{
 "name": "India credit card Devaluation Index",
 "url": "https://m16s.in/devaluation-index/",
 "updated": "2026-11-15",
 "weights": {
  "cut": 1,
  "mixed": 0.5,
  "improvement": 0,
  "launch": 0,
  "rule": 0,
  "change": 0
 },
 "posts": [
  {
   "ref": 1,
   "url": "https://www.americanexpress.com/en-in/support/digital/consumer-experience-updates/",
   "title": "American Express MRCC drops 50% annual fee waiver, Nov 2026",
   "date": "2026-11-15",
   "effective": "2026-11-15",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 2,
   "url": "https://www.americanexpress.com/en-in/support/digital/consumer-experience-updates/",
   "title": "American Express India ends Membership Rewards pooling across cards, Nov 2026",
   "date": "2026-11-15",
   "effective": "2026-11-15",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 3,
   "url": "https://www.americanexpress.com/en-in/support/digital/consumer-experience-updates/",
   "title": "American Express India counts spend milestones by posting date from Nov 2026",
   "date": "2026-11-15",
   "effective": "2026-11-15",
   "change_type": "change",
   "banks": [
    "Amex"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 4,
   "url": "https://www.americanexpress.com/en-in/support/digital/consumer-experience-updates/",
   "title": "American Express India stops issuing new Account Cards, Nov 2026",
   "date": "2026-11-15",
   "effective": "2026-11-15",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 5,
   "url": "https://m16s.in/news/standard-chartered-beyond-zero-forex-offer-till-31-december-2026/",
   "title": "Standard Chartered Beyond: zero forex markup till 31 Dec 2026",
   "date": "2026-11-07",
   "effective": "2026-10-21",
   "change_type": "improvement",
   "banks": [
    "Standard Chartered"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 6,
   "url": "https://m16s.in/news/au-zenith-plus-zero-forex-markup-1-december-2026/",
   "title": "AU Zenith+ credit card forex markup cut to 0% from 1 Dec 2026",
   "date": "2026-11-07",
   "effective": "2026-12-01",
   "change_type": "improvement",
   "banks": [
    "AU"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 7,
   "url": "https://m16s.in/news/air-india-maharaja-shop-earn-maharaja-points-shopping-nov-2026/",
   "title": "Air India launches Maharaja Shop to earn Maharaja Points, Nov 2026",
   "date": "2026-11-07",
   "effective": "2026-11-05",
   "change_type": "improvement",
   "banks": [
    "Air India Maharaja Club"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 8,
   "url": "https://m16s.in/news/kotak-private-credit-card-rs-49000-fee-zero-forex-invite-nov-2026/",
   "title": "Kotak Private credit card: Rs 49,000 fee, zero forex, invite only, Nov 2026",
   "date": "2026-11-06",
   "effective": null,
   "change_type": "launch",
   "banks": [
    "Kotak Mahindra"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 9,
   "url": "https://m16s.in/news/icici-air-accident-cover-inox-end-replacement-fee-december-2026/",
   "title": "ICICI cards lose air accident cover and INOX, fees rise, Dec 2026",
   "date": "2026-11-06",
   "effective": "2026-12-11",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 10,
   "url": "https://m16s.in/news/axis-vistara-credit-cards-discontinued-for-spends-15-december-2026/",
   "title": "Axis Vistara credit cards stop working for spends after 15 Dec 2026",
   "date": "2026-11-06",
   "effective": "2026-12-15",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 11,
   "url": "https://m16s.in/news/rbi-mis-selling-dark-patterns-rules-banks-1-january-2027/",
   "title": "RBI bans dark patterns and mis-selling by banks from 1 January 2027",
   "date": "2026-11-05",
   "effective": "2027-01-01",
   "change_type": "rule",
   "banks": [
    "RBI"
   ],
   "quarter": "Jan to Mar 2027",
   "cut_weight": 0
  },
  {
   "ref": 12,
   "url": "https://m16s.in/news/icici-1838-reserve-credit-card-launched-rs-175000-fee-oct-2026/",
   "title": "ICICI 1838 Reserve credit card launched, Rs 1,75,000 fee, Oct 2026",
   "date": "2026-11-05",
   "effective": null,
   "change_type": "launch",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 13,
   "url": "https://m16s.in/news/hdfc-credit-bureau-update-15-days-tata-neu-redemption-fee-oct-2026/",
   "title": "HDFC updates CIBIL within 15 days of overdue payment, Oct 2026",
   "date": "2026-11-05",
   "effective": null,
   "change_type": "improvement",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 14,
   "url": "https://m16s.in/news/pnb-credit-card-charges-revised-1-november-2026/",
   "title": "PNB credit card charges rise from 1 Nov 2026: cash, late fee, rewards",
   "date": "2026-11-02",
   "effective": "2026-11-01",
   "change_type": "cut",
   "banks": [
    "Punjab National"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 15,
   "url": "https://m16s.in/news/axis-credit-card-emi-foreclosure-interest-refund-20-october-2026/",
   "title": "Axis Bank changes credit card EMI foreclosure interest, Oct 2026",
   "date": "2026-11-02",
   "effective": "2026-10-20",
   "change_type": "improvement",
   "banks": [
    "Axis Bank"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 16,
   "url": "https://m16s.in/news/air-india-sbi-card-visa-co-brand-credit-card-announced-oct-2026/",
   "title": "Air India and SBI Card to launch Visa co-brand credit card, Oct 2026",
   "date": "2026-11-02",
   "effective": null,
   "change_type": "launch",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 17,
   "url": "https://creditcard.pnb.bank.in/Documents/revised-charges.pdf",
   "title": "PNB credit cards add 1% fee on utility payments above Rs 50,000, Nov 2026",
   "date": "2026-11-01",
   "effective": "2026-11-01",
   "change_type": "cut",
   "banks": [
    "Punjab National"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 18,
   "url": "https://creditcard.pnb.bank.in/Documents/revised-charges.pdf",
   "title": "PNB credit cards add Rs 99 fee per reward redemption, Nov 2026",
   "date": "2026-11-01",
   "effective": "2026-11-01",
   "change_type": "cut",
   "banks": [
    "Punjab National"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 19,
   "url": "https://creditcard.pnb.bank.in/Documents/revised-charges.pdf",
   "title": "PNB credit cards raise returned payment fee to 2% of amount, Nov 2026",
   "date": "2026-11-01",
   "effective": "2026-11-01",
   "change_type": "cut",
   "banks": [
    "Punjab National"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 20,
   "url": "https://creditcard.pnb.bank.in/Documents/revised-charges.pdf",
   "title": "PNB credit cards reset late payment fee bands, Nov 2026",
   "date": "2026-11-01",
   "effective": "2026-11-01",
   "change_type": "cut",
   "banks": [
    "Punjab National"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 21,
   "url": "https://creditcard.pnb.bank.in/Documents/revised-charges.pdf",
   "title": "PNB credit cards raise cash advance fee to 2.5%, Nov 2026",
   "date": "2026-11-01",
   "effective": "2026-11-01",
   "change_type": "cut",
   "banks": [
    "Punjab National"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 22,
   "url": "https://m16s.in/news/tata-neu-hdfc-neucoins-claim-in-app-from-25-nov-2026/",
   "title": "Tata Neu HDFC cards: NeuCoins must be claimed in app from 25 Nov 2026",
   "date": "2026-10-30",
   "effective": "2026-11-25",
   "change_type": "mixed",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 23,
   "url": "https://m16s.in/news/sbi-card-1-percent-fee-fuel-transport-december-2026/",
   "title": "SBI Card adds 1% fee on big fuel and transport spends from 1 Dec 2026",
   "date": "2026-10-30",
   "effective": "2026-12-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 24,
   "url": "https://m16s.in/news/paytm-au-credit-card-launch-family-lounge-access-oct-2026/",
   "title": "Paytm AU SFB card launches with family lounge visits, Oct 2026",
   "date": "2026-10-30",
   "effective": "2026-10-21",
   "change_type": "launch",
   "banks": [
    "AU"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 25,
   "url": "https://m16s.in/news/idfc-first-no-reward-points-international-spends-26-oct-2026/",
   "title": "IDFC FIRST keeps reward points on international spends, Sep 2026",
   "date": "2026-10-30",
   "effective": "2026-09-09",
   "change_type": "improvement",
   "banks": [
    "IDFC"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 0
  },
  {
   "ref": 26,
   "url": "https://m16s.in/news/axis-priority-pass-hotel-memberships-consent-renewal-nov-2026/",
   "title": "Axis Priority Pass and hotel memberships need consent from 15 Nov 2026",
   "date": "2026-10-30",
   "effective": "2026-11-15",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 27,
   "url": "https://m16s.in/news/amex-india-membership-rewards-changes-15-november-2026/",
   "title": "Amex India changes Membership Rewards and late fees from 15 Nov 2026",
   "date": "2026-10-30",
   "effective": "2026-11-15",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 28,
   "url": "https://m16s.in/news/icici-makemytrip-card-zero-forex-mycash-change-nov-2026/",
   "title": "MakeMyTrip ICICI card: zero forex, new myCash rules from Nov 2026",
   "date": "2026-10-28",
   "effective": "2026-11-10",
   "change_type": "mixed",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 29,
   "url": "https://m16s.in/news/eternal-sbi-card-launch-zomato-blinkit-cashback-oct-2026/",
   "title": "Eternal SBI Card launches October 2026 with Zomato, Blinkit discounts",
   "date": "2026-10-28",
   "effective": "2026-10-22",
   "change_type": "launch",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 30,
   "url": "https://m16s.in/news/axis-movie-offer-rs-25000-spend-rule-november-2026/",
   "title": "Axis Bank movie offers need Rs 25,000 spend from 1 November 2026",
   "date": "2026-10-28",
   "effective": "2026-11-01",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 31,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card to add 1% fee on transport above Rs 30,000, Dec 2026",
   "date": "2026-10-27",
   "effective": "2026-12-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 32,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card to add 1% fuel fee above Rs 50,000 a cycle, Dec 2026",
   "date": "2026-10-27",
   "effective": "2026-12-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 33,
   "url": "https://www.americanexpress.com/en-in/support/digital/consumer-experience-updates/",
   "title": "American Express India pauses new supplementary cards from 27 Oct 2026",
   "date": "2026-10-27",
   "effective": "2026-10-27",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 34,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Ashva-Credit-Card-Communication-Sep-26.pdf",
