{
  "dataset": "CardAdvisor — India Credit Card Change History",
  "description": "Every tracked, source-verified change to active Indian credit cards — reward rates, fees, transfer partners, lounge access, milestones and welcome benefits — as one dated changelog. Counted PER AFFECTED CARD: a bank-wide revision touching twenty cards appears as twenty events (card-impact scope). The /changes tracker and the devaluation study count the same record once per distinct change (announcement scope), so their totals are lower, not inconsistent. Announced-but-not-yet-effective changes are included as rows — compare each row's date against today before treating it as in force. Structured facts only: the full editorial write-up of each change lives on https://cardadvisor.in/changes and on the card's own page. Independent, no paid placements. Free to cite with attribution.",
  "publisher": "CardAdvisor",
  "license": "CC BY 4.0",
  "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
  "citation": "CardAdvisor — India Credit Card Change History Dataset v2026-08-15, https://cardadvisor.in/data/v/2026-08-15/changes.json.",
  "source": "https://cardadvisor.in/changes",
  "homepage": "https://cardadvisor.in/data",
  "asOf": "2026-08-05",
  "version": "v2026-08-15",
  "schemaVersion": 2,
  "generatedAt": "2026-08-14T21:52:33.046Z",
  "eventCount": 1613,
  "cardCount": 280,
  "fieldDictionary": {
    "cardKey": "Stable slug; the card detail page is /cards/{cardKey}.",
    "cardName": "Official card name.",
    "issuer": "Issuing bank (display name).",
    "date": "Effective date at whichever precision we can stand behind: 'YYYY-MM-DD', 'YYYY-MM' (day unknown) or 'YYYY' (month unknown).",
    "announced": "Announcement/observation date, when materially different from the effective date.",
    "type": "launch | reward | fee | redemption | lounge | transfer | milestone | welcome | eligibility | network | benefit.",
    "direction": "revaluation (value gained) | devaluation (value lost) | neutral.",
    "magnitude": "major | minor — editorial sizing of the change.",
    "status": "active | reversed (announced then withdrawn before taking effect) | superseded.",
    "title": "One-line summary of the change.",
    "before": "Value before the change, where a clean before/after pair exists.",
    "after": "Value after the change, where a clean before/after pair exists.",
    "confidence": "high (primary / multi-source) | reconstructed (single source or an inferred date).",
    "verificationTier": "official (verified against the issuer's own published document) | research (no public issuer document; stands on CardAdvisor Research).",
    "verificationUrl": "The official issuer document — T&C, MITC, notice or product page (official tier only).",
    "cardUrl": "Canonical card page carrying this card's full value timeline.",
    "noticeId": "Set when the change came from ONE issuer-wide notice applied to many cards. Rows sharing a noticeId are the same real-world announcement — group by it to count issuer actions rather than per-card effects.",
    "actId": "Set when the change is one bank decision applied across cards with per-card variance (different before/after values per card). Rows sharing an actId are ONE distinct change — group by it, as with noticeId, to count issuer actions rather than per-card effects. The two keys share one namespace and never overlap."
  },
  "events": [
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie offer now needs Rs 25,000 of spend in the previous 3 months",
      "before": "Movie offer available to every cardholder, no spend condition",
      "after": "Rs 25,000 of eligible spend in the preceding 3 calendar months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-privilege.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie offer now needs Rs 25,000 of spend in the previous 3 months",
      "before": "Movie offer available to every cardholder, no spend condition",
      "after": "Rs 25,000 of eligible spend in the preceding 3 calendar months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-privilege.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "District movie buy-one-get-one becomes spend-gated",
      "before": "Available to every cardholder each month",
      "after": "Requires ₹25,000 of spend in the previous 3 months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-myzone.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie offer now needs Rs 25,000 of spend in the previous 3 months",
      "before": "Movie offer available to every cardholder, no spend condition",
      "after": "Rs 25,000 of eligible spend in the preceding 3 calendar months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-privilege.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie offer now needs Rs 25,000 of spend in the previous 3 months",
      "before": "Movie offer available to every cardholder, no spend condition",
      "after": "Rs 25,000 of eligible spend in the preceding 3 calendar months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-privilege.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-10-01",
      "announced": "2026-07-29",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Excluded categories stop counting toward the Rs 3 lakh milestone bar",
      "before": "All spend counted toward the Rs 3 lakh anniversary threshold",
      "after": "Nine excluded merchant categories no longer count toward it",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2026-10-01",
      "announced": "2026-08-10",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated behind ₹1L of spend in the previous quarter",
      "before": "2 complimentary domestic visits per calendar quarter, unconditional",
      "after": "2 per quarter only if ₹1,00,000 of eligible spend in the preceding calendar quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2026-09-10",
      "announced": "2026-08-10",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Second milestone cut in six months — ₹1.9L tier deleted, ₹7L points traded for a bigger Taj card",
      "before": "₹1.9L→7,500 MR; ₹4L→10,000 MR; ₹7L→22,500 MR + ₹10,000 Taj voucher",
      "after": "₹1.9L→nothing; ₹4L→10,000 MR; ₹7L→₹20,000 Taj Experiences e-Gift Card, no points",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-09-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Standalone fee doubles to ₹1,00,000 for holders below the ₹5 crore relationship bar",
      "before": "₹50,000 + GST",
      "after": "₹1,00,000 + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
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      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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      "verificationTier": "official",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
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      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
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      "direction": "devaluation",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
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      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
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      "confidence": "high",
      "verificationTier": "official",
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      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
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      "direction": "devaluation",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
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      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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      "direction": "devaluation",
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      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
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      "confidence": "high",
      "verificationTier": "official",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
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      "confidence": "high",
      "verificationTier": "official",
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      "verificationTier": "official",
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      "direction": "devaluation",
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      "confidence": "high",
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      "direction": "devaluation",
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      "verificationTier": "official",
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      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
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      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
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      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
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      "actId": null
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      "announced": "2026-07-29",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
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      "verificationTier": "official",
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      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage-black",
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      "direction": "devaluation",
      "magnitude": "minor",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
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      "announced": "2026-07-29",
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      "direction": "devaluation",
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      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
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      "verificationTier": "official",
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      "direction": "devaluation",
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      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
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      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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      "direction": "devaluation",
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      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
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      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
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      "announced": "2026-07-29",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
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      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
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      "cardKey": "axis-supermoney",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
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      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
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      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
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      "cardKey": "axis-flipkart",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
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      "verificationTier": "official",
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      "cardKey": "axis-flipkart",
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      "direction": "devaluation",
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      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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    {
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      "direction": "devaluation",
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      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
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      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
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      "cardKey": "axis-shoppers-stop",
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      "direction": "devaluation",
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      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
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      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-shoppers-stop",
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      "direction": "devaluation",
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      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
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      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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      "direction": "devaluation",
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      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
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      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
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      "verificationTier": "official",
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      "direction": "devaluation",
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      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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      "direction": "devaluation",
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      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
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      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
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      "cardKey": "axis-samsung-infinite",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
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      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
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      "type": "fee",
      "direction": "devaluation",
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      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
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    {
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      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
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      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
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      "announced": "2026-07-29",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
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      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
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      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup rises to 2%",
      "before": "1.5% + GST",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-magnus.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2026-08-28-dynamic-currency-conversion-markup-rises-to"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
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      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
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      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 5 EDGE Reward Points : 4 Avios on Burgundy Private",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Select",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Rewards card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 2 EDGE Miles : 1 Avios on the Horizon",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 2 EDGE Miles : 1 Avios on the Atlas",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 1 EDGE Mile : 2 Avios on the Olympus",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 5 EDGE Reward Points : 1 Avios on the Reserve",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Privilege",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 5 EDGE Reward Points : 1 Avios on the Magnus",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "hdfc-phonepe-uno",
      "cardName": "PhonePe HDFC Bank Uno Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-08-01",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit restructured into five UPI scratch cards",
      "before": "₹249 PhonePe gift voucher on the first UPI transaction, plus ₹25 on each of the next ten (₹499)",
      "after": "Five ₹100 cashback vouchers (scratch cards), one on each of the first five UPI-on-credit-card transactions of ₹100+ in the PhonePe app (₹500)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/phonepe-hdfc-bank-uno-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-uno",
      "noticeId": null,
      "actId": "hdfc-2026-08-01-welcome-benefit-restructured-into-five-upi"
    },
    {
      "cardKey": "hdfc-phonepe-ultimo",
      "cardName": "PhonePe HDFC Bank Ultimo Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-08-01",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit restructured into five UPI scratch cards",
      "before": "₹499 PhonePe gift voucher on the first UPI transaction, plus ₹50 on each of the next ten (₹999)",
      "after": "Five ₹200 cashback vouchers (scratch cards), one on each of the first five UPI-on-credit-card transactions of ₹100+ in the PhonePe app (₹1,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/phonepe-hdfc-bank-ultimo-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-ultimo",
      "noticeId": null,
      "actId": "hdfc-2026-08-01-welcome-benefit-restructured-into-five-upi"
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-07-31",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "IndusInd stops describing the card as having no joining fee",
      "before": "Product page: \"Lifetime Free - Zero Joining Fee & Zero Annual Fee\"",
      "after": "Product page: \"No Annual Fees\"; FAQ: \"only a one-time joining fee applicable\"",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-rupay-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-travelone",
      "cardName": "HSBC TravelOne Credit Card",
      "issuer": "HSBC",
      "date": "2026-07-31",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fee-waiver clause widened — add-on spends count, anniversary year, GST reversed",
      "before": "₹8L on the primary card, measured over the financial year",
