Changes Desk

Track card changes before they quietly ruin your math.

This page pulls the latest meaningful card-level changes from our research log so you can spot reward cuts, fee shifts, lounge rule changes, and milestone resets without digging through every detail page.

Cards with tracked changes18

Changes in last 30 days5

Devaluation-heavy entries18

Issuers represented12

Browse cards Read analysis

Milestone shift

HDFC Diners Club Black Metal Edition Credit Card

01 Jul 2026

Updated with July 1, 2026 SmartBuy brand voucher capping limits.

Beforestandard exclusions

NowSmartBuy brand voucher points capped at 3,000/month

HDFCSuper-premium travel, lounge and SmartBuy users

Open card Open source

Recent radar hits

Latest card-level changes worth scanning first.

We only surface the latest meaningful public-facing change per card here, not every internal verification touch.

Milestone shift01 Jul 2026

HDFC Diners Club Black Metal Edition Credit Card

Updated with July 1, 2026 SmartBuy brand voucher capping limits.

HDFCPoints

Open card

Milestone shift01 Jul 2026

HDFC Infinia Metal

Updated with July 1, 2026 SmartBuy brand voucher capping limits.

HDFCPoints

Open card Read related review

Lounge rules01 Jul 2026

HDFC Regalia Gold

Updated domestic lounge access spend threshold and May 15 reward rates.

HDFCPoints

Open card

Full feed

Changes feed

Use this feed when you want the before/after framing without opening each card individually.

Milestone shift

HDFC Diners Club Black Metal Edition Credit Card

HDFC01 Jul 2026

Updated with July 1, 2026 SmartBuy brand voucher capping limits.

Beforestandard exclusions

NowSmartBuy brand voucher points capped at 3,000/month

Super-premium travel, lounge and SmartBuy users

Open card Source

Milestone shift

HDFC Infinia Metal

HDFC01 Jul 2026

Updated with July 1, 2026 SmartBuy brand voucher capping limits.

Beforestandard exclusions

NowSmartBuy brand voucher points capped at 3,000/month

High Net Worth Individuals

Open card Review Source

Lounge rules

HDFC Regalia Gold

HDFC01 Jul 2026

Updated domestic lounge access spend threshold and May 15 reward rates.

Before12 domestic lounge accesses per calendar year

NowRequires ₹60k spend in preceding quarter to unlock 3 domestic lounge visits

Mid-Range Travelers & Lifestyle

Open card Source

Lounge rules

AU SPONT Credit Card

AU Small Finance02 Jun 2026

Corrected AU SPONT economics from current AU issuer page and schedule-of-charges.

Beforeold broken URL, false lifetime-free/no-lounge profile

Nowissuer-sourced AU SPONT URL, ₹299 fee, 1% capped cashback and spend-gated lounge terms

RuPay UPI users who want simple capped cashback and low-fee lounge access

Open card Source

Fee change

AU SwipeUp Xcite Credit Card

AU Small Finance02 Jun 2026

Repointed AU Xcite to current SwipeUp Xcite official sources and corrected fee status.

Beforedead standalone Xcite URL and paid-fee profile

Nowcurrent SwipeUp Xcite source and issuer-listed lifetime-free fee status

Shoppers who want a lighter-fee AU rewards card

Open card Source

Lounge rules

Axis Bank SELECT Credit Card

Axis01 Jun 2026

Corrected false lifetime-free status and imported personal-loan features.

Beforestale imported/placeholder values

Nowissuer-sourced fees, rewards, lounge and feature copy

Axis users who can use retail shopping rewards and milestone benefits

Open card Source

Lounge rules

ICICI Emeralde Private Metal Credit Card

ICICI01 Jun 2026

Corrected false lifetime-free status and unrelated imported placeholder data.

Beforestale imported/placeholder values

Nowissuer-sourced fees, rewards, lounge and feature copy

Invitation-only premium travel and lifestyle users

Open card Source

Lounge rules

IDFC FIRST Private Credit Card

IDFC01 Jun 2026

Corrected false lifetime-free, reward value, lounge and cashback model.