   "title": "IDFC FIRST Bank cuts Ashva international rewards to 2X, Oct 2026",
   "date": "2026-10-26",
   "effective": "2026-10-26",
   "change_type": "cut",
   "banks": [
    "IDFC"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 35,
   "url": "https://www.au.bank.in/pdfs/press-release/2026/Press-Release_AU-Small-inance-Bank-and-Paytm-partner-to-launch-Indias-first-Family-Lounge-Access-RuPay-Credit-Card.pdf",
   "title": "AU and Paytm launch the lifetime free Paytm AU SFB RuPay card, Oct 2026",
   "date": "2026-10-21",
   "effective": "2026-10-21",
   "change_type": "launch",
   "banks": [
    "AU"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 36,
   "url": "https://www.americanexpress.com/en-in/support/digital/consumer-experience-updates/",
   "title": "American Express Platinum Card ends free Ace by Times Prime, Oct 2026",
   "date": "2026-10-20",
   "effective": "2026-10-20",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 37,
   "url": "https://www.csb.bank.in/pdf/edge_csb_bank_credit_card_terms_and_conditions_2025.pdf",
   "title": "Edge+ CSB card ties 50% shopping Jewels to Rs 15,000 cycle spend, Oct 2026",
   "date": "2026-10-05",
   "effective": "2026-10-05",
   "change_type": "mixed",
   "banks": [
    "CSB"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 38,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/marriott-bonvoy-credit/terms-and-condition.pdf",
   "title": "HDFC Bank Marriott Bonvoy ties welcome night to fee levy for new cards, Oct 2026",
   "date": "2026-10-01",
   "effective": "2026-10-01",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 0
  },
  {
   "ref": 39,
   "url": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
   "title": "Axis Bank narrows the Select Rs 3 lakh milestone spend count from October 2026",
   "date": "2026-10-01",
   "effective": "2026-10-01",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 40,
   "url": "https://www.au.bank.in/pdf/zenith-plus-credit-card/au-small-finance-bank-cc-airport-lounge-terms-conditions.pdf",
   "title": "AU CA and CS cards move to Rs 50,000 quarterly spend for lounges, Oct 2026",
   "date": "2026-10-01",
   "effective": "2026-10-01",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 41,
   "url": "https://www.americanexpress.com/in/credit-cards/platinum-travel-credit-card/",
   "title": "American Express Platinum Travel adds spend condition to lounge visits, Oct 2026",
   "date": "2026-10-01",
   "effective": "2026-10-01",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Oct to Dec 2026",
   "cut_weight": 1
  },
  {
   "ref": 42,
   "url": "https://www.americanexpress.com/in/benefits/rewards-program.html",
   "title": "American Express India ends Reward Multiplier on 30 Sep 2026",
   "date": "2026-09-30",
   "effective": "2026-09-30",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 43,
   "url": "https://www.southindianbank.bank.in/userfiles/upload/sib_onecard_credit_card_general_terms_and_conditions.pdf",
   "title": "SIB OneCard stops reward points on bills and utilities, Sep 2026",
   "date": "2026-09-15",
   "effective": "2026-09-15",
   "change_type": "cut",
   "banks": [
    "South Indian"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 44,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/BIZ/BizBlack-Welcome-Benefit.pdf",
   "title": "HDFC Bank BizBlack welcome benefit changes to All Accor+ Explorer, Sep 2026",
   "date": "2026-09-15",
   "effective": "2026-09-15",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 0
  },
  {
   "ref": 45,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Ashva-Credit-Card-Communication-Sep-26.pdf",
   "title": "IDFC FIRST Bank introduces zero forex markup, Sep 2026",
   "date": "2026-09-09",
   "effective": "2026-09-09",
   "change_type": "improvement",
   "banks": [
    "IDFC"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 0
  },
  {
   "ref": 46,
   "url": "https://www.bobcard.co.in/credit-card-types/select",
   "title": "BOBCARD sets Select joining and first-year fee to Rs 0 from September 2026",
   "date": "2026-09-01",
   "effective": "2026-09-01",
   "change_type": "improvement",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 0
  },
  {
   "ref": 47,
   "url": "https://www.bobcard.co.in/credit-card-types/premier",
   "title": "BOBCARD sets Premier joining and first-year fee to Rs 0 from September 2026",
   "date": "2026-09-01",
   "effective": "2026-09-01",
   "change_type": "improvement",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 0
  },
  {
   "ref": 48,
   "url": "https://www.bobcard.co.in/credit-card-types/eterna",
   "title": "BOBCARD sets Eterna joining and first-year fee to Rs 0 from September 2026",
   "date": "2026-09-01",
   "effective": "2026-09-01",
   "change_type": "improvement",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 0
  },
  {
   "ref": 49,
   "url": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
   "title": "Axis Bank stops rewards on bridge fees, road fees and tolls, August 2026",
   "date": "2026-08-28",
   "effective": "2026-08-28",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 50,
   "url": "https://campaign.axis.bank.in/generic/terms-and-conditions-magnus.pdf",
   "title": "Axis Bank ends Priority Pass use at Indian domestic lounges, August 2026",
   "date": "2026-08-28",
   "effective": "2026-08-28",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 51,
   "url": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
   "title": "Axis Bank sets a Rs 1,300 late fee on dues of Rs 50,000 and above, August 2026",
   "date": "2026-08-28",
   "effective": "2026-08-28",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 52,
   "url": "https://campaign.axis.bank.in/generic/terms-and-conditions-magnus.pdf",
   "title": "Axis Bank raises the Magnus foreign currency markup from 1.5% to 2%, August 2026",
   "date": "2026-08-28",
   "effective": "2026-08-28",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 53,
   "url": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
   "title": "Axis Bank raises the foreign currency markup from 1.5% to 3.5%, August 2026",
   "date": "2026-08-28",
   "effective": "2026-08-28",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 54,
   "url": "https://media.bobcard.co.in//media/x2qainlc/final-revision-in-charges-benefits-effective-july-202615.pdf",
   "title": "BOBCARD ends air and non-air accidental death cover on three cards, Aug 2026",
   "date": "2026-08-25",
   "effective": "2026-08-25",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 55,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/revision-terms-and-conditions-horizon-credit-card.pdf?sfvrsn=86c28ddd_1",
   "title": "Axis Bank raises the Horizon markup to 3.5% and large late fee to Rs 1,300",
   "date": "2026-08-21",
   "effective": "2026-08-21",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 56,
   "url": "https://www.axis.bank.in/cards/credit-card/axis-bank-atlas-credit-card",
   "title": "Axis Bank sets Atlas foreign currency markup at 3.5% from August 2026",
   "date": "2026-08-21",
   "effective": "2026-08-21",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 57,
   "url": "https://www.csb.bank.in/pdf/CSB_One_Co-Branded_Credit_Card_TnC_05122024.pdf",
   "title": "CSB OneCard stops reward points on bills and utilities, Aug 2026",
   "date": "2026-08-12",
   "effective": "2026-08-12",
   "change_type": "cut",
   "banks": [
    "CSB"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 58,
   "url": "https://media.bobcard.co.in//media/x2qainlc/final-revision-in-charges-benefits-effective-july-202615.pdf",
   "title": "BOBCARD raises Eterna lounge spend gate from Rs 40,000 to Rs 75,000, Jul 2026",
   "date": "2026-07-15",
   "effective": "2026-07-15",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 59,
   "url": "https://media.bobcard.co.in//media/x2qainlc/final-revision-in-charges-benefits-effective-july-202615.pdf",
   "title": "BOBCARD raises Eterna finance charge from 3.25% to 3.75% a month, Jul 2026",
   "date": "2026-07-15",
   "effective": "2026-07-15",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 60,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank ends lounge spend exemption on Adani One Signature and MakeMyTrip, Jul 2026",
   "date": "2026-07-01",
   "effective": "2026-07-01",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 61,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Diners-Privilege-Product-Feature-Change.pdf",
   "title": "HDFC Bank Diners Club Privilege ties lounge access to Rs 60,000 quarterly spend, Jul 2026",
   "date": "2026-07-01",
   "effective": "2026-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 62,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Regalia-Gold-Product-feature-change.pdf",
   "title": "HDFC Regalia Gold ties domestic lounge visits to Rs 60,000 quarterly spend, Jul 2026",
   "date": "2026-07-01",
   "effective": "2026-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 63,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/infinia-credit-card/rewards-points-program-terms-and-conditions.pdf",
   "title": "HDFC Infinia caps SmartBuy brand voucher points at 3,000 a month, Jul 2026",
   "date": "2026-07-01",
   "effective": "2026-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 64,
   "url": "https://campaign.axis.bank.in/generic/terms-and-conditions-for-magnus-credit-card-ltf-for-burgundy-salary-customers.pdf",
   "title": "Axis Bank offers Magnus free for life to Burgundy Salary customers, July 2026",
   "date": "2026-07-01",
   "effective": "2026-07-01",
   "change_type": "improvement",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 0
  },
  {
   "ref": 65,
   "url": "https://www.axis.bank.in/cards/credit-card/axis-horizon-credit-card",
   "title": "Axis Bank waives the Horizon fee for new Burgundy Savings customers, July 2026",
   "date": "2026-07-01",
   "effective": "2026-07-01",
   "change_type": "improvement",
   "banks": [
    "Axis"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 0
  },
  {
   "ref": 66,
   "url": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
   "title": "AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026",
   "date": "2026-07-01",
   "effective": "2026-07-01",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 67,
   "url": "https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SuperCard_Most_Important_Terms_&_Conditions_MITC.pdf",
   "title": "Utkarsh raises the finance charge on superCard and Wish to 3.5% a month from Jun 2026",
   "date": "2026-06-21",