      "after": "₹8L across primary + add-on cards, measured over the card anniversary year",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/content/dam/hsbc/in/documents/most-important-terms-and-conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-travelone",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-live-plus",
      "cardName": "HSBC Live+ Credit Card",
      "issuer": "HSBC",
      "date": "2026-07-26",
      "announced": "2026-06-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Domestic lounges halved; base-cashback exclusions added",
      "before": "4 domestic lounge visits/yr (1/quarter) · 1.5% earns on hospital, local transport & international spends",
      "after": "2 domestic lounge visits/yr (1/6 months) · no cashback on hospital (MCC 8062), local transport (MCC 4111) or international spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/products/live-plus/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-live-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-live-plus",
      "cardName": "HSBC Live+ Credit Card",
      "issuer": "HSBC",
      "date": "2026-07-26",
      "announced": "2026-06-29",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Live+ upgraded — 10% categories widened, cap raised, Visa Infinite",
      "before": "10% on dining/food-delivery/grocery · ₹1,000/mo cap · 3.5% forex · Visa Platinum",
      "after": "10% adds shopping (excl Amazon/Flipkart/Myntra) & utility bills · ₹1,200/mo cap · 1.99% forex · Visa Infinite",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/products/live-plus/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-live-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-indigo",
      "cardName": "IndiGo IDFC FIRST Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07-22",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "FASTag, railway, government and education cut to 0.5 BluChips",
      "before": "3 BluChips per ₹100 (base rate)",
      "after": "0.5 BluChips per ₹100",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/IndiGo-IDFC-FIRST-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-indigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-private",
      "cardName": "IDFC FIRST Private Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07-17",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Annual fee halved to ₹25,000; 50,000-point commencement benefit",
      "before": "₹50,000 + GST",
      "after": "₹25,000 + GST; 50,000 reward points credited on commencement-fee realization (cards issued on or after 17 Jul 2026)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-private",
      "cardName": "IDFC FIRST Private Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07-17",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Spend-based milestones discontinued",
      "before": "Renewal milestone reward points on annual spend",
      "after": "None — spend-based milestones discontinued",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/credit-card/FIRSTPrivateCreditCard",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel rewards and surcharge waiver restricted to HPCL's eligible-outlet list",
      "before": "Accelerated 24 RP per ₹150 and 1% surcharge waiver at all HPCL fuel outlets",
      "after": "Only at HPCL outlets on the eligible merchant (MID/TID) list HPCL shares with BOBCARD; off-list pumps earn base rate with no waiver",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": null,
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    },
    {
      "cardKey": "bob-premier",
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      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary accidental death insurance withdrawn",
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      "after": "No complimentary accidental death cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
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    {
      "cardKey": "bob-select",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Accidental death insurance withdrawn",
      "before": "₹15 lakh air + ₹5 lakh non-air accidental death cover",
      "after": "Withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": null,
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    },
    {
      "cardKey": "bob-tiara",
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      "magnitude": "minor",
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      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
      "actId": "bob-2026-07-15-accidental-death-insurance-withdrawn"
    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
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      "direction": "devaluation",
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      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
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    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
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      "direction": "devaluation",
      "magnitude": "major",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
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    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
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      "announced": "2026-06-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary accidental death insurance withdrawn",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2026-07-15-accidental-death-insurance-withdrawn"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
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      "announced": "2026-06-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Accidental death insurance withdrawn",
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      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2026-07-15-accidental-death-insurance-withdrawn"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
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      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Finance charge raised to 3.75%/month",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2026-07-15-finance-charge-raised-to-3-75-month"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge spend threshold raised to ₹75,000/quarter",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
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      "actId": "bob-2026-07-15-lounge-spend-threshold-raised-to-75-000"
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    {
      "cardKey": "cheq-au",
      "cardName": "CheQ AU Credit Card",
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      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "CheQ AU becomes lifetime-free",
      "before": "₹499 joining + ₹499 annual, reversible on ₹3 lakh annual spends",
      "after": "Lifetime free (one-time ₹999 + GST applies only to the optional LED Visa variant)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/cheq-au",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
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      "announced": null,
      "type": "welcome",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Welcome BluChips temporarily doubled",
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      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
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      "actId": "axis-2026-07-03-welcome-bluchips-temporarily-doubled"
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    {
      "cardKey": "au-paytm",
      "cardName": "Paytm AU Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Paytm AU Credit Card launches as a zero-fee UPI-rewards co-brand",
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      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/paytm-au-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-paytm",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-mmt",
      "cardName": "MakeMyTrip ICICI Bank Credit Card",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access loses its exemption from the ₹75,000 quarterly spend gate",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-mmt",
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      "actId": "icici-2026-07-01-airport-lounge-access-gated-behind-75-000"
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    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access became spend-gated (₹60,000/quarter)",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Diners-Privilege-Product-Feature-Change.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
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    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
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      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy brand-voucher earning capped at 3,000 RP/month",
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      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
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    {
      "cardKey": "sbi-phonepe-select-black",
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      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward-point caps halved and new exclusions added",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/PhonePe-Black-pdf-27Apr2026.pdf",
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      "actId": "sbi-2026-07-01-reward-caps-cut-and-new-exclusions-added"
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    {
      "cardKey": "idfc-indigo",
      "cardName": "IndiGo IDFC FIRST Credit Card",
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      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "BluChips now forfeited if the minimum due is missed",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
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      "magnitude": "minor",
      "status": "active",
      "title": "Boarding Edge programme introduced",
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      "after": null,
      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
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      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access made spend-gated",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card",
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    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
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      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "SmartBuy brand-voucher earning capped",
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      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
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    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
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      "announced": "2026-06-25",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Mumbai Centurion Lounge closes; access moves to Adani lounge",
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      "after": "Adani Business Class Lounge, Mumbai T2",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
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    {
      "cardKey": "au-paytm",
      "cardName": "Paytm AU Credit Card",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
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      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
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    {
      "cardKey": "icici-adani-platinum",
      "cardName": "Adani One ICICI Bank Platinum Credit Card",
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      "announced": "2026-04-10",
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      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated behind Rs 75,000/quarter spend",
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      "after": "Requires Rs 75,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/platinum-card",
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    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
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      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy brand-voucher earning capped at 3,000 RP/mo",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/v2/diners_black_metal/home",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
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      "cardKey": "sbi-phonepe-purple",
      "cardName": "PhonePe SBI Card PURPLE",
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      "announced": "2026-06-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward caps cut and new exclusions added",
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      "after": "PhonePe 750 RP/month (250 insurance sub-cap); online 750 RP/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/PhonePe-Purple-pdf-27Apr2026.pdf",
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    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
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      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
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      "cardKey": "au-tejas",
      "cardName": "AU Tejas Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
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      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
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    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-cs",
      "cardName": "AU CS Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-cs",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-ananta",
      "cardName": "AU Ananta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ananta",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-traverse",
      "cardName": "AU Traverse Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-traverse",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "idfc-swyp",
      "cardName": "IDFC FIRST SWYP Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "milestone",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Education added to special-category milestones, ₹40k tier added",
      "before": "FASTag + railway only; ₹20,000 → 400 points",
      "after": "Education added; ₹20,000 → 400 points, ₹40,000 → 800 points",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-SWYP-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-swyp",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "cheq-au",
      "cardName": "CheQ AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
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      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/cheq-au",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-instapay",
      "cardName": "AU InstaPay Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-instapay",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-prathama",
      "cardName": "AU Prathama Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-prathama",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-nomo",
      "cardName": "AU NOMO Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-nomo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-ca",
      "cardName": "AU CA Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ca",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-kosmo",
      "cardName": "AU Kosmo Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-kosmo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-laksya",
      "cardName": "AU Laksya Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-laksya",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-zenith-plus",
      "cardName": "AU Zenith Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith-plus",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-zenith",
      "cardName": "AU Zenith Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "icici-adani-signature",
      "cardName": "Adani One ICICI Bank Signature Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-07-01",
      "announced": "2026-04-10",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Airport lounge access gated behind ₹75,000/quarter spend",
      "before": "Complimentary, no spend requirement (4 domestic visits/quarter)",
      "after": "₹75,000/quarter spend required",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-signature",
      "noticeId": null,
      "actId": "icici-2026-07-01-airport-lounge-access-gated-behind-75-000"
    },
    {
      "cardKey": "au-altura",
      "cardName": "AU Altura Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy brand-voucher earning capped at 3,000 RP/mo",
      "before": "Full 15,000 RP/mo via vouchers",
      "after": "3,000 RP/mo via Brand Vouchers",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/infinia",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2026-07-01-smartbuy-brand-voucher-earning-capped"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Magnus issued lifetime-free to new Burgundy Salary customers",
      "before": "₹12,500 joining + ₹12,500 annual, no salaried carve-out",
      "after": "Nil joining + nil annual for Burgundy Salary onboardings, but no welcome benefit",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-flipkart",
      "cardName": "Flipkart SBI Card",
      "issuer": "SBI Card",
      "date": "2026-06-30",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Flipkart-App acquisition offers ended",
      "before": "₹250 e-gift voucher + ₹500 Flipkart e-gift card + ₹500 Cleartrip coupon (Flipkart App applications)",
      "after": "₹250 e-gift voucher only",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/cards/Detailed-TCs-Rs1000.docx.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-indigo",
      "cardName": "IndiGo IDFC FIRST Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "BluChip earning capped at the credit limit per billing cycle",
      "before": "All eligible spend earned BluChips",
      "after": "Only spend up to the assigned credit limit per cycle earns",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/IndiGo-IDFC-FIRST-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-indigo",
      "noticeId": null,
      "actId": "idfc-2026-06-18-cashback-capped-at-your-credit-limit-per"
    },
    {
      "cardKey": "idfc-diamond-reserve",
      "cardName": "IDFC FIRST Diamond Reserve Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Earning capped at the credit limit per billing cycle",
      "before": "All eligible spend earned points",
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    {
