Every Credit Card Benefit Cut in India: 2025–2026 Tracker (HDFC, SBI, Axis, ICICI, Amex)
Banks didn’t tweak rewards — they capped, gated, and thinned them. Here’s what changed at the five big issuers, who loses ₹, and what still works.
🇮🇳 India · We recommend. We don't spam.
Free 2-min quiz, side-by-side card compare & salary guides — ranked by net annual value after fees. No bureau pull. No spam calls.
68 cards fact-checked
Ranked by net ₹ value
Zero sales calls. Ever.
Latest updates
Cap updates, MCC exclusions, and issuer announcements — verified against public terms.
Banks didn’t tweak rewards — they capped, gated, and thinned them. Here’s what changed at the five big issuers, who loses ₹, and what still works.
Banks can no longer push add-ons with confusing consent or dark-pattern apps. Here’s what changes for you — and how to complain if something was mis-sold.
HDFC did not cut overall SmartBuy caps — it stopped you from filling them with Amazon and Flipkart gift vouchers.
We earn a commission if you're approved — at no cost to you.
8–12 questions about income, spends, and goals. No CIBIL pull.
Approval bands + estimated annual savings on your real spends. See 5 more with one tap.
One-tap apply to the bank. We earn commission only if approved.
Free 2-min quiz, side-by-side card compare & salary guides — ranked by net annual value after fees. No bureau pull. No spam calls.