility, and fuel spends above thresholds

Increased costs for high spenders in these categories

Restrictions on utility bills, education spends, and wallet loading charges

Utility bills above ₹50K/month and education above ₹70K/month no longer earn rewards, 1% charge on wallet loads above ₹10K/month

Major redemption devaluation - Taj vouchers reduced value, Flipkart removed

Taj: 25,000 MR for ₹10,000 voucher (vs 20,000 MR previously), Flipkart discontinued

New redemption partners added - Postcard Hotels and Air India

Postcard: 20,000 MR = ₹10,000, Air India: 20,000 MR = ₹6,000

Zero forex markup introduced

Eliminated foreign transaction markup making it best for international usage

Enhanced Air India booking rewards from 10 to 30 points per ₹100 for direct bookings

Significantly improved value for Air India self-bookings

Earn structure corrected to the product page tiers (2.5 / 1.5 / 1 reward points per ₹100 at ₹0.40 per point; file had 2 base and 6 weekend points); international lounge access reduced to 1 Priority Pass visit per quarter and golf to 1 game + 1 lesson a month, both effective 13 Mar 2025; welcome gifts apply to select fee plans only. One-time ₹15,000 joining fee not shown on the page and not re-verified.

Card scores materially lower on rewards and lounges

Pinnacle benefit terms revised (lounge/golf-related revisions reflected on product page)

Quarterly lounge and golf access conditions were restructured on the official product page.

Lounge access discontinued effective 7 March 2025 (was recorded as 2 domestic visits); the ₹600 quarterly voucher at ₹90,000 is not on the product page and was replaced by the page's 3,000 bonus points on ₹5 lakh in year one; welcome gifts (Montblanc / Postcard / Vouchagram) apply only to paid fee plans, not the lifetime-free plan. 1 RP per ₹100 weekdays and 2 RP weekends re-verified.

Card loses its lounge score entirely; milestone value only reachable at ₹5 lakh

Railway lounge benefit spend qualification messaging updated

Current-month spend of Rs 20,000 required to access railway lounges in following month

Fuel surcharge waiver cap revised

Product page notes cap change from Rs 400 to Rs 300 per statement cycle

InterMiles redemption discontinued

Further reduction in airline partner redemption options

Priority Pass charges introduced for usage within India

Priority Pass visits within India now cost ₹2,700 + taxes per visit, reducing value proposition significantly

Unlimited lounge access now requires minimum quarterly spend of ₹40,000

Reduced value for low spenders, but still unlimited for qualifying users

Minimum ₹20,000 prior-quarter spend criteria applied for complimentary airport lounge access

Lounge benefits are gated by quarterly spends for both domestic access and RuPay international lounge eligibility under program terms

Tariff and reward exclusion revisions updated BOBCARD Premier terms

Reward accrual exclusions and select program terms changed for cardholders

First major devaluation - reduced cashback caps for apparel category

Maximum cashback for apparel spends reduced from ₹1,000 to ₹500 per 30-day cycle

FIRST Select card design refresh for newly issued cards

Visual refresh only; existing cards continue with same features

Additional transaction fees updated for rent, wallet, fuel, utilities, education and gaming

Higher cost on selected high-volume categories

Additional transaction fees updated for utility, wallet, fuel, education and gaming categories

Higher cost on selected high-volume categories

Introduction of 1% fees on multiple transaction categories

Increased costs for wallet, fuel, utility, education, and gaming transactions above thresholds

ICICI Bank and Times Internet launched Times Black ICICI Bank Credit Card

Introduced a new ultra-premium co-branded lifestyle card into the ICICI portfolio

Updated welcome benefits - Amazon Prime voucher worth ₹500

Previous customers received 3-month Prime membership, new customers get ₹500 voucher

ICICI MITC spend-threshold calculations updated to exclude rent, government and education payments for annual fee reversal and milestone benefits

Coral annual fee waiver and milestone planning now requires cleaner retail spend mix

Government spending excluded from reward earning

Reduced earning potential on government transactions

Spa benefit discontinued

Loss of spa access benefits that were previously available

Airport lounge access spending criteria increased to ₹75,000 per quarter

Higher threshold to unlock quarterly lounge benefits

Spa benefit discontinued

Loss of spa access benefits that were previously available

Supplementary card annual fee introduced at ₹199

Additional cost for add-on cardholders

Lounge access spend threshold increased to ₹75,000 per quarter

Higher spend required for domestic lounge benefits

Grocery spending reward points capped at ₹40,000 monthly

Limited rewards earning on grocery purchases

Club Vistara Airmiles redemption discontinued

Reduced redemption options for airline miles

Cash redemption capped at 2,500 points per month

Limited monthly cash redemption potential

Cash credit redemption cap of 7,500 points per statement cycle in effect

Monthly cash credit redemption flexibility reduced for heavy redeemers.

Monthly reward redemption cap introduced

Limited cash redemption to 5,000 points per calendar month

Online cashback cap updated to INR 1,000 per statement cycle

Replaces older monthly-cap messaging in some marketing materials

Offline cashback cap updated to INR 1,000 per statement cycle

Clarifies cap reset basis and spend planning for cardholders

Online cashback eligibility and annual fee waiver exclusions documented in Smart FAQ/T&C using detailed MCC/category exclusions

Reduces eligible spend base versus broad marketing claims

Redemption fee of ₹50 introduced for statement credit

Reduced value proposition for cashback redemptions

New transaction charges for rent, utilities, fuel via third-party apps

Additional costs for certain payment methods

Metal edition launched replacing plastic DCB

Enhanced card durability and premium feel

New transaction charges introduced for rent, utilities, and fuel

1% fee capped at ₹3,000 per transaction for certain categories

SmartBuy monthly cap enhanced to ₹10,000

Increased earning potential on portal transactions

Quarterly milestone improved to 10,000 points

Better value for high spenders (₹4 lakh quarterly spend)