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      "cardKey": "idfc-earn",
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    {
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    {
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      "announced": "2026-05-13",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
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      "verificationTier": "official",
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    {
      "cardKey": "idfc-swyp",
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    {
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      "direction": "devaluation",
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      "direction": "devaluation",
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      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
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      "direction": "devaluation",
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      "direction": "devaluation",
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      "cardKey": "yes-private",
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      "cardKey": "yes-private",
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      "direction": "devaluation",
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    {
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      "verificationTier": "official",
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    {
      "cardKey": "indusind-epay-amex",
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      "direction": "devaluation",
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      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
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    {
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      "direction": "devaluation",
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    {
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      "direction": "devaluation",
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      "cardKey": "yes-marquee",
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    {
      "cardKey": "yes-marquee",
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      "title": "Cash-advance, auto-debit-failure and cash-deposit charges raised",
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      "confidence": "high",
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    {
      "cardKey": "yes-marquee",
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    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
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      "verificationTier": "official",
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    {
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      "verificationTier": "official",
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    {
      "cardKey": "au-tejas",
      "cardName": "AU Tejas Credit Card",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "au-vetta",
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      "issuer": "AU Small Finance Bank",
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      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "au-cs",
      "cardName": "AU CS Credit Card",
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      "title": "New 1% fair-usage charge on transportation spends",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
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      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
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    {
      "cardKey": "au-ananta",
      "cardName": "AU Ananta Credit Card",
      "issuer": "AU Small Finance Bank",
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      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ananta",
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    {
      "cardKey": "au-traverse",
      "cardName": "AU Traverse Credit Card",
      "issuer": "AU Small Finance Bank",
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      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "cheq-au",
      "cardName": "CheQ AU Credit Card",
      "issuer": "AU Small Finance Bank",
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      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "au-xcite-ace",
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      "issuer": "AU Small Finance Bank",
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      "magnitude": "minor",
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      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
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      "magnitude": "minor",
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      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
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    },
    {
      "cardKey": "au-instapay",
      "cardName": "AU InstaPay Credit Card",
      "issuer": "AU Small Finance Bank",
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      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-instapay",
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    {
      "cardKey": "au-prathama",
      "cardName": "AU Prathama Credit Card",
      "issuer": "AU Small Finance Bank",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "au-nomo",
      "cardName": "AU NOMO Credit Card",
      "issuer": "AU Small Finance Bank",
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      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "au-ca",
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      "issuer": "AU Small Finance Bank",
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      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ca",
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    },
    {
      "cardKey": "au-altura-plus",
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      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
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    },
    {
      "cardKey": "au-kosmo",
      "cardName": "AU Kosmo Credit Card",
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      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-kosmo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-laksya",
      "cardName": "AU Laksya Credit Card",
      "issuer": "AU Small Finance Bank",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-laksya",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-zenith-plus",
      "cardName": "AU Zenith Plus Credit Card",
      "issuer": "AU Small Finance Bank",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith-plus",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-zenith",
      "cardName": "AU Zenith Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith",
      "noticeId": "au-2026-fair-usage",
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    },
    {
      "cardKey": "au-altura",
      "cardName": "AU Altura Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
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      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "yes-private",
      "cardName": "YES Private Credit Card",
      "issuer": "YES Bank",
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      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated, and free on this card",
      "before": "Withdrawn since 1 May 2025 - spends above the sanctioned limit were declined",
      "after": "Available again, with the 550 rupee charge waived on YES Private",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-private",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
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      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Everyday UPI / base earning made uncapped",
      "before": "Capped ~₹1,000-worth of Jewels/month",
      "after": "Uncapped — 5 Jewels/₹100 on unlimited UPI & other spend",
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      "cardKey": "hdfc-pixel-play",
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      "title": "Insurance CashPoints cap tightened from per-day to per-month",
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      "verificationTier": "official",
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    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "The 1% base rate stops being unlimited — capped at 15,000 CashPoints a month",
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      "verificationTier": "official",
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      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
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      "announced": "2026-04-03",
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      "direction": "devaluation",
      "magnitude": "major",
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      "noticeId": null,
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    {
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    {
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      "magnitude": "major",
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      "verificationTier": "official",
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    {
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      "status": null,
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      "cardName": "Axis Bank Airtel Credit Card",
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      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
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      "after": "10% value-back on Zomato, Blinkit & District Movies (to partner wallet), ₹200/partner/month, ₹499 min order",
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      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf?sfvrsn=9deed8c1_5",
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      "actId": "axis-2026-04-12-10-partners-switched-to-zomato-blinkit"
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    {
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    {
      "cardKey": "axis-airtel",
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      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf?sfvrsn=9deed8c1_5",
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    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
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      "announced": null,
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      "magnitude": "minor",
      "status": "superseded",
      "title": "Limited-edition FIFA World Cup 2026 design variant added",
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      "cardName": "AU Bank Xcite Credit Card",
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      "direction": "devaluation",
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      "status": null,
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      "direction": "devaluation",
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    {
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
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      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
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      "cardKey": "au-xcite-ultra",
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      "direction": "devaluation",
      "magnitude": "minor",
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    {
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      "issuer": "AU Small Finance Bank",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "Transportation spends stop earning rewards",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
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      "cardKey": "au-traverse",
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      "issuer": "AU Small Finance Bank",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
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      "after": "11 transportation MCCs excluded from reward earning",
      "confidence": "high",
      "verificationTier": "research",
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    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
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      "verificationTier": "official",
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    {
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      "issuer": "AU Small Finance Bank",
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      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning cashback",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
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    {
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      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
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      "verificationTier": "official",
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    {
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      "direction": "devaluation",
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      "status": null,
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
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      "cardName": "AU NOMO Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
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      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
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      "issuer": "AU Small Finance Bank",
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      "direction": "devaluation",
      "magnitude": "minor",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/altura-plus-credit-card",
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      "announced": null,
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      "direction": "devaluation",
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      "verificationTier": "research",
      "verificationUrl": null,
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      "cardKey": "au-zenith-plus",
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      "issuer": "AU Small Finance Bank",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
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      "confidence": "high",
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      "verificationUrl": "https://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith-plus",
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      "issuer": "AU Small Finance Bank",
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      "direction": "devaluation",
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      "status": null,
      "title": "Transportation spends stop earning rewards",
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      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
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    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
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      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
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      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE transfer partners culled — Burgundy Private alone keeps 5:4 ratio",
      "before": "Accor Live Limitless, Marriott Bonvoy, Qatar Airways Privilege Club at 5:4",
      "after": "British Airways, Finnair, Vietnam Airlines Lotusmiles at 5:4 (ratio retained, partners downgraded)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
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    {
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      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE Reward Points transfer-partner roster culled",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE Reward Points transfer-partner roster culled",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Accor, Marriott and Qatar removed as transfer partners",
      "before": "Accor, Marriott Bonvoy and Qatar Airways transferable 1:1",
      "after": "All three removed; replacement partners (British Airways, Finnair, Vietnam Airlines) added at 2:1",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Accor, Marriott and Qatar removed as transfer partners",
      "before": "Accor / Marriott / Qatar available; Atlas transfers 1:2",
      "after": "Those three removed; British Airways, Finnair, Vietnam Airlines added at 2:1 for Atlas",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/miles-transfer/",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "EDGE Miles transfer cull halves the Avios ratio",
      "before": "1 EDGE Mile : 4 Avios",
      "after": "1 EDGE Mile : 2 Avios",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE Reward Points transfer-partner roster culled",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Remaining milestone benefits discontinued",
      "before": "Annual ₹15L milestone (25,000 EDGE Reward Points)",
      "after": "Milestones discontinued",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-card-tnc/terms-and-conditions-for-magnus-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2026-04-02-remaining-milestone-benefits-discontinued"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Transfer program gutted — Accor, Marriott and Qatar removed",
      "before": "Accor, Marriott and Qatar Airways in the partner set at 5:2",
      "after": "All three removed; BA, Finnair and Lotusmiles added at 5:1",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/miles-transfer/",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "sbi-landmark-prime",
      "cardName": "Landmark Rewards SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped, any amount",
      "after": "Max 60,000 pts/month, in 4,000-pt multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-prime",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-doctors",
      "cardName": "Doctor's SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "sbi-shaurya-select",
      "cardName": "Shaurya Select SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya-select",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "indusind-pioneer-legacy",
      "cardName": "IndusInd Bank Pioneer Legacy Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access becomes spend-gated at ₹1.5 lakh a quarter",