   "effective": "2026-06-21",
   "change_type": "cut",
   "banks": [
    "Utkarsh"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 68,
   "url": "https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SuperCard_Most_Important_Terms_&_Conditions_MITC.pdf",
   "title": "Utkarsh adds a Rs 100 account maintenance charge on superCard and Wish from Jun 2026",
   "date": "2026-06-21",
   "effective": "2026-06-21",
   "change_type": "cut",
   "banks": [
    "Utkarsh"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 69,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Millennia-Credit-Card-Communication-May-26.pdf",
   "title": "IDFC FIRST Bank makes reward points expire after 24 months, Jun 2026",
   "date": "2026-06-18",
   "effective": "2026-06-18",
   "change_type": "cut",
   "banks": [
    "IDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 70,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Wealth-Credit-Card-Communication-May-26.pdf",
   "title": "IDFC FIRST Bank ties movie offer to Rs 20,000 prior-month spend, Jun 2026",
   "date": "2026-06-18",
   "effective": "2026-06-18",
   "change_type": "cut",
   "banks": [
    "IDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 71,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Millennia-Credit-Card-Communication-May-26.pdf",
   "title": "IDFC FIRST Bank caps rewards at credit limit per cycle, Jun 2026",
   "date": "2026-06-18",
   "effective": "2026-06-18",
   "change_type": "cut",
   "banks": [
    "IDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 72,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Millennia-Credit-Card-Communication-May-26.pdf",
   "title": "IDFC FIRST Bank pays 10X from first dining and travel spend, Jun 2026",
   "date": "2026-06-18",
   "effective": "2026-06-18",
   "change_type": "improvement",
   "banks": [
    "IDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 73,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
   "title": "Yes Bank narrows the fuel surcharge waiver band on Marquee and Reserv, June 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "cut",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 74,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
   "title": "Yes Bank raises cash advance minimum fee from Rs 500 to Rs 650, June 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "cut",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 75,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
   "title": "Yes Bank raises plastic card reissue fee from Rs 100 to Rs 199, June 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "cut",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 76,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
   "title": "Yes Bank raises branch cash deposit fee to Rs 500 and adds cheque fee, June 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "cut",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 77,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
   "title": "Yes Bank raises auto debit failure charge to 2.5% or Rs 500, June 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "cut",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 78,
   "url": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
   "title": "IndusInd Bank adds 1% fee on transport spends above Rs 40,000, Jun 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 79,
   "url": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
   "title": "IndusInd Legend lowers fuel fee threshold to Rs 30,000, Jun 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 80,
   "url": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
   "title": "IndusInd Legend raises dynamic currency conversion fee to 2%, Jun 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 81,
   "url": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
   "title": "IndusInd Bank revises late payment charge slabs, Jun 2026",
   "date": "2026-06-15",
   "effective": "2026-06-15",
   "change_type": "mixed",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 82,
   "url": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
   "title": "AU Bank adds 1% charge on transport spends above limits, Jun 2026",
   "date": "2026-06-14",
   "effective": "2026-06-14",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 83,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
   "title": "Yes Bank brings back the overlimit facility at Rs 550 a transaction, June 2026",
   "date": "2026-06-01",
   "effective": "2026-06-01",
   "change_type": "improvement",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 84,
   "url": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/PhonePe-Black-pdf-27Apr2026.pdf",
   "title": "PhonePe SBI Card Select Black cuts reward caps and adds exclusions, Jul 2026",
   "date": "2026-05-29",
   "effective": "2026-07-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Jul to Sep 2026",
   "cut_weight": 1
  },
  {
   "ref": 85,
   "url": "https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SuperCard_Most_Important_Terms_&_Conditions_MITC.pdf",
   "title": "Utkarsh cuts cash advance interest on superCard and Wish to 2.5% a month from May 2026",
   "date": "2026-05-21",
   "effective": "2026-05-21",
   "change_type": "improvement",
   "banks": [
    "Utkarsh"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 86,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/fifa-pixel-credit-card/pdf/terms-and-conditions-pixel-play-credit-card-08072026.pdf",
   "title": "HDFC Bank PIXEL Play raises card re-issue fee from Rs 100 to Rs 199, May 2026",
   "date": "2026-05-20",
   "effective": "2026-05-20",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 87,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank PIXEL Go and Play set 1.75% markup on rupee spends abroad, May 2026",
   "date": "2026-05-20",
   "effective": "2026-05-20",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 88,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/generic-mailer-tnc.pdf",
   "title": "HDFC Bank MoneyBack and Freedom move reward accrual to Rs 200, May 2026",
   "date": "2026-05-15",
   "effective": "2026-05-15",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 89,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/generic-mailer-tnc.pdf",
   "title": "HDFC Bank MoneyBack and Freedom set card re-issue fee at Rs 199, May 2026",
   "date": "2026-05-15",
   "effective": "2026-05-15",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 90,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Diners-Privilege-Product-Feature-Change.pdf",
   "title": "HDFC Bank Diners Club Privilege earns 4 points per Rs 200, May 2026",
   "date": "2026-05-15",
   "effective": "2026-05-15",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 91,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Diners-Privilege-Product-Feature-Change.pdf",
   "title": "HDFC Bank Diners Club Privilege sets card re-issue fee at Rs 199, May 2026",
   "date": "2026-05-15",
   "effective": "2026-05-15",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 92,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Regalia-Gold-Product-feature-change.pdf",
   "title": "HDFC Regalia Gold earns 5 points per Rs 200 from May 2026",
   "date": "2026-05-15",
   "effective": "2026-05-15",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 93,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Regalia-Gold-Product-feature-change.pdf",
   "title": "HDFC Regalia Gold adds Boarding Edge travel benefits, May 2026",
   "date": "2026-05-15",
   "effective": "2026-05-15",
   "change_type": "improvement",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 94,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026",
   "date": "2026-05-15",
   "effective": "2026-05-15",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 95,
   "url": "https://jkb.bank.in/transactions/services/credit-cards",
   "title": "J&K Bank sets new annual fees on Eminent and Platinum cards from 1 May 2026",
   "date": "2026-05-01",
   "effective": "2026-05-01",
   "change_type": "change",
   "banks": [
    "J&K Bank"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 96,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-hdfc-bank-credit-card/pdf/terms-and-conditions-swiggy-hdfc-bank-credit-card-18092026.pdf",
   "title": "Swiggy HDFC card needs Rs 249 minimum for 10% cashback from Apr 2026",
   "date": "2026-04-21",
   "effective": "2026-04-21",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 97,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-hdfc-bank-credit-card/pdf/terms-and-conditions-swiggy-hdfc-bank-credit-card-18092026.pdf",
   "title": "Swiggy HDFC card posts cashback daily and settles it on the statement date, Apr 2026",
   "date": "2026-04-18",
   "effective": "2026-04-18",
   "change_type": "improvement",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 98,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-hdfc-bank-credit-card/pdf/terms-and-conditions-swiggy-hdfc-bank-credit-card-18092026.pdf",
   "title": "Swiggy HDFC card earns 5% cashback on Cleartrip from Apr 2026",
   "date": "2026-04-17",
   "effective": "2026-04-17",
   "change_type": "improvement",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 99,
   "url": "https://www.au.bank.in/pdfs/revision-of-ixigo-au-credit-card-usage-tnc_Lounge.pdf",
   "title": "ixigo AU domestic lounge access needs Rs 50,000 quarterly spend, Apr 2026",
   "date": "2026-04-13",
   "effective": "2026-04-13",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 100,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf",
   "title": "Axis Bank swaps Airtel card Swiggy cashback for Zomato and Blinkit, April 2026",
   "date": "2026-04-12",
   "effective": "2026-04-12",
   "change_type": "mixed",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 101,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf",
   "title": "Axis Bank ends Airtel card lounge access from April 2026",
   "date": "2026-04-12",
   "effective": "2026-04-12",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 102,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf",
   "title": "Axis Bank ties Airtel card cashback caps to base cashback from April 2026",
   "date": "2026-04-12",
   "effective": "2026-04-12",
   "change_type": "mixed",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 103,
   "url": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
   "title": "AU sets Rs 50,000 quarterly spend for domestic lounges, Apr 2026",
   "date": "2026-04-10",
