Rule changes, cap updates, and issuer announcements — verified against public T&Cs.
6 articles · India · English
What changed — and what it means for you
HDFC did not cut overall SmartBuy caps — it stopped you from filling them with Amazon and Flipkart gift vouchers.
What changed — and what it means for you
The earn rates are the same. The monthly caps are not — and heavy online or insurance spenders lose the most.
What changed — and what it means for you
Wallet loads, rent, EMI, and many MCCs don’t earn 5% — even when the checkout feels “online.”
What changed — and what it means for you
Premium travel value on Magnus is milestone-driven — missing a tier can wipe out lounge access you assumed was automatic.
What changed — and what it means for you
₹1,000 in SmartBuy points per month sounds generous until your online spend crosses ~₹20,000.
What changed — and what it means for you
UPI convenience doesn’t automatically mean rewards — issuer posting rules and MCC filters still apply.