      "before": "Complimentary domestic visits, no spend condition",
      "after": "₹1.5 lakh previous-quarter spend to unlock each domestic visit",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/current-account/Revision-in-PIONEER-program-benefitsandcharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-legacy",
      "noticeId": null,
      "actId": "indusind-2026-04-01-lounge-spend-gate-150k"
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary movie discount",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
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    {
      "cardKey": "sbi-simply-save",
      "cardName": "SBI SimplySAVE Credit Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped and forced into 4,000-point blocks",
      "before": "Any point balance, no monthly ceiling",
      "after": "Max 60,000 points/month, only in multiples of 4,000 (₹1,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-save",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-irctc",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
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    {
      "cardKey": "icici-adani-platinum",
      "cardName": "Adani One ICICI Bank Platinum Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Movie discount available unconditionally",
      "after": "Requires Rs 25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/platinum-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-platinum",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
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    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary movie benefit",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/expressions-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
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    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Ungated — 25% off up to ₹100 on BookMyShow and INOX, twice a month",
      "after": "Same discount, but requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
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    {
      "cardKey": "kotak-white",
      "cardName": "Kotak White Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Lounge access spend-gated at ₹1,00,000 a quarter",
      "before": "2 complimentary airport lounge visits a quarter, unconditional",
      "after": "₹1,00,000 spend in a calendar quarter unlocks 2 visits the next quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://images.kotak.bank.in/bank/mailers/2026/files/WhiteFees&Charges.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-white",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-white",
      "cardName": "Kotak White Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transportation & education dropped from White Pass milestone maths",
      "before": "Transportation and education spends counted toward White Pass milestones",
      "after": "Both categories excluded from the milestone calculation",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://images.kotak.bank.in/bank/mailers/2026/files/WhiteFees&Charges.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-white",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Unlimited domestic lounge access gated behind ₹1.5L quarterly spend",
      "before": "Unlimited domestic lounge access, unconditional",
      "after": "Unlimited — but only if ₹1,50,000 spent in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Lounge-Terms-and-Conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2026-04-01-lounge-spend-gate-150k"
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    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-01",
      "announced": "2026-03-11",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SonyLIV renewal milestone replaced by 1,000 EDGE points",
      "before": "SonyLIV Premium renewal (~₹1,499)",
      "after": "1,000 EDGE points (~₹200)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-myzone-credit-card.pdf?sfvrsn=6b8ed8a4_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": "axis-2026-04-01-sonyliv-renewal-milestone-replaced-by-1-000"
    },
    {
      "cardKey": "sbi-titan",
      "cardName": "Titan SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-titan",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-cashback",
      "cardName": "SBI Cashback Credit Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-03-02",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Second devaluation — ₹4,000 combined cap, sub-caps and new exclusions",
      "before": "₹5,000/cycle combined cap",
      "after": "₹2,000 online + ₹2,000 offline = ₹4,000/cycle; 5% stops at ₹40,000 online",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-cashback",
      "noticeId": null,
      "actId": "sbi-2026-04-01-second-devaluation-4-000-combined-cap-sub"
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Unrestricted RP redemption to statement credit",
      "after": "Max 60,000 RP/month, in 4,000-point multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary",
      "after": "Requires ₹25,000 spend in previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "sbi-doctors-ima",
      "cardName": "Doctor's SBI Card (in Association with IMA)",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors-ima",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-landmark",
      "cardName": "Landmark Rewards SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped, any amount",
      "after": "Max 60,000 pts/month, in 4,000-pt multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "idfc-hello-cashback",
      "cardName": "IDFC FIRST Hello Cashback Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-04",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Zero-joining-fee introductory offer extended to 31 August 2026",
      "before": "₹0 intro offer, originally slated to end 31 March 2026",
      "after": "₹0 intro offer extended — now valid till 31 August 2026 (standing fee ₹1,000)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/credit-card/hello-cashback-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hello-cashback",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Complimentary lounge visits halved",
      "before": "2 domestic + 2 international per quarter",
      "after": "1 domestic + 1 international per quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-landmark-select",
      "cardName": "Landmark Rewards SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped, any amount",
      "after": "Max 60,000 pts/month, in 4,000-pt multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-select",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge access gated behind ₹1.5L quarterly spend",
      "before": "1 complimentary domestic visit per quarter, unconditional",
      "after": "1 per quarter — only if ₹1,50,000 spent in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Lounge-Terms-and-Conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2026-04-01-lounge-spend-gate-150k"
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Metal card replaced with plastic",
      "before": "Metal card",
      "after": "Plastic card (features unchanged)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/current-account/Revision-in-PIONEER-program-benefitsandcharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-unnati",
      "cardName": "SBI Card Unnati",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-unnati",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-shaurya",
      "cardName": "Shaurya SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-cashback",
      "cardName": "BOBCARD Cashback Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cashback",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-04-01",
      "announced": "2025-12-18",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic airport lounge halved to 1/quarter",
      "before": "2 per quarter",
      "after": "1 per quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-aurum",
      "cardName": "SBI Card AURUM",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped, any amount",
      "after": "≤60,000 pts/month, in 4,000-pt multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-aurum",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary buy-one-get-one, twice a month",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-adani-signature",
      "cardName": "Adani One ICICI Bank Signature Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary buy-one-get movie offer, twice a month",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/signature-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-signature",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "eligibility",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Retention tightened — ₹18L spend or ₹50L relationship",
      "before": "₹10L annual spend to retain/waive",
      "after": "₹18L spend OR ₹50L relationship value",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2026-04-01-retention-tightened-18l-spend-or-50l"
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
      "date": "2026-03-21",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Shopping 10% category re-capped and gift cards / bills / groceries excluded",
      "before": "₹1,500/month, ₹500/merchant; broad category",
      "after": "₹2,000/month, ₹600/merchant, ₹200/txn; exclusions added",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/jupiter-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-marriott-bonvoy",
      "cardName": "Marriott Bonvoy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-03-12",
      "announced": null,
      "type": "redemption",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Free Night Award top-up limit raised to 25,000 points",
      "before": "Top up a Free Night certificate with up to 15,000 points",
      "after": "Top up a Free Night certificate with up to 25,000 points",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-marriott-bonvoy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-blck",
      "cardName": "Swiggy BLCK HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-03-12",
      "announced": "2026-03-07",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Swiggy BLCK launched as the premium tier of the split Swiggy HDFC card",
      "before": "Single Swiggy HDFC Bank Credit Card (₹500)",
      "after": "Swiggy BLCK (₹1,000, premium) + Swiggy Ornge (₹500, entry)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/swiggy-blck-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-blck",
      "noticeId": null,
      "actId": "hdfc-2026-03-12-swiggy-blck-launched-as-the-premium-tier-of"
    },
    {
      "cardKey": "hdfc-swiggy-orange",
      "cardName": "Swiggy Ornge HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-03-12",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Swiggy Ornge HDFC Bank Credit Card launched (Swiggy card split into Ornge + BLCK)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
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      "verificationTier": "research",
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      "verificationTier": "official",
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    {
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      "magnitude": "major",
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      "verificationTier": "official",
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      "verificationTier": "official",
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    {
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      "direction": "devaluation",
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      "verificationTier": "official",
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    {
      "cardKey": "idfc-lic-select",
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      "verificationTier": "official",
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    {
      "cardKey": "idfc-lic-select",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "idfc-digital-rupay",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "idfc-select",
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      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Select-Credit-Card.pdf",
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    {
      "cardKey": "idfc-select",
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      "direction": "revaluation",
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      "verificationTier": "official",
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    {
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      "cardKey": "idfc-ashva",
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      "verificationTier": "research",
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      "direction": "revaluation",
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      "verificationTier": "official",
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    {
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      "magnitude": "minor",
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      "verificationTier": "official",
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    {
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      "verificationTier": "official",
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      "cardKey": "idfc-millennia",
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      "verificationTier": "research",
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      "cardKey": "au-cs",
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      "magnitude": "major",
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      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
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      "title": "Gyftr voucher cut (5X→3X) announced, then reversed",
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      "verificationTier": "research",
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      "cardKey": "icici-mmt",
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      "verificationTier": "official",
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    {
      "cardKey": "icici-amazon-pay",
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      "confidence": "high",
      "verificationTier": "official",
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      "cardKey": "icici-emirates-rubyx",
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      "magnitude": "major",
      "status": "active",
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      "confidence": "high",
      "verificationTier": "official",
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      "verificationTier": "official",
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    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
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      "magnitude": "major",
      "status": "active",
      "title": "Government, fuel, rent, tax and wallet spends stripped of rewards",
      "before": "Points earned on most retail spends",
      "after": "Government, fuel, rent, property, tax & third-party wallet spends earn no points",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New card and transaction fees introduced",
      "before": "No add-on-card fee; standard transaction charges",
      "after": "₹3,500 one-time add-on (Plus) card fee; revised wallet/gaming/DCC charges",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-platinum",
      "cardName": "ICICI Bank Platinum Chip Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New transaction fees on gaming, wallet loads and DCC",
      "before": "No gaming/wallet-load surcharges",
      "after": "Gaming 2%; wallet loads 1% over ₹5k/mo; DCC 0.99–3.50%",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-platinum",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New ₹3,500 one-time fee on add-on (Plus) cards",
      "before": "Add-on cards issued free",
      "after": "₹3,500 + GST, one-time, per supplementary card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Rent, fuel, tax, government & wallet spends stripped of rewards",
      "before": "Broad earning; ₹-denominated category caps",
      "after": "6 categories excluded; hard point caps (1,000–5,000 RP/cycle)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary",
      "after": "Requires ₹25,000 spend in previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": "icici-2026-01-15-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel, rent and wallet loads stripped of rewards",
      "before": "Fuel still earned reward points",
      "after": "Fuel, rent, cash and third-party wallet loads earn nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-adani-platinum",
      "cardName": "Adani One ICICI Bank Platinum Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and currency-conversion transaction fees",
      "before": "No wallet-load / gaming / DCC surcharge",
      "after": "Wallet-load, gaming and DCC fees added",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-platinum",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and transport transaction fees",
      "before": "No dedicated wallet/gaming/transport fee; standard forex markup",
      "after": "New wallet, gaming and transport fees; DCC markup ~1% added",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Third-party wallet loads stripped of rewards",
      "before": "Third-party wallet loads earned points",
      "after": "Third-party wallet loads (MCC 6540) excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-emirates-emeralde",
      "cardName": "Emirates Skywards ICICI Bank Emeralde Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary movie benefit",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-emeralde",
      "noticeId": null,
      "actId": "icici-2026-01-15-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-emirates-emeralde",
      "cardName": "Emirates Skywards ICICI Bank Emeralde Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Miles earn rate cut and categories excluded from earning",
      "before": "2.5 Miles/₹100; insurance/utility/government/education earned",
      "after": "2 Miles/₹100; insurance/utility/government/education excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-emeralde",
      "noticeId": null,