   "effective": "2026-04-10",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 104,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTEF575C3B82F447DB91267802FF241884/native/ai_ybl_mitc_pdf.pdf",
   "title": "Yes Bank lifts Marquee and Reserv utility fee threshold to Rs 50,000, April 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "improvement",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 105,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTEF575C3B82F447DB91267802FF241884/native/ai_ybl_mitc_pdf.pdf",
   "title": "Yes Bank lifts Marquee and Reserv toll fee threshold to Rs 75,000, April 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "improvement",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 106,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card limits statement credit to multiples of 4,000 points, Apr 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 107,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card caps statement credit redemption at 60,000 points, Apr 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 108,
   "url": "https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf",
   "title": "Kotak White drops education and transport from White Pass spends, Apr 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "cut",
   "banks": [
    "Kotak Mahindra"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 109,
   "url": "https://images.kotak.bank.in/bank/mailers/2026/files/WhiteFees&Charges.html",
   "title": "Kotak White ties lounge access to Rs 1,00,000 quarterly spend, Apr 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "cut",
   "banks": [
    "Kotak Mahindra"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 110,
   "url": "https://jkb.bank.in/transactions/services/credit-cards",
   "title": "J&K Bank adds welcome vouchers on new credit cards from 1 April 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "improvement",
   "banks": [
    "J&K Bank"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 111,
   "url": "https://jkb.bank.in/transactions/services/credit-cards",
   "title": "J&K Bank revises credit card reward structure from 1 April 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "mixed",
   "banks": [
    "J&K Bank"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 112,
   "url": "https://jkb.bank.in/transactions/services/credit-cards",
   "title": "J&K Bank starts quarterly spend milestone vouchers from 1 April 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "improvement",
   "banks": [
    "J&K Bank"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 113,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Select-Credit-Card.pdf",
   "title": "IDFC FIRST Bank sets Wealth and Select lounge quota from April 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "change",
   "banks": [
    "IDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 114,
   "url": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
   "title": "ICICI Bank ties BookMyShow benefit to Rs 25,000 quarterly spend, Apr 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "change",
   "banks": [
    "ICICI"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 115,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Infinia ties continued access to Rs 18 lakh spend or Rs 50 lakh balances, Apr 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 116,
   "url": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
   "title": "BOBCARD starts core reward points on telecom spends from April 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "improvement",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0
  },
  {
   "ref": 117,
   "url": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
   "title": "BOBCARD adds 1% fees on education apps, tolls and rail bookings, Apr 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 118,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-myzone-credit-card.pdf?sfvrsn=6b8ed8a4_18",
   "title": "Axis Bank swaps MY ZONE Sony LIV renewal for 1,000 points, April 2026",
   "date": "2026-04-01",
   "effective": "2026-04-01",
   "change_type": "mixed",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 119,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "BPCL SBI Card raises annual fee waiver spend to Rs 1 lakh from May 2026",
   "date": "2026-03-29",
   "effective": "2026-05-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 120,
   "url": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/LPC.pdf",
   "title": "SBI Card revises late payment charges from May 2026",
   "date": "2026-03-29",
   "effective": "2026-05-01",
   "change_type": "mixed",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 0.5
  },
  {
   "ref": 121,
   "url": "https://jkb.bank.in/transactions/services/credit-cards",
   "title": "J&K Bank adds lounge and lifestyle benefits on revamped credit cards from 12 March 2026",
   "date": "2026-03-12",
   "effective": "2026-03-12",
   "change_type": "improvement",
   "banks": [
    "J&K Bank"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 0
  },
  {
   "ref": 122,
   "url": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/cashback-revised.pdf",
   "title": "SBI Cashback card excludes gaming, tolls and government, Apr 2026",
   "date": "2026-02-27",
   "effective": "2026-04-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 123,
   "url": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/cashback-revised.pdf",
   "title": "SBI Cashback card caps cashback at Rs 4,000 a cycle, Apr 2026",
   "date": "2026-02-27",
   "effective": "2026-04-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Apr to Jun 2026",
   "cut_weight": 1
  },
  {
   "ref": 124,
   "url": "https://www.federal.bank.in/documents/d/guest/scapia-federal-credit-card-tnc-v4-21_04_25",
   "title": "Federal Bank Scapia card stops rewards on insurance, utility and telecom, Feb 2026",
   "date": "2026-02-27",
   "effective": "2026-02-27",
   "change_type": "cut",
   "banks": [
    "Federal"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 125,
   "url": "https://www.federal.bank.in/documents/d/guest/scapia-federal-credit-card-tnc-v4-21_04_25",
   "title": "Federal Bank Scapia card sets domestic lounge spend gate at Rs 20,000, Feb 2026",
   "date": "2026-02-27",
   "effective": "2026-02-27",
   "change_type": "cut",
   "banks": [
    "Federal"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 126,
   "url": "https://www.southindianbank.bank.in/userfiles/upload/sib_onecard_credit_card_most_imp_terms_conditions.pdf",
   "title": "SIB OneCard sets 2% fee on rent and wallet transfers from Feb 2026",
   "date": "2026-02-01",
   "effective": "2026-02-01",
   "change_type": "change",
   "banks": [
    "South Indian"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 0
  },
  {
   "ref": 127,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank caps transportation rewards per statement cycle, Feb 2026",
   "date": "2026-02-01",
   "effective": "2026-02-01",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 128,
   "url": "https://www.americanexpress.com/content/dam/amex/in/benefits/Shopwise_MR_Aug26.pdf",
   "title": "American Express India launches ShopWise bonus points, Feb 2026",
   "date": "2026-02-01",
   "effective": "2026-02-01",
   "change_type": "improvement",
   "banks": [
    "Amex"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 0
  },
  {
   "ref": 129,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Millennia-Credit-Card.pdf",
   "title": "IDFC FIRST Bank raises rewards base to Rs 200 per point, Jan 2026",
   "date": "2026-01-18",
   "effective": "2026-01-18",
   "change_type": "cut",
   "banks": [
    "IDFC"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 130,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Millennia-Credit-Card.pdf",
   "title": "IDFC FIRST Bank withholds rewards if minimum due missed, Jan 2026",
   "date": "2026-01-18",
   "effective": "2026-01-18",
   "change_type": "cut",
   "banks": [
    "IDFC"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 131,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Millennia-Credit-Card.pdf",
   "title": "IDFC FIRST Bank limits FASTag and railway rewards, Jan 2026",
   "date": "2026-01-18",
   "effective": "2026-01-18",
   "change_type": "cut",
   "banks": [
    "IDFC"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 132,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank adds fees on wallet loads, gaming and transport, Jan 2026",
   "date": "2026-01-15",
   "effective": "2026-01-15",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 133,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "Emirates Skywards ICICI Emeralde cuts earn to 2 miles per Rs 100, Jan 2026",
   "date": "2026-01-15",
   "effective": "2026-01-15",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 134,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Emeralde Private Metal adds Rs 3,500 fee on supplementary cards, Jan 2026",
   "date": "2026-01-15",
   "effective": "2026-01-15",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 135,
   "url": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
   "title": "ICICI Bank raises Dynamic Currency Conversion fee, Jan 2026",
   "date": "2026-01-15",
   "effective": "2026-01-15",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 136,
   "url": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf",
   "title": "SBI Card revises domestic lounge list for Prime, Miles Prime, Jan 2026",
   "date": "2026-01-10",
   "effective": "2026-01-10",
   "change_type": "change",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 0
  },
  {
   "ref": 137,
   "url": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
   "title": "RBL Bank adds 1% fee on FASTag loading and toll payments above Rs 10,000, Jan 2026",
   "date": "2026-01-07",
   "effective": "2026-01-07",
   "change_type": "cut",
   "banks": [
    "RBL"
   ],
   "quarter": "Jan to Mar 2026",
   "cut_weight": 1
  },
  {
   "ref": 138,
   "url": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
   "title": "IndusInd Bank ends air accident insurance cover, Dec 2025",
   "date": "2025-12-21",
   "effective": "2025-12-21",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 139,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC 6E Rewards XL card discontinued, features end Dec 2025",
   "date": "2025-12-01",
   "effective": "2025-12-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 140,
   "url": "https://www.csb.bank.in/pdf/CSB_One_Co-Branded_Credit_Card_MITC_05122024.pdf",
   "title": "CSB OneCard raises rent and wallet transfer fees from 1% to 2%, Dec 2025",
   "date": "2025-12-01",
   "effective": "2025-12-01",