Beforestale imported/placeholder values

Nowissuer-sourced fees, rewards, lounge and feature copy

Invitation-only premium relationship customers

Open card Source

Lounge rules

IndianOil RBL Bank XTRA Credit Card

RBL01 Jun 2026

Replaced aggregator source and corrected fee/reward model.

Beforestale imported/placeholder values

Nowissuer-sourced fees, rewards, lounge and feature copy

IndianOil fuel spends

Open card Source

Fee change

IndusInd Bank Avios Visa Infinite Credit Card

IndusInd01 Jun 2026

Updated data model to reflect the live revised fee structure of April 2025 where joining fee is ₹10k and renewal is ₹5k.

Before0, 0, true

Now10000, 5000, false

International Travel & Airline Transfers

Open card Review Source

Lounge rules

PNB Luxura RuPay Metal Credit Card

PNB01 Jun 2026

Corrected false no-fee/no-lounge imported data and added issuer-listed reward-point value from PNB PDF.

Beforestale imported/placeholder values

Nowissuer-sourced fees, rewards, lounge and feature copy

Premium RuPay users who can use lounge and lifestyle benefits

Open card Source

Lounge rules

Standard Chartered EaseMyTrip Credit Card

Standard Chartered01 Jun 2026

Corrected false lifetime-free, reward point value and lounge placeholders.

Beforestale imported/placeholder values

Nowissuer-sourced fees, rewards, lounge and feature copy

EaseMyTrip flight and hotel bookings

Open card Source

Lounge rules

IndusInd Legend

IndusInd18 May 2026

Updated high-impression GSC card page to match official IndusInd discontinuation notice.

Beforeactive lounge footprint mapped from older source data

Nowlounge access discontinued effective 7 March 2025

Existing IndusInd users who want a no-fee lifestyle card after lounge devaluation

Open card Source

Reward cap

SBI Cashback Card

SBI25 Mar 2026

Kept verification high, but marked a source conflict because the live FAQ still shows the older Rs.5,000 cap.

BeforeOlder public wording implied a single Rs.5,000 cumulative statement-cycle cashback cap and did not call out gaming, toll, and government...

NowIssuer revised benefits letter confirms a split Rs.2,000 online + Rs.2,000 offline cap and explicitly adds gaming, toll, and select gover...

Moderate Online ShoppersMixed issuer sources

Open card Review Source

Milestone shift

Amex Platinum Travel

Amex19 Mar 2026

Updated after verifying the current official Amex page and benefits page following the 9 March 2026 milestone revision.

Beforeolder ₹3,500 joining fee and pre-9 March 2026 milestone assumptions centered on the ₹4L threshold

Nowrefreshed to the live ₹5,000 first-year fee and the new 1.9L / 4L / 7L milestone structure now shown by Amex

Amex users who can either maximize the first-year welcome bonus or push all the way to the ₹7L annual tier for travel redemptions

Open card Review Source

Lounge rules

BoB Eterna

BoB12 Mar 2026

Updated Eterna perk stack (FITPASS welcome benefit, BOGO movies), 5X cap details, quarterly lounge spend gating and latest verification d...

Before2026-02-12 snapshot

Nowissuer refresh (benefits, lounge gating, caps, campaign window)

Frequent TravelersMixed issuer sources

Open card Review Source

Lounge rules

HPCL ENERGIE BOBCARD: Best Fuel Credit Card for Road Travelers & Petrol Spends

BoB12 Mar 2026

Aligned HPCL Energie to issuer terms: ₹499 joining/annual fee, ₹50K waiver threshold, and lounge eligibility of 1 visit per quarter with...

BeforeLTF + no lounge mapping

Now₹499 fee model + spend-gated quarterly lounge

Fuel spends with occasional travel

Open card Source

Lounge rules

BoB Premier

BoB12 Mar 2026

Updated BoB Premier lounge eligibility (₹20,000 prior-quarter spend, 1 visit/quarter), refreshed review date, and captured current campai...

Beforelounge gating unspecified

Nowquarterly-limit + spend-gated lounge policy captured

Mid-range Travel

Open card Source