      "actId": "icici-2026-01-15-emirates-skywards-devaluation"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel, rent and wallet loads stripped of rewards; government re-bucketed into utilities",
      "before": "Wider earning base; government spend earned at the 2 RP/₹100 retail rate",
      "after": "Fuel, rent & third-party wallet loads excluded; government billed as utilities at 1 RP/₹100",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
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    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and transport transaction fees",
      "before": "No such fees",
      "after": "1% wallet loads >₹5k/mo; 2% online gaming; 1% transport >₹50k/mo",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel, rent and wallet loads stripped of rewards; government re-bucketed into utilities",
      "before": "Wider earning base; government spend earned at the 2 RP/₹100 retail rate",
      "after": "Fuel, rent & third-party wallet loads excluded; government billed as utilities at 1 RP/₹100",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
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    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and transport transaction fees",
      "before": "No such fees",
      "after": "1% wallet loads >₹5k/mo; 2% online gaming; 1% transport >₹50k/mo",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
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      "actId": "icici-2026-01-15-transaction-fees"
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    {
      "cardKey": "icici-emirates-sapphiro",
      "cardName": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary BookMyShow offer",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
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      "actId": "icici-2026-01-15-bookmyshow-movie-benefit-becomes-spend-gated"
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    {
      "cardKey": "icici-emirates-sapphiro",
      "cardName": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Miles earn rate cut to 1.5/₹100 and categories dropped",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
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    {
      "cardKey": "icici-emirates-sapphiro",
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      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and transport transaction fees",
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      "after": "1% wallet-load (>₹5,000), 2% gaming, 1% high-value transport; revised DCC",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
      "noticeId": null,
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    {
      "cardKey": "icici-adani-signature",
      "cardName": "Adani One ICICI Bank Signature Credit Card",
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      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and DCC transaction fees",
      "before": "No wallet-load / gaming / DCC surcharge",
      "after": "Wallet-load, gaming and ~1% dynamic-currency-conversion fees apply",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-signature",
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      "actId": "icici-2026-01-15-transaction-fees"
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    {
      "cardKey": "sbi-landmark-prime",
      "cardName": "Landmark Rewards SBI Card PRIME",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic lounge access narrowed to a published lounge list",
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      "after": "Only SBI's published participating-lounge list (~30 lounges)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-prime",
      "noticeId": null,
      "actId": "sbi-2026-01-10-domestic-lounge-access-narrowed-to-a"
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    {
      "cardKey": "sbi-pulse",
      "cardName": "SBI Card PULSE",
      "issuer": "SBI Card",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge visits halved",
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      "after": "4 per year (max 1 per quarter)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-pulse",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "federal-celesta",
      "cardName": "Federal Bank Celesta Credit Card",
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      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge repriced to an Average-Monthly-Balance-linked rate",
      "before": "Flat slab APR by revolving balance",
      "after": "AMB-linked: 45% p.a. with no Federal AMB, down to lower tiers as balance rises",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.federal.bank.in/revised-credit-card-charges",
      "cardUrl": "https://cardadvisor.in/cards/federal-celesta",
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    {
      "cardKey": "federal-imperio",
      "cardName": "Federal Bank Imperio Credit Card",
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      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Interest rate repriced to an Average-Monthly-Balance-linked scale",
      "before": "Flat card APR",
      "after": "AMB-linked: 45% p.a. under ₹50,000 balance down to 8.28% p.a. above ₹10,00,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.federal.bank.in/revised-credit-card-charges",
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      "noticeId": null,
      "actId": "federal-2026-01-10-finance-charge-repriced-to-an-average"
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    {
      "cardKey": "sbi-titan",
      "cardName": "Titan SBI Card",
      "issuer": "SBI Card",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic lounge access narrowed to a published lounge list",
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      "after": "Only SBI's published participating-lounge list (~30 lounges)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-titan",
      "noticeId": null,
      "actId": "sbi-2026-01-10-domestic-lounge-access-narrowed-to-a"
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    {
      "cardKey": "rbl-play",
      "cardName": "RBL Bank Play Credit Card",
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      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
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      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-play",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-blockbuster",
      "cardName": "RBL Bank Blockbuster Credit Card",
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      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
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      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-blockbuster",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-indianoil",
      "cardName": "RBL Bank IndianOil Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
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      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-indianoil",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
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      "verificationTier": "official",
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    {
      "cardKey": "indusind-eazydiner",
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    {
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      "cardKey": "kotak-indigo-premium",
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      "verificationTier": "official",
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      "direction": "devaluation",
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      "confidence": "high",
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      "cardKey": "hdfc-phonepe-uno",
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    {
      "cardKey": "hdfc-phonepe-ultimo",
      "cardName": "PhonePe HDFC Bank Ultimo Credit Card",
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      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
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    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
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      "announced": null,
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      "magnitude": "minor",
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      "title": "District movie BOGO added; BigBasket offer standardised",
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      "noticeId": null,
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    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
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      "direction": "neutral",
      "magnitude": "minor",
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      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": null,
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    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
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      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
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      "before": "Excluded spends identified by 4-digit Merchant Category Code",
      "after": "Same spends identified by named spend category",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-freecharge-final.pdf?sfvrsn=5c2fbc53_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
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    {
      "cardKey": "axis-fibe",
      "cardName": "Fibe Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-fibe-credit-card.pdf?sfvrsn=c1a0777c_1",
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    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Exclusion identification switched from MCC codes to spend category",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-axis-bank-freecharge-plus-credit-card.pdf?sfvrsn=11092abb_1",
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    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
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      "announced": null,
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      "magnitude": "minor",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "major",
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      "title": "Complimentary domestic lounge access withdrawn",
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      "confidence": "high",
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      "verificationUrl": "https://www.axisbank.com/retail/cards/credit-card/flipkart-axisbank-credit-card",
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    {
      "cardKey": "axis-flipkart",
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      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/cashback-tncs---final.pdf/1000",
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    {
      "cardKey": "axis-flipkart",
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      "magnitude": "minor",
      "status": "active",
      "title": "Welcome Flipkart voucher halved from ₹500 to ₹250",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
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      "type": "benefit",
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      "magnitude": "major",
      "status": null,
      "title": "Edge+ successor launched with a richer 10% / 5% / 1% reward stack",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.csb.bank.in/csb-bank-edge-credit-card",
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    {
      "cardKey": "scapia-federal",
      "cardName": "Scapia Credit Card",
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      "announced": null,
      "type": "network",
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      "magnitude": "major",
      "status": null,
      "title": "RuPay UPI dual-network variant added",
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      "confidence": "high",
      "verificationTier": "official",
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      "cardKey": "amex-gold",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "hdfc-tata-neu-infinity",
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      "verificationTier": "official",
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      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access moved to spend milestone",
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      "verificationTier": "official",
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      "cardKey": "kiwi",
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      "verificationTier": "official",
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    {
      "cardKey": "kiwi",
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      "verificationTier": "official",
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      "cardName": "Kotak 811 #DreamDifferent Credit Card",
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      "magnitude": "minor",
      "status": "active",
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      "direction": "revaluation",
      "magnitude": "minor",
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      "confidence": "high",
      "verificationTier": "official",
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      "verificationTier": "official",
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      "status": "active",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "major",
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      "verificationTier": "official",
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      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Categories excluded and capped from reward earning",
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      "confidence": "high",
      "verificationTier": "official",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access spend-gated at ₹75,000/quarter",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
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    {
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      "announced": "2024-10-30",
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      "verificationTier": "research",
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    {
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      "cardKey": "au-ixigo",
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      "confidence": "high",
      "verificationTier": "research",
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      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
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    {
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      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
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      "cardKey": "indusind-nexxt",
      "cardName": "IndusInd Bank Nexxt Credit Card",
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      "noticeId": null,
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    {
      "cardKey": "sbi-simply-click",
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      "announced": null,
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      "direction": "devaluation",
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      "status": null,
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      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-click",
      "noticeId": null,
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    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
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      "announced": null,
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      "direction": "devaluation",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
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    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
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      "announced": null,
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      "direction": "revaluation",
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      "status": "active",
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      "verificationTier": "official",
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      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
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      "announced": null,
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      "direction": "revaluation",
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      "status": "active",
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      "verificationTier": "official",
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      "actId": null
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    {
      "cardKey": "indusind-avios",
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      "status": "active",
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      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/avios-visa-infinite-credit-card.html",
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      "noticeId": null,
      "actId": null
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    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
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      "confidence": "high",
      "verificationTier": "research",
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      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
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    {
      "cardKey": "yes-marquee",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "major",
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      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
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      "actId": "yes-2025-04-01-lounge-spend-gates-raised"
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    {
      "cardKey": "au-lit",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
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      "confidence": "reconstructed",
      "verificationTier": "research",
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    {
      "cardKey": "au-lit",
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      "magnitude": "minor",
      "status": null,
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      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
