Rule changes, cap updates, and issuer announcements — verified against public T&Cs.
9 articles · India · English
Cardholders are posting about the calls on X and Reddit today
Cardholders are posting about the calls on X and Reddit today. Here's what's actually behind them.
Banks didn’t tweak rewards — they capped, gated, and thinned them
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
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.
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.
UPI convenience is not the same as rewards
UPI convenience is not the same as rewards. Most “best cashback” cards cannot even link for UPI credit — and ACE’s GPay 5% is not merchant QR.