   "change_type": "cut",
   "banks": [
    "CSB"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 141,
   "url": "https://equitas.bank.in/strapi-dev/uploads/MITC_V1_1_51dd02b756.pdf",
   "title": "Equitas Selfe ties its two chosen memberships to fees or spend milestones from Nov 2025",
   "date": "2025-11-24",
   "effective": "2025-11-24",
   "change_type": "cut",
   "banks": [
    "Equitas"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 142,
   "url": "https://equitas.bank.in/strapi-dev/uploads/MITC_V1_1_51dd02b756.pdf",
   "title": "Equitas PowerMiles ties its luxury memberships to fees or spend milestones from Nov 2025",
   "date": "2025-11-24",
   "effective": "2025-11-24",
   "change_type": "cut",
   "banks": [
    "Equitas"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 143,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/tata-neu-plus-hdfc-bank-credit-card/pdfs/tata_neu_plus_card_tnc.pdf",
   "title": "HDFC Tata Neu Plus ends NeuCoins on monthly EMI billing, Nov 2025",
   "date": "2025-11-17",
   "effective": "2025-11-17",
   "change_type": "mixed",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 0.5
  },
  {
   "ref": 144,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/tata-neu-infinity-credit-card/pdf/tata_neu_infinity_card_tnc.pdf",
   "title": "HDFC Tata Neu Infinity ends NeuCoins on monthly EMI billing, Nov 2025",
   "date": "2025-11-17",
   "effective": "2025-11-17",
   "change_type": "mixed",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 0.5
  },
  {
   "ref": 145,
   "url": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
   "title": "AU NOMO cash withdrawal limit set at 50% of card limit, Nov 2025",
   "date": "2025-11-07",
   "effective": "2025-11-07",
   "change_type": "change",
   "banks": [
    "AU"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 0
  },
  {
   "ref": 146,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank MoneyBack+ sets cashback redemption value at 20 paise a point, Nov 2025",
   "date": "2025-11-01",
   "effective": "2025-11-01",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 0
  },
  {
   "ref": 147,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Regalia and Regalia Gold set statement-credit redemption at 15 paise a point, Nov 2025",
   "date": "2025-11-01",
   "effective": "2025-11-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 148,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC 6E Rewards program phased out from Nov 2025",
   "date": "2025-11-01",
   "effective": "2025-11-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 149,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank PIXEL Go and Play cap insurance points, end gaming points, Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 150,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank PIXEL Go and Play finance charge set at 3.75% a month, Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 0
  },
  {
   "ref": 151,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank PIXEL Go and Play add 1% fees on rent, fuel, utility, wallet, gaming, Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 152,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/irctc-credit-card/irctc-tnc-09-10-25.pdf",
   "title": "HDFC Bank IRCTC card moves Rs 500 voucher milestone to calendar quarters, Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "change",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 0
  },
  {
   "ref": 153,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/irctc-credit-card/irctc-tnc-09-10-25.pdf",
   "title": "HDFC Bank IRCTC card adds Rs 500 welcome voucher on lifetime free cards, Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "improvement",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 0
  },
  {
   "ref": 154,
   "url": "https://media-assets.swiggy.com/portal/static-assets/others/key_fact_statement.pdf",
   "title": "Swiggy BLCK HDFC card adds 1% fuel fee above Rs 15,000, Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 155,
   "url": "https://media-assets.swiggy.com/portal/static-assets/others/key_fact_statement.pdf",
   "title": "Swiggy BLCK HDFC card adds 1% fee on third-party education payments, Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 156,
   "url": "https://cityunionbank.bank.in/filemanager/Apr26/MITC_V5.pdf",
   "title": "City Union Bank adds 1% fees on wallet loads, fuel, utility and gaming spends from 1 Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "cut",
   "banks": [
    "City Union"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 157,
   "url": "https://www.axis.bank.in/cards/credit-card/reserve-credit-card",
   "title": "Axis Bank ends Reserve offers on Oberoi hotels from October 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 158,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card-tnc/terms-and-conditions-for-magnus-credit-card.pdf?sfvrsn=1d8117ef_1",
   "title": "Axis Bank can forfeit unredeemed EDGE points 30 days after card closure, Oct 2025",
   "date": "2025-10-01",
   "effective": "2025-10-01",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 159,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card adds 1% fee on wallet loads above Rs 1,000, Nov 2025",
   "date": "2025-09-29",
   "effective": "2025-11-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 160,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card adds 1% fee on education payments via apps, Nov 2025",
   "date": "2025-09-29",
   "effective": "2025-11-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2025",
   "cut_weight": 1
  },
  {
   "ref": 161,
   "url": "https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf",
   "title": "Union Bank raises credit card interest to 3.00% a month, Sept 2025",
   "date": "2025-09-25",
   "effective": "2025-09-25",
   "change_type": "cut",
   "banks": [
    "Union Bank of India"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 162,
   "url": "https://www.unionbankofindia.bank.in/pdf/mitc-credit-cards.pdf",
   "title": "Union Bank raises minimum cash withdrawal fee to Rs 500, Sept 2025",
   "date": "2025-09-25",
   "effective": "2025-09-25",
   "change_type": "cut",
   "banks": [
    "Union Bank of India"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 163,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card adds Rs 200 cheque processing fee from Sep 2025",
   "date": "2025-09-15",
   "effective": "2025-09-15",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 164,
   "url": "https://www.idfcfirst.bank.in/credit-card/metal-credit-card/ashva",
   "title": "IDFC FIRST Bank sets Ashva joining fee benefit of up to 7,500 points, Sep 2025",
   "date": "2025-09-01",
   "effective": "2025-09-01",
   "change_type": "change",
   "banks": [
    "IDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 0
  },
  {
   "ref": 165,
   "url": "https://www.unity.bank.in/docs/credit-cards/usfb-most-important-terms-and-conditions.pdf",
   "title": "Unity Bank BharatPe card earns 2% on all bill-period spend slabs from Aug 2025",
   "date": "2025-08-14",
   "effective": "2025-08-14",
   "change_type": "improvement",
   "banks": [
    "Unity"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 0
  },
  {
   "ref": 166,
   "url": "https://www.unity.bank.in/docs/credit-cards/usfb-most-important-terms-and-conditions.pdf",
   "title": "Unity Bank BharatPe card lets spends from Rs 1,000 go to up to 12 EMIs from Aug 2025",
   "date": "2025-08-14",
   "effective": "2025-08-14",
   "change_type": "change",
   "banks": [
    "Unity"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 0
  },
  {
   "ref": 167,
   "url": "https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SuperCard_Most_Important_Terms_&_Conditions_MITC.pdf",
   "title": "Utkarsh superCard links the physical card fee to a Rs 10,000 FD from Aug 2025",
   "date": "2025-08-11",
   "effective": "2025-08-11",
   "change_type": "cut",
   "banks": [
    "Utkarsh"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 168,
   "url": "https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SuperCard_Most_Important_Terms_&_Conditions_MITC.pdf",
   "title": "Utkarsh superCard moves to 1% cashback on all spends from Aug 2025",
   "date": "2025-08-11",
   "effective": "2025-08-11",
   "change_type": "mixed",
   "banks": [
    "Utkarsh"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 0.5
  },
  {
   "ref": 169,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "IRCTC SBI Card Premier drops air and rail accident cover, Jul 2025",
   "date": "2025-07-26",
   "effective": "2025-07-26",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 170,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank ends the Emeralde monthly membership plan, Jul 2025",
   "date": "2025-07-24",
   "effective": "2025-07-24",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 171,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card ends free air accident cover on five cards, Jul 2025",
   "date": "2025-07-15",
   "effective": "2025-07-15",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 172,
   "url": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-to-Your-EazyDiner-Signature-CreditCard.pdf",
   "title": "IndusInd EazyDiner Signature revises reward points, Jul 2025",
   "date": "2025-07-15",
   "effective": "2025-07-15",
   "change_type": "mixed",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 0.5
  },
  {
   "ref": 173,
   "url": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-to-Your-EazyDiner-Signature-CreditCard.pdf",
   "title": "IndusInd EazyDiner Signature ends lounge access and movie offer, Jul 2025",
   "date": "2025-07-15",
   "effective": "2025-07-15",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 174,
   "url": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-to-Your-EazyDiner-Signature-CreditCard.pdf",
   "title": "IndusInd EazyDiner Signature caps dining discount at Rs 2,000, Jul 2025",
   "date": "2025-07-15",
   "effective": "2025-07-15",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 175,
   "url": "https://webassets.rbl.bank.in/document/pdfs/terms-world-safari-card.pdf",
   "title": "RBL Bank ties World Safari domestic lounge visits to Rs 35,000 spend, July 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "RBL"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 176,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/irctc-credit-card/irctc-tnc-09-10-25.pdf",
   "title": "HDFC Bank IRCTC card raises fee cap to Rs 4,999, utility on monthly basis, Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 177,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/business-credit-cards/biz-black/pdfs/biz-black-rp-t-and-c-updated.pdf",