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    {
      "cardKey": "au-lit",
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      "magnitude": "minor",
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      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
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    {
      "cardKey": "au-lit",
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      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
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    {
      "cardKey": "indusind-pinnacle",
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    {
      "cardKey": "indusind-pinnacle",
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      "verificationTier": "official",
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      "cardKey": "indusind-legend",
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      "confidence": "high",
      "verificationTier": "research",
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      "cardKey": "amex-platinum-travel",
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      "confidence": "reconstructed",
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      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
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      "cardKey": "amex-gold",
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      "cardUrl": "https://cardadvisor.in/cards/amex-gold",
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      "cardKey": "sc-digismart",
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      "confidence": "high",
      "verificationTier": "research",
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      "verificationTier": "official",
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      "magnitude": "major",
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      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "InterMiles redemption route discontinued",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "indusind-indulge",
      "cardName": "IndusInd Bank Indulge Credit Card",
      "issuer": "IndusInd Bank",
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      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "InterMiles redemption route discontinued",
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      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-indulge",
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    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
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      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "InterMiles redemption route discontinued",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html",
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    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
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      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
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      "title": "InterMiles redemption route discontinued",
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      "verificationTier": "official",
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    {
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      "cardKey": "idfc-earn",
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    {
      "cardKey": "onecard",
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      "confidence": "reconstructed",
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    {
      "cardKey": "bob-snapdeal",
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    {
      "cardKey": "bob-snapdeal",
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      "verificationTier": "official",
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    {
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      "cardKey": "uni-goldx",
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      "cardKey": "roarbank",
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    {
      "cardKey": "bob-hpcl-energie",
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      "verificationTier": "official",
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    {
      "cardKey": "bob-icai-exclusive",
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      "verificationTier": "official",
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    {
      "cardKey": "bob-icai-exclusive",
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      "direction": "devaluation",
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      "confidence": "high",
      "verificationTier": "official",
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      "cardKey": "bob-premier",
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      "verificationTier": "official",
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    {
      "cardKey": "bob-premier",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "verificationTier": "research",
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      "status": "active",
      "title": "Core reward points removed on wallet-load spends",
      "before": "Core points on wallet loads",
      "after": "No points on wallet-load MCCs (6539–6542)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2025-01-01-reward-points-removed-on-wallet-load-spends"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated to a quarterly spend",
      "before": "12 visits a year (3 per quarter), no spend condition",
      "after": "12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Per-cycle cap on UPI reward points removed",
      "before": "500 reward points per statement cycle on UPI",
      "after": "Uncapped reward points on UPI spends",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2025-01-01-upi-reward-point-cap-removed"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet, high-value utility and fuel spends",
      "before": "No processing fee on these spends",
      "after": "1% on wallet loads; 1% (max ₹3,000) on utility ≥₹50,000; 1% on fuel ≥₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated to ₹40,000 quarterly spend",
      "before": "12 visits a year (3 per quarter), unconditional",
      "after": "12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding calendar quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees introduced on wallet-load, high-value utility and fuel spends",
      "before": "No processing fee on wallet loads, utility or fuel spends",
      "after": "1% on wallet loads; 1% (max ₹3,000) on utility spends ≥₹50,000; 1% on fuel spends ≥₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points removed on wallet-load transactions",
      "before": "Core reward points earned on wallet loads",
      "after": "No reward points on wallet-load MCCs (6539–6542)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": "bob-2025-01-01-reward-points-removed-on-wallet-load-spends"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet-load, utility and large fuel spends",
      "before": "No processing fee on wallet loads, utility or fuel",
      "after": "1% wallet loads; 1% utility ≥₹50,000; 1% fuel ≥₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points removed on wallet-load spends",
      "before": "Earned 2 RP per ₹100",
      "after": "No reward points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2025-01-01-reward-points-removed-on-wallet-load-spends"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "UPI reward-point cap removed",
      "before": "Max 500 RP per statement cycle on UPI",
      "after": "Unlimited RP on UPI",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2025-01-01-upi-reward-point-cap-removed"
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2025",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "superseded",
      "title": "Club Vistara Silver & Trident Privilege memberships discontinued",
      "before": "Complimentary Club Vistara Silver + Trident Privilege Red memberships",
      "after": "Both memberships withdrawn",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": "sbi-2025-club-vistara-silver-trident-privilege"
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2025",
      "announced": null,
      "type": "eligibility",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New applications paused; buyers directed to the Signature",
      "before": "Open to new applications",
      "after": "Apply flow paused; Axis redirects prospects to Samsung Axis Bank Signature",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Golf benefit discontinued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2025-01-01-golf-benefit-discontinued"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access gated to ₹40,000/quarter spend",
      "before": "Unlimited, unconditional",
      "after": "₹40,000 spend in prior quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Processing fees added on wallet-load and utility spends",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Gold status withdrawn",
      "before": "Complimentary Qatar Gold status fast-track",
      "after": "No complimentary tier status",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-elite",
      "cardName": "SBI Card ELITE",
      "issuer": "SBI Card",
      "date": "2025",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "superseded",
      "title": "Club Vistara Silver & Trident Privilege memberships discontinued",
      "before": "Complimentary Club Vistara Silver + Trident Privilege Red memberships",
      "after": "Both memberships withdrawn",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-elite",
      "noticeId": null,
      "actId": "sbi-2025-club-vistara-silver-trident-privilege"
    },
    {
      "cardKey": "sbi-irctc-premier",
      "cardName": "IRCTC SBI Card Premier",
      "issuer": "SBI Card",
      "date": "2024-12-26",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Value-back now credited on the complete booking",
      "before": "Cardholder's fare only",
      "after": "Complete booking",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/IRCTCPremiertnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-premier",
      "noticeId": null,
      "actId": "sbi-2024-12-26-value-back-now-credited-on-the-complete"
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2024-12-26",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Value-back now credited on the complete booking",
      "before": "Cardholder's fare only",
      "after": "Complete booking",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2024-12-26-value-back-now-credited-on-the-complete"
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-12-22",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "International spend, rent, education, government and BBPS stop earning rewards",
      "before": "Reward points earned across general spend categories, including international transactions",
      "after": "Nil reward points on international spend, rent (MCC 6513), education/government MCCs, and BBPS bill payments",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision — finance charge standardized, new fees added",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide ancillary fee revision — Burgundy Private exempt from most of it",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
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    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Finance charge held at 1.50%/month, not swept into the portfolio standardization",
      "before": "1.50%/month (19.56% p.a.)",
      "after": "1.50%/month — unchanged, against a far higher portfolio standard",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": "axis-2024-12-20-finance-charge-held-at-1-50-month-not-swept"
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    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-miles-more",
      "cardName": "Miles & More Axis Bank World Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision raises ancillary fees and standardises finance charge",
      "before": "Pre-revision Axis charge schedule",
      "after": "Finance charge standardised to 3.75%/month; higher DCC, cash-payment and rent-surcharge fees; new penalty and threshold fees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
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    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-spicejet-voyage",
      "cardName": "SpiceJet Axis Bank Voyage Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision raises ancillary fees",
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      "after": "Finance charge standardised to 3.75%/month; DCC markup 1.5%; branch cash payment ₹175; rent surcharge 1% uncapped; new auto-debit-reversal and minimum-due penalty fees",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Ancillary charges revised across the portfolio",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — ancillary fees raised, finance charge standardised",
      "before": "3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 — the ₹99 EDGE redemption and ₹199 partner-conversion fees do NOT apply to this card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-miles-more-select",
      "cardName": "Miles & More Axis Bank World Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision: DCC markup raised, new surcharges added",
      "before": "1% dynamic currency conversion markup; ₹100 cash payment at branch; 1% rent surcharge capped ₹1,500/txn; no wallet/fuel/utility spend surcharge",
      "after": "1.5% dynamic currency conversion markup; ₹175 cash payment at branch; 1% rent surcharge uncapped; new 1% surcharge on wallet loads >₹10,000, fuel >₹50,000, utility bills >₹25,000; new 2% (min ₹500) auto-debit reversal fee; new ₹100/month penalty for two consecutive missed minimum-due payments",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more-select",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-samsung-signature",
      "cardName": "Samsung Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision — finance charge raised, new surcharges and EDGE fees",
      "before": "~3.6%/mo finance charge; 1% DCC markup; no wallet/fuel/utility surcharge; free EDGE redemption",
      "after": "3.75%/mo finance charge; 1.5% DCC markup; 1% surcharges on high wallet/fuel/utility spends; ₹99 EDGE redemption fee, ₹199 points-to-partner conversion fee",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-signature",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-lic",
      "cardName": "LIC Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Bank-wide charges revision — finance rate standardised, new ancillary fees added",
      "before": "Pre-Dec-2024 fee schedule",
      "after": "3.75%/month finance charge; DCC markup 1% -> 1.5%; branch cash payment ₹100 -> ₹175; new fees added",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-lic",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision — finance rate standardised, new ancillary fees added",
      "before": "Pre-Dec-2024 fee schedule; no EDGE redemption fee",
      "after": "3.75%/month finance charge; DCC markup 1% -> 1.5%; new fees added",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-fibe",
      "cardName": "Fibe Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Spend surcharges introduced across the Axis portfolio",
      "before": "No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn",
      "after": "1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-fibe",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-indianoil-premium",
      "cardName": "IndianOil Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision — new ancillary fees, DCC markup raised",
      "before": "Pre-Dec-2024 fee schedule",
      "after": "3.75%/month finance charge; DCC markup 1% → 1.5%; ₹175 branch cash payment, uncapped 1% rent surcharge, and 1% fee on large wallet/fuel/utility/gaming loads — the ₹99 EDGE redemption and ₹199 partner-conversion fees do NOT apply to this card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil-premium",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision: finance charge, DCC markup and new fees raised",
      "before": "3.6%/mo finance charge; 1% DCC markup; ₹100 branch cash-payment fee; no wallet/fuel/utility spend surcharge",
      "after": "3.75%/mo finance charge; 1.5% DCC markup; ₹175 branch cash-payment fee; new 1% surcharges on high wallet-load/fuel/utility spends; new auto-debit-reversal and EDGE-linked fees",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-primus",
      "cardName": "Axis Bank Primus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Finance charge held at 1.00%/month, not swept into the portfolio standardization",
      "before": "1.00%/month (12.68% p.a.)",
      "after": "1.00%/month — unchanged, against a far higher portfolio standard",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-primus",
      "noticeId": null,
      "actId": "axis-2024-12-20-finance-charge-held-at-1-50-month-not-swept"
    },
    {
      "cardKey": "axis-cashback",
      "cardName": "Axis Bank Cashback Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision: DCC markup raised, new surcharges added",
      "before": "1% dynamic currency conversion markup; ₹100 cash payment at branch; 1% rent surcharge capped ₹1,500/txn; no wallet/fuel/utility spend surcharge",
      "after": "1.5% dynamic currency conversion markup; ₹175 cash payment at branch; 1% rent surcharge uncapped; new 1% surcharge on wallet loads >₹10,000, fuel >₹50,000, utility bills >₹25,000; new 2% (min ₹500) auto-debit reversal fee; new ₹100/month penalty for two consecutive missed minimum-due payments",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-cashback",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision — Olympus carved out of most of it",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-spicejet-voyage-black",
      "cardName": "SpiceJet Axis Bank Voyage Black Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision — new ancillary fees, DCC markup raised",
      "before": "DCC markup 1%; capped rent surcharge; no reversal fee",
      "after": "DCC markup 1.5%; uncapped 1% rent surcharge; new reversal & high-spend fees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage-black",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000; finance charge held at 3.00%/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Finance charges raised; new spend surcharges added",
      "before": "3.6%/mo APR; 1% DCC markup; no wallet/fuel/utility surcharge",
      "after": "3.75%/mo APR; 1.5% DCC markup; 1% surcharges on high wallet/fuel/utility/education/gaming spends",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/ld/soc/credit-cards/mitc-credit-cards",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-shoppers-stop",
      "cardName": "Axis Bank Shoppers Stop Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-shoppers-stop",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide ancillary fee revision — new surcharges and redemption fees",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Axis portfolio-wide charges revision",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Samsung cashback marketplace routing moved Flipkart to Amazon",
      "before": "Samsung products bought via Flipkart earned the 10% cashback",
      "after": "Samsung products on Amazon earn the 10% cashback (Flipkart dropped)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Spend surcharges introduced — 1% on utilities above ₹25,000 a cycle",
      "before": "No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn",
      "after": "1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000; finance charge held at 3.00%/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "icici-times-black",
      "cardName": "Times Black ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-12-18",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Times Black ICICI Bank Credit Card launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2024/icici-bank-and-times-internet-jointly-launch-a-super-premium-credit-card",
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    {
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      "verificationTier": "research",
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      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
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    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
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      "verificationTier": "research",
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      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
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      "cardKey": "yes-ace",
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      "verificationTier": "research",
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    {
      "cardKey": "yes-ace",
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      "verificationTier": "research",
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      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
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      "cardKey": "yes-elite-plus",
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      "verificationTier": "research",
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      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
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      "verificationTier": "research",
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    {
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      "verificationTier": "research",
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      "cardKey": "sbi-bpcl-octane",
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      "verificationTier": "official",
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      "cardKey": "zagg",
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      "type": "launch",
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      "magnitude": "major",
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      "confidence": "high",
      "verificationTier": "research",
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      "cardKey": "icici-emirates-rubyx",
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      "confidence": "high",
      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
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      "confidence": "high",
      "verificationTier": "official",
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      "status": "active",
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      "confidence": "high",
      "verificationTier": "research",
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      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
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      "magnitude": "major",
      "status": "active",
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      "confidence": "high",
      "verificationTier": "official",
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      "magnitude": "minor",
      "status": "active",
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      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
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      "status": "active",
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      "confidence": "high",
      "verificationTier": "research",
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      "confidence": "high",
      "verificationTier": "research",
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      "magnitude": "major",
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      "confidence": "high",
      "verificationTier": "official",
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      "verificationTier": "official",
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    {
      "cardKey": "icici-emirates-emeralde",
      "cardName": "Emirates Skywards ICICI Bank Emeralde Credit Card",
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      "magnitude": "minor",
      "status": "active",
      "title": "Lounge programme switches from DreamFolks to Priority Pass",
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      "confidence": "reconstructed",
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    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
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      "magnitude": "major",
      "status": "active",
      "title": "Airport lounge access gated behind ₹75,000/quarter spend",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card",
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    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
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      "status": "active",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
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      "announced": "2024-10-11",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge spend-gate more than doubled",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "icici-rubyx",
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      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward caps and category exclusions added",
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      "confidence": "high",
      "verificationTier": "research",
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      "cardKey": "icici-sapphiro",
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      "confidence": "high",
      "verificationTier": "research",
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    {
      "cardKey": "icici-sapphiro",
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      "magnitude": "major",
      "status": "active",
      "title": "Lounge access spend-gated at ₹75,000/quarter; airport spa withdrawn",
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "icici-emirates-sapphiro",
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      "confidence": "high",
      "verificationTier": "research",
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    {
      "cardKey": "icici-emirates-sapphiro",
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      "confidence": "high",
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      "cardKey": "indusind-platinum-rupay",
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      "title": "Club Vistara airmiles redemption discontinued",
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      "verificationTier": "official",
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      "cardKey": "indusind-tiger",
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      "confidence": "high",
      "verificationTier": "official",
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      "cardKey": "indusind-celesta",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "cardKey": "indusind-platinum-aura-edge",
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      "title": "Club Vistara airmiles redemption discontinued",
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      "verificationTier": "official",
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      "cardKey": "slice",
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      "title": "BMS Play named in mega reward-earn exclusion",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "confidence": "high",
      "verificationTier": "official",
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      "title": "New 1% fees on large fuel, utility and education spends",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "confidence": "high",
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      "status": "active",
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      "cardKey": "rbl-indianoil-xtra",
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      "type": "launch",
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      "verificationTier": "research",
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      "cardKey": "indusind-platinum-rupay",
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      "confidence": "high",
      "verificationTier": "research",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "verificationTier": "official",
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      "verificationTier": "research",
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      "announced": null,
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      "magnitude": "minor",
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      "confidence": "high",
      "verificationTier": "official",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
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      "confidence": "high",
      "verificationTier": "official",
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      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 5,000 points/month",
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      "after": "Max 5,000 RP/calendar month (Legend)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
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      "direction": "devaluation",
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      "confidence": "high",
      "verificationTier": "research",
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      "cardKey": "indusind-platinum",
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      "confidence": "high",
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      "cardKey": "rbl-world-safari",
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      "cardKey": "hdfc-tata-neu-plus",
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      "cardKey": "sbi-doctors",
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      "cardKey": "bob-hpcl-energie",
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      "verificationTier": "official",
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    {
      "cardKey": "bob-hpcl-energie",
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      "confidence": "high",
      "verificationTier": "official",
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      "cardKey": "bob-icai-exclusive",
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      "verificationTier": "official",
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      "cardKey": "bob-premier",
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      "cardKey": "axis-indianoil-premium",
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      "status": null,
      "title": "Fuel earn rate lifted at migration — 2.67% to 4% on IOCL fuel",
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      "verificationTier": "research",
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      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
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      "verificationTier": "official",
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      "cardKey": "axis-cashback",
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      "status": "active",
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    {
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      "cardKey": "bob-prime",
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      "verificationTier": "official",
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    {
      "cardKey": "bob-prime",
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      "cardKey": "sbi-irctc-premier",
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      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
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      "actId": "axis-2024-05-01-lounge-spend-gates"
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      "cardKey": "axis-select",
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      "magnitude": "major",
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      "after": "₹50,000 spend in previous 3 months required",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2024-05-01-lounge-spend-gates"
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    {
      "cardKey": "axis-samsung-signature",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
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      "after": "4 visits/calendar year unlocked only with ₹50,000 spend in the previous 3 months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/cards/credit-card/samsung-axis-bank-signature-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-signature",
      "noticeId": null,
      "actId": "axis-2024-05-01-lounge-spend-gates"
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    {
      "cardKey": "idfc-wow",
      "cardName": "IDFC FIRST WOW! Credit Card",
      "issuer": "IDFC FIRST Bank",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% + GST surcharge added on large utility-bill spends",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow",
      "noticeId": null,
      "actId": "idfc-2024-05-01-rent-utility-fees"
    },
    {
      "cardKey": "idfc-wow",
      "cardName": "IDFC FIRST WOW! Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Base reward earning cut — points re-pegged from ₹100 to ₹150",
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      "after": "4 pts / ₹150",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow",
      "noticeId": null,
      "actId": "idfc-2024-05-01-reward-devaluation"
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    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel earning raised from 15X to 21X",
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      "after": "21X, up to 700 RP (₹175) per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
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      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel-surcharge waiver withdrawn",
      "before": "1% surcharge waiver on all fuel transactions",
      "after": "Not applicable — value folded into the fuel-rewards category",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-fuel-surcharge-waiver-withdrawn"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent surcharge floor and utility commercial-use fee introduced",
      "before": "Rent 1% of transaction value; no utility fee on personal use",
      "after": "Rent 1% subject to a ₹249 minimum per transaction; utility 1% above ₹20,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-rent-utility-fees"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
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      "announced": "2024-04-01",
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "UPI earning flattened to 2X and uncapped",
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      "after": "Flat 2X across all categories, uncapped — fuel, insurance and EMI excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-upi-earning-flattened-to-3x-and-uncapped"
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    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access spend-gated for the first time",
      "before": "4 domestic visits, no minimum spend",
      "after": "Reduced visits; ₹20,000 prior-month spend required to unlock",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "System-wide reward devaluation (₹100→₹150 basis)",
      "before": "1 pt per ₹100; 6X online, 3X offline; 10X above ₹30k",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/personal-banking/Important-Communication-Rewards-Wealth",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": "idfc-2024-05-01-reward-devaluation"
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    {
      "cardKey": "sc-super-value-titanium",
      "cardName": "Standard Chartered Super Value Titanium Credit Card",
      "issuer": "Standard Chartered",
      "date": "2024-05-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cashback redemption threshold doubled to ₹1,000",
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      "after": "₹1,000, in multiples of ₹500",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/credit-cards/svt-manhattan-changes-faqs/",
      "cardUrl": "https://cardadvisor.in/cards/sc-super-value-titanium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge halved and spend-gate raised to ₹20,000",
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      "after": "2 visits/quarter, ₹20,000 prior-month spend",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "System-wide reward devaluation (base moved to ₹150/point)",
      "before": "6X online / 3X offline; 10X above ₹25,000/month; movie BOGO ₹250",