   "title": "HDFC Bank BizBlack adds gaming, wallet, utility fees, caps insurance points, Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 178,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 179,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/tata-neu-plus-hdfc-bank-credit-card/pdfs/tata_neu_plus_card_tnc.pdf",
   "title": "HDFC Tata Neu Plus stops NeuCoins on online skill-based gaming, Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 180,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/tata-neu-infinity-credit-card/pdf/tata_neu_infinity_card_tnc.pdf",
   "title": "HDFC Tata Neu Infinity stops NeuCoins on online skill-based gaming, Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 181,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank stops rewards on online skill-based gaming from Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 182,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank charges 1% on rent payments, capped at Rs 4,999, from Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 183,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
   "title": "HDFC Bank caps insurance reward points per month from Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "HDFC"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 184,
   "url": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
   "title": "BOBCARD starts core reward points on utility bills from July 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "improvement",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 0
  },
  {
   "ref": 185,
   "url": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
   "title": "BOBCARD sets 1,000 point minimum for statement balance redemption, Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 186,
   "url": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
   "title": "BOBCARD raises finance charge to 3.75% a month on Premier and Select, Jul 2025",
   "date": "2025-07-01",
   "effective": "2025-07-01",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jul to Sep 2025",
   "cut_weight": 1
  },
  {
   "ref": 187,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/tncs-reserve-13th-may.pdf?sfvrsn=ed6fda5e_1",
   "title": "Axis Bank caps Reserve 2X international earn at the credit limit, June 2025",
   "date": "2025-06-20",
   "effective": "2025-06-20",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
  },
  {
   "ref": 188,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card-tnc/terms-and-conditions-for-magnus-credit-card.pdf?sfvrsn=1d8117ef_1",
   "title": "Axis Bank caps Magnus accelerated 35 point earn at credit limit plus Rs 1.5 lakh",
   "date": "2025-06-20",
   "effective": "2025-06-20",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
  },
  {
   "ref": 189,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-flipkart-axis-bank-credit-card.pdf",
   "title": "Axis Bank ends Flipkart card lounge access and halves welcome voucher, June 2025",
   "date": "2025-06-20",
   "effective": "2025-06-20",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
  },
  {
   "ref": 190,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-flipkart-axis-bank-credit-card.pdf",
   "title": "Axis Bank Flipkart card lifts Myntra to 7.5% and caps cashback, June 2025",
   "date": "2025-06-20",
   "effective": "2025-06-20",
   "change_type": "mixed",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 0.5
  },
  {
   "ref": 191,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card-tnc/terms-and-conditions-for-magnus-burgundy-credit-card.pdf",
   "title": "Axis Bank caps Magnus for Burgundy 35 point earn at credit limit plus Rs 1.5 lakh",
   "date": "2025-06-20",
   "effective": "2025-06-20",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
  },
  {
   "ref": 192,
   "url": "https://www.americanexpress.com/in/charge-cards/gold-card/",
   "title": "American Express Gold Card stops points on fuel spends, Jun 2025",
   "date": "2025-06-12",
   "effective": "2025-06-12",
   "change_type": "cut",
   "banks": [
    "Amex"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
  },
  {
   "ref": 193,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/tata-neu-plus-hdfc-bank-credit-card/pdfs/milestone_lounge_tata-neu-cc.pdf",
   "title": "HDFC Tata Neu cards move domestic lounge access to quarterly spend vouchers, Jun 2025",
   "date": "2025-06-10",
   "effective": "2025-06-10",
   "change_type": "cut",
   "banks": [
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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   "ref": 194,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/zen-signature-credit-card.html",
   "title": "Kotak Zen Signature caps and drops category rewards, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "cut",
   "banks": [
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 195,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/zen-signature-credit-card/rewards-redemption.html",
   "title": "Kotak Zen Signature cuts cash redemption to Rs 0.20 per point, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "cut",
   "banks": [
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 196,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/zen-signature-credit-card.html",
   "title": "Kotak Zen Signature ties lounge access to Rs 75,000 quarterly spend, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "cut",
   "banks": [
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 197,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/zen-signature-credit-card.html",
   "title": "Kotak Zen Signature revises fuel surcharge waiver terms, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "change",
   "banks": [
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 0
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  {
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   "url": "https://www.kotak.bank.in/content/dam/Kotak/files/english-rcas.pdf",
   "title": "Kotak changes minimum amount due to 1% of purchases, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "mixed",
   "banks": [
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 0.5
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  {
   "ref": 199,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card.html",
   "title": "Kotak League Platinum caps utility rewards and drops categories, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "cut",
   "banks": [
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 200,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card.html",
   "title": "Kotak League Platinum cuts cash redemption to Rs 0.07 per point, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "cut",
   "banks": [
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 201,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card.html",
   "title": "Kotak League Platinum revises fuel surcharge waiver terms, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "change",
   "banks": [
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  {
   "ref": 202,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-811-credit-card.html",
   "title": "Kotak 811 caps utility rewards and drops categories, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "cut",
   "banks": [
    "Kotak Mahindra"
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   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 203,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-811-credit-card/rewards-redemption.html",
   "title": "Kotak 811 cuts cash redemption to Rs 0.10 per point, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "cut",
   "banks": [
    "Kotak Mahindra"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 204,
   "url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-811-credit-card.html",
   "title": "Kotak 811 revises fuel surcharge waiver terms, Jun 2025",
   "date": "2025-06-01",
   "effective": "2025-06-01",
   "change_type": "change",
   "banks": [
    "Kotak Mahindra"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 0
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  {
   "ref": 205,
   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-hdfc-bank-credit-card/pdf/terms-and-conditions-swiggy-hdfc-bank-credit-card-18092026.pdf",
   "title": "Swiggy HDFC card earns 5% on Amazon and Flipkart grocery from May 2025",
   "date": "2025-05-10",
   "effective": "2025-05-10",
   "change_type": "improvement",
   "banks": [
    "HDFC"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 0
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  {
   "ref": 206,
   "url": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Fuel-transaction-Fee.pdf",
   "title": "IndusInd Bank adds 1% fuel fee above Rs 50,000, May 2025",
   "date": "2025-05-04",
   "effective": "2025-05-04",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
  },
  {
   "ref": 207,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT23CDBE6F27E4444AA0A336DDB2885343/native/ybl_yes_bank_domestic_lounge_access.pdf",
   "title": "Yes Bank raises Marquee and Reserv lounge spend gate to Rs 1,00,000, April 2025",
   "date": "2025-04-01",
   "effective": "2025-04-01",
   "change_type": "cut",
   "banks": [
    "Yes"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 208,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "Club Vistara SBI Card Prime ends renewal and milestone tickets, Apr 2025",
   "date": "2025-04-01",
   "effective": "2025-04-01",
   "change_type": "mixed",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 0.5
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  {
   "ref": 209,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI SimplyCLICK cuts Swiggy rewards from 10X to 5X, Apr 2025",
   "date": "2025-04-01",
   "effective": "2025-04-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 210,
   "url": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
   "title": "IndusInd Bank limits cash redemption to 50% of balance, Apr 2025",
   "date": "2025-04-01",
   "effective": "2025-04-01",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
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  {
   "ref": 211,
   "url": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
   "title": "IndusInd Bank sets Rs 149 fee on cash redemption, Apr 2025",
   "date": "2025-04-01",
   "effective": "2025-04-01",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Apr to Jun 2025",
   "cut_weight": 1
  },
  {
   "ref": 212,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "Air India SBI Signature cuts Air India ticket earn to 10 points, Mar 2025",
   "date": "2025-03-31",
   "effective": "2025-03-31",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
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  {
   "ref": 213,
   "url": "https://www.utkarsh.bank.in/xsite/assests/personal_credit_card/SuperCard_Most_Important_Terms_&_Conditions_MITC.pdf",
   "title": "Utkarsh superCard lowers the FD threshold for the physical card fee to Rs 2,000 in Mar 2025",
   "date": "2025-03-07",
   "effective": "2025-03-07",
   "change_type": "improvement",
   "banks": [
    "Utkarsh"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 0
  },
  {
   "ref": 214,
   "url": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
   "title": "IndusInd Bank ends Legend lounge access, Mar 2025",
   "date": "2025-03-07",
   "effective": "2025-03-07",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
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  {
   "ref": 215,
   "url": "https://www.au.bank.in/notice-board/notice-board-folfder-7/87-most-important-term-conditions-mitc.pdf",
   "title": "AU Altura changes minimum amount due method, Feb 2025",
   "date": "2025-02-15",
   "effective": "2025-02-15",
   "change_type": "change",
   "banks": [
    "AU"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 0
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  {
   "ref": 216,
   "url": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
   "title": "IndusInd Bank ends InterMiles redemption on all cards, Jan 2025",
   "date": "2025-01-21",
   "effective": "2025-01-21",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
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  {
   "ref": 217,
   "url": "https://www.southindianbank.bank.in/userfiles/upload/sib_onecard_credit_card_general_terms_and_conditions.pdf",
   "title": "SIB OneCard needs Rs 750 in each of 3 categories for 5X rewards, Jan 2025",
   "date": "2025-01-06",
   "effective": "2025-01-06",
   "change_type": "cut",
   "banks": [
    "South Indian"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
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  {
   "ref": 218,
   "url": "https://assets.getonecard.app/assets/legal/IndianBank_TnC_1761314458.pdf",
   "title": "Indian Bank OneCard 5X rewards need Rs 750 in each of 3 categories, Jan 2025",
   "date": "2025-01-06",
   "effective": "2025-01-06",
   "change_type": "cut",
   "banks": [
    "Indian"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
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  {
   "ref": 219,
   "url": "https://www.csb.bank.in/pdf/CSB_One_Co-Branded_Credit_Card_TnC_05122024.pdf",
   "title": "CSB OneCard needs Rs 750 in each of 3 categories for 5X rewards, Jan 2025",
   "date": "2025-01-06",
   "effective": "2025-01-06",
   "change_type": "cut",
   "banks": [
    "CSB"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
  },
  {
   "ref": 220,
   "url": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
   "title": "ICICI Bank ties domestic lounge access to Rs 75,000 quarterly spend, Jan 2025",
   "date": "2025-01-01",
   "effective": "2025-01-01",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
  },
  {
   "ref": 221,
   "url": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
   "title": "BOBCARD adds 1% fee on wallet loads and ends points on them, Jan 2025",
   "date": "2025-01-01",
   "effective": "2025-01-01",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
  },
  {
   "ref": 222,
   "url": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
   "title": "BOBCARD adds 1% fees on large utility and fuel transactions, Jan 2025",
   "date": "2025-01-01",
   "effective": "2025-01-01",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
  },
  {
   "ref": 223,
   "url": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
   "title": "BOBCARD removes the 500 point UPI reward cap per cycle, Jan 2025",
   "date": "2025-01-01",
   "effective": "2025-01-01",
   "change_type": "improvement",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 0
  },
  {
   "ref": 224,
   "url": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
   "title": "BOBCARD ties Eterna and Premier lounge access to quarterly spend, Jan 2025",
   "date": "2025-01-01",
   "effective": "2025-01-01",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
  },
  {
   "ref": 225,
   "url": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
   "title": "BOBCARD ends golf benefits on Eterna from January 2025",
   "date": "2025-01-01",
   "effective": "2025-01-01",
   "change_type": "cut",
   "banks": [
    "Bank of Baroda"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
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  {
   "ref": 226,
   "url": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
   "title": "AU raises Priority Pass usage charge to USD 35, Jan 2025",
   "date": "2025-01-01",
   "effective": "2025-01-01",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
  },
  {
   "ref": 227,
   "url": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
   "title": "AU domestic lounge access becomes spend based, Jan 2025",
   "date": "2025-01-01",
   "effective": "2025-01-01",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Jan to Mar 2025",
   "cut_weight": 1
  },
  {
   "ref": 228,
   "url": "https://www.au.bank.in/pdf/credit-card/revision-of-ixigo-au-credit-card-usage-tnc.pdf",
   "title": "ixigo AU sets 1 point per Rs 100 on utility, telecom and insurance, Dec 2024",
   "date": "2024-12-22",
   "effective": "2024-12-22",
   "change_type": "change",
   "banks": [
    "AU"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 0
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  {
   "ref": 229,
   "url": "https://www.au.bank.in/pdf/credit-card/revision-of-ixigo-au-credit-card-usage-tnc.pdf",
   "title": "ixigo AU withdraws reward points on international spends, Dec 2024",
   "date": "2024-12-22",
   "effective": "2024-12-22",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
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  {
   "ref": 230,
   "url": "https://www.au.bank.in/pdf/credit-card/revision-of-ixigo-au-credit-card-usage-tnc.pdf",
   "title": "ixigo AU stops reward points on rent, education, government and BBPS, Dec 2024",
   "date": "2024-12-22",
   "effective": "2024-12-22",
   "change_type": "cut",
   "banks": [
    "AU"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
  },
  {
   "ref": 231,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf",
   "title": "Axis Bank adds 1% fees on wallet, fuel, utility, education and gaming, Dec 2024",
   "date": "2024-12-20",
   "effective": "2024-12-20",
   "change_type": "cut",
   "banks": [
    "Axis"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
  },
  {
   "ref": 232,
   "url": "https://www.indusind.bank.in/in/en/personal/tnc-signature-legend-bonus-rewards-on-spends.html",
   "title": "IndusInd Legend revises bonus points milestone, Dec 2024",
   "date": "2024-12-15",
   "effective": "2024-12-15",
   "change_type": "cut",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
  },
  {
   "ref": 233,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card adds 1% fee on utility payments above Rs 50,000, Dec 2024",
   "date": "2024-12-01",
   "effective": "2024-12-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
  },
  {
   "ref": 234,
   "url": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/list-of-cards-oct24.pdf",
   "title": "SBI Card stops reward points on digital gaming from Dec 2024",
   "date": "2024-12-01",
   "effective": "2024-12-01",
   "change_type": "cut",
   "banks": [
    "SBI Card"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
  },
  {
   "ref": 235,
   "url": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
   "title": "IndusInd Bank changes Legend airport lounge list, Nov 2024",
   "date": "2024-11-15",
   "effective": "2024-11-15",
   "change_type": "change",
   "banks": [
    "IndusInd"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 0
  },
  {
   "ref": 236,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank drops rent, government and education spends from fee waiver, Nov 2024",
   "date": "2024-11-15",
   "effective": "2024-11-15",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
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  {
   "ref": 237,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank caps utility, insurance and grocery rewards on top cards, Nov 2024",
   "date": "2024-11-15",
   "effective": "2024-11-15",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
  },
  {
   "ref": 238,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank caps utility, insurance and grocery rewards on mid cards, Nov 2024",
   "date": "2024-11-15",
   "effective": "2024-11-15",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
  },
  {
   "ref": 239,
   "url": "https://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip/signature-credit-card",
   "title": "MakeMyTrip ICICI Signature gives Priority Pass to new applicants, Nov 2024",
   "date": "2024-11-15",
   "effective": "2024-11-15",
   "change_type": "improvement",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 0
  },
  {
   "ref": 240,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank adds 1% fee on fuel, utility and education payments, Nov 2024",
   "date": "2024-11-15",
   "effective": "2024-11-15",
   "change_type": "cut",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 1
  },
  {
   "ref": 241,
   "url": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
   "title": "ICICI Bank sets 2% forex mark-up on Emeralde cards, Nov 2024",
   "date": "2024-11-15",
   "effective": "2024-11-15",
   "change_type": "change",
   "banks": [
    "ICICI"
   ],
   "quarter": "Oct to Dec 2024",
   "cut_weight": 0
  },
  {
   "ref": 242,
   "url": "https://www.sbicard.com/en/customer-notices.page",
   "title": "SBI Card raises finance charge to 3.75% a month from Nov 2024",
   "date": "2024-11-01",
   "effective": "2024-11-01",
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/reserve-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank ends the Reserve airport transfer service, April 2024",
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  {
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   "url": "https://campaign.axis.bank.in/generic/axis-privilege-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank caps Privilege points transfers by partner group, April 2024",
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  {
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   "title": "Axis Bank changes the Privilege milestone and drops vouchers, April 2024",