      "after": "Flat 3X, 1 pt per ₹150; 10X above ₹20,000/month; movie BOGO ₹125",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": "idfc-2024-05-01-reward-devaluation"
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    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
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      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver cap cut ₹125 to ₹100 a cycle",
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      "after": "₹100 a statement cycle",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and wallet spends stop counting toward the fee waiver",
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      "after": "Rent and wallet-load spends excluded",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility spends above ₹15,000 a month attract a 1% fee",
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      "after": "1% + GST once monthly utility spends cross ₹15,000",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2024-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "ALL Accor Plus Explorer membership added",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/content/dam/amex/en-in/benefits/Accor_Plus_Programme_TnC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2024-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Golf made spend-gated",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/platinum-reserve-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2024-05-01",
      "announced": null,
      "type": "milestone",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Monthly milestone voucher doubled",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/platinum-reserve-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2024-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Two international lounge visits added",
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      "after": "+2 international Priority Pass visits/year",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/platinum-reserve-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Domestic lounge access made spend-gated",
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      "after": "8 visits/year unlocked only with ₹50,000 spend in the previous 3 months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/tnc-for-samsung-infinite.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
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      "actId": "axis-2024-05-01-lounge-spend-gates"
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    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
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      "announced": "2024-04-01",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel earning raised to 30X and the fuel cap widened",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
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      "actId": null
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel-surcharge waiver withdrawn",
      "before": "1% surcharge waiver on all fuel transactions",
      "after": "Not applicable — value folded into the fuel-rewards category",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-fuel-surcharge-waiver-withdrawn"
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    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access spend gate quadrupled to ₹20,000",
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      "after": "1 domestic visit/quarter on ₹20,000 monthly spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
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      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent surcharge floor and utility commercial-use fee introduced",
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      "after": "Rent 1% subject to a ₹249 minimum per transaction; utility 1% above ₹20,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
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      "actId": "idfc-2024-05-01-rent-utility-fees"
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    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
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      "announced": "2024-04-01",
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
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      "confidence": "high",
      "verificationTier": "official",
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      "actId": "idfc-2024-05-01-upi-earning-flattened-to-3x-and-uncapped"
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      "cardKey": "sc-smart",
      "cardName": "Standard Chartered Smart Credit Card",
      "issuer": "Standard Chartered",
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      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption minimum raised to Rs 2,500",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/credit-cards/smart-card-faqs/",
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      "noticeId": null,
      "actId": null
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    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
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      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Lounge access spend-gated",
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      "after": "Requires ₹50,000 spend in prior 3 months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://web.archive.org/web/20240530180332/https://www.axisbank.com/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf",
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    {
      "cardKey": "idfc-millennia",
      "cardName": "IDFC FIRST Millennia Credit Card",
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      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Online rate halved 6X to 3X; threshold exclusions widened",
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      "cardKey": "axis-select",
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      "cardKey": "axis-select",
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    {
      "cardKey": "axis-select",
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    {
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      "direction": "devaluation",
      "magnitude": "major",
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      "verificationTier": "official",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
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      "verificationTier": "official",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
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      "verificationTier": "official",
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      "magnitude": "minor",
      "status": "active",
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      "confidence": "high",
      "verificationTier": "official",
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      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-19",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
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      "confidence": "high",
      "verificationTier": "official",
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      "announced": "2024-03-19",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility 5% restricted to Google Pay only",
      "before": "Utility spends earned across platforms",
      "after": "Cashback only on utilities paid via Google Pay",
      "confidence": "high",
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      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/shoppers-stop-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop",
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      "direction": "revaluation",
      "magnitude": "minor",
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      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/shoppers-stop-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
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    },
    {
      "cardKey": "amex-mrcc",
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      "magnitude": "major",
      "status": "active",
      "title": "18K/24K Gold Collection shopping vouchers cut ₹1,000 each",
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      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/rewards/membership-rewards/redeem-points/gold-collection.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-mrcc",
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    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
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      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
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      "after": "Non-cash ₹0.60 · cash ₹0.40",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates-reward-points-cash-redemption.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
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    {
      "cardKey": "slice",
      "cardName": "slice UPI Credit Card",
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      "magnitude": "major",
      "status": null,
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      "verificationTier": "research",
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    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
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      "direction": "devaluation",
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      "title": "Rent and e-wallet loads stop earning points",
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      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
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    {
      "cardKey": "icici-platinum",
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      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "Rent and e-wallet loads stop earning points",
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      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-platinum",
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    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
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      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "Rent and wallet-load spends stop earning points",
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      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
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    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
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      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
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    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
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      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
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      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
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    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
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      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
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    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
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      "announced": null,
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      "direction": "devaluation",
      "magnitude": "minor",
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      "title": "Rent and e-wallet loads stop earning points",
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      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
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      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
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    {
      "cardKey": "hdfc-shoppers-stop",
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      "announced": null,
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      "magnitude": "minor",
      "status": "active",
      "title": "Card offered on RuPay with UPI Scan & Pay linkage",
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      "confidence": "reconstructed",
      "verificationTier": "research",
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    {
      "cardKey": "indusind-eazydiner-platinum",
      "cardName": "EazyDiner IndusInd Bank Platinum Credit Card",
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      "type": "launch",
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      "magnitude": "major",
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    {
      "cardKey": "indusind-samman",
      "cardName": "IndusInd Bank Samman Credit Card",
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      "type": "launch",
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      "magnitude": "major",
      "status": null,
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      "confidence": "high",
      "verificationTier": "official",
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    {
      "cardKey": "kiwi",
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      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Yes Bank 'Klick' becomes the mainstream issuer",
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      "confidence": "reconstructed",
      "verificationTier": "official",
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    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
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      "magnitude": "minor",
      "status": null,
      "title": "Zomato 40% offer opened up to most restaurants",
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    {
      "cardKey": "icici-emeralde",
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      "magnitude": "minor",
      "status": "active",
      "title": "American Express variant withdrawn",
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      "confidence": "reconstructed",
      "verificationTier": "research",
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    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
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      "direction": "devaluation",
      "magnitude": "major",
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    {
      "cardKey": "hdfc-diners-black",
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      "status": null,
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      "verificationTier": "official",
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    {
      "cardKey": "sbi-doctors-ima",
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      "magnitude": "major",
      "status": null,
      "title": "Professional indemnity cover doubled to ₹20 lakh",
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      "verificationTier": "official",
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      "cardKey": "axis-flipkart",
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    {
      "cardKey": "rbl-salaryse-up",
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      "type": "launch",
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      "magnitude": "major",
      "status": "active",
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      "cardKey": "rbl-patanjali-vishisht",
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      "type": "launch",
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      "magnitude": "major",
      "status": "active",
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      "cardKey": "yes-wellness-plus",
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      "magnitude": "major",
      "status": "superseded",
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      "verificationTier": "research",
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      "cardKey": "au-altura-plus",
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      "date": "2024",
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      "type": "network",
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      "magnitude": "minor",
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      "verificationTier": "research",
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      "cardKey": "yes-marquee",
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      "date": "2024",
      "announced": null,
      "type": "redemption",
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      "magnitude": "minor",
      "status": null,
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      "confidence": "reconstructed",
      "verificationTier": "research",
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      "cardKey": "yes-marquee",
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      "announced": null,
      "type": "launch",
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      "magnitude": "major",
      "status": null,
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      "cardKey": "yes-select",
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      "type": "reward",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Renamed YES Select; accelerated earn moves from dining and travel to online",
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      "confidence": "high",
      "verificationTier": "research",
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      "cardKey": "yes-ace",
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      "issuer": "YES Bank",
      "date": "2023-12-18",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Credit-shield cover swapped for online purchase protection",
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      "confidence": "reconstructed",
      "verificationTier": "research",
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    {
      "cardKey": "yes-ace",
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      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Online earning doubled to 8 points per ₹200",
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      "confidence": "high",
      "verificationTier": "research",
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      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/revision-of-axis-bank-credit-card-terms-and-conditions.pdf",
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