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   "title": "Axis Bank widens Privilege milestone and fee waiver exclusions, April 2024",
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   "title": "Axis Bank Privilege stops points on gold and jewellery from April 2024",
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   "change_type": "cut",
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  {
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   "title": "Axis Bank raises the Privilege annual fee waiver spend to Rs 5 lakh, April 2024",
   "date": "2024-04-20",
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   "change_type": "cut",
   "banks": [
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  {
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank splits Magnus points transfers into capped partner groups, April 2024",
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   "title": "Axis Bank cuts Magnus lounge guest visits from 8 to 4, April 2024",
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank Magnus stops points on insurance, gold and fuel from April 2024",
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  {
   "ref": 298,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank ends Magnus movie offer, concierge and meet and assist, April 2024",
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   "ref": 299,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/terms-and-conditions-indian-oil-credit-card.pdf",
   "title": "Axis Bank raises the IndianOil card fee waiver spend to Rs 3.5 lakh, April 2024",
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   "effective": "2024-04-20",
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   "banks": [
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/terms-and-conditions-indian-oil-credit-card.pdf",
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   "banks": [
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   "quarter": "Apr to Jun 2024",
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  {
   "ref": 301,
   "url": "https://campaign.axisbank.com/generic/flipkart-axis-bank-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank sets Flipkart card base cashback at 1% from April 2024",
   "date": "2024-04-20",
   "effective": "2024-04-20",
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  {
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-for-burgundy-terms-and-conditions.pdf",
   "title": "Axis Bank caps Magnus for Burgundy points transfers by group, April 2024",
   "date": "2024-04-20",
   "effective": "2024-04-20",
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   "banks": [
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   "quarter": "Apr to Jun 2024",
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  {
   "ref": 303,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-for-burgundy-terms-and-conditions.pdf",
   "title": "Axis Bank halves Magnus for Burgundy meet and assist services, April 2024",
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  {
   "ref": 304,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-for-burgundy-terms-and-conditions.pdf",
   "title": "Axis Bank cuts Magnus for Burgundy lounge guest visits to 4, April 2024",
   "date": "2024-04-20",
   "effective": "2024-04-20",
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  {
   "ref": 305,
   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-for-burgundy-terms-and-conditions.pdf",
   "title": "Axis Bank Magnus for Burgundy stops points on insurance, gold, fuel, April 2024",
   "date": "2024-04-20",
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  {
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-of-features-of-axis-bank-atlas-credit-card.pdf",
   "title": "Axis Bank halves the Atlas welcome miles for cards sourced from April 2024",
   "date": "2024-04-20",
   "effective": "2024-04-20",
   "change_type": "cut",
   "banks": [
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   "quarter": "Apr to Jun 2024",
   "cut_weight": 1
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  {
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   "url": "https://campaign.axis.bank.in/generic/axis-atlas-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank caps Atlas accelerated travel miles at Rs 2 lakh a month, April 2024",
   "date": "2024-04-20",
   "effective": "2024-04-20",
   "change_type": "cut",
   "banks": [
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   ],
   "quarter": "Apr to Jun 2024",
   "cut_weight": 1
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  {
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   "url": "https://campaign.axis.bank.in/generic/axis-atlas-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank caps Atlas miles transfers by partner group from April 2024",
   "date": "2024-04-20",
   "effective": "2024-04-20",
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   "banks": [
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   "quarter": "Apr to Jun 2024",
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  {
   "ref": 309,
   "url": "https://campaign.axis.bank.in/generic/axis-atlas-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank Atlas drops miles on rent, fuel, utilities and more from April 2024",
   "date": "2024-04-20",
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   "banks": [
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   "quarter": "Apr to Jun 2024",
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  {
   "ref": 310,
   "url": "https://campaign.axis.bank.in/generic/axis-atlas-credit-card-terms-and-conditions.pdf",
   "title": "Axis Bank ends Atlas airport meet and assist and concierge from April 2024",
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  {
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/axis-bank-airtel-terms-and-conditions.pdf",
   "title": "Axis Bank cuts Airtel card cashback caps from INR 300 to INR 250, April 2024",
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/axis-bank-ace-credit-card-tncs.pdf",
   "title": "Axis Bank ACE ends cashback on utility bills outside Google Pay, April 2024",
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   "url": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/axis-bank-ace-credit-card-tncs.pdf",
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   "url": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/list-of-credit-card-mar24.pdf",
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   "quarter": "Apr to Jun 2024",
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  {
   "ref": 315,
   "url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT23CDBE6F27E4444AA0A336DDB2885343/native/ybl_yes_bank_domestic_lounge_access.pdf",
   "title": "Yes Bank ties domestic lounge access to Rs 35,000 quarterly spend, April 2024",
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   "quarter": "Apr to Jun 2024",
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   "url": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/CardName.pdf",
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   "quarter": "Apr to Jun 2024",
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  {
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   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/SelectCVP-1.pdf",
   "title": "IDFC FIRST Bank adds 1% utility fee above Rs 20,000, May 2024",
   "date": "2024-04-01",
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   "change_type": "cut",
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   "quarter": "Apr to Jun 2024",
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   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/SelectCVP-1.pdf",
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   "date": "2024-04-01",
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   "change_type": "cut",
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  {
   "ref": 319,
   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/SelectCVP-1.pdf",
   "title": "IDFC FIRST Bank cuts online rewards to 3X up to Rs 20,000, May 2024",
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   "banks": [
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   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/SelectCVP-1.pdf",
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   "change_type": "cut",
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  {
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   "url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/SelectCVP-1.pdf",
   "title": "IDFC FIRST Bank caps Wealth and Select lounge visits, May 2024",
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   "url": "https://www.csb.bank.in/pdf/Edge_CSB_Bank_RuPay_Credit_Card-MITC_12042024.pdf",
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  {
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   "url": "https://www.sbicard.com/en/customer-notices.page",
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   "change_type": "cut",
   "banks": [
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   "quarter": "Jan to Mar 2024",
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   "url": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
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   "quarter": "Jan to Mar 2024",
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  {
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   "url": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
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   "change_type": "cut",
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   "quarter": "Jan to Mar 2024",
   "cut_weight": 1
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  {
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   "url": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
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   "date": "2024-02-05",
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   "change_type": "change",
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   "quarter": "Jan to Mar 2024",
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  {
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   "url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/infinia-credit-card/rewards-points-program-terms-and-conditions.pdf",
   "title": "HDFC Infinia moves Turkish, Accor and Avianca transfers to 2:1, Jan 2024",
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   "change_type": "cut",
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 ]
}