{
  "dataset": "CardAdvisor — India Credit Card Change History",
  "description": "Every tracked, source-verified change to active Indian credit cards — reward rates, fees, transfer partners, lounge access, milestones and welcome benefits — as one dated changelog. Counted PER AFFECTED CARD: a bank-wide revision touching twenty cards appears as twenty events (card-impact scope). The /changes tracker and the devaluation study count the same record once per distinct change (announcement scope), so their totals are lower, not inconsistent. Announced-but-not-yet-effective changes are included as rows — compare each row's date against today before treating it as in force. Structured facts only: the full editorial write-up of each change lives on https://cardadvisor.in/changes and on the card's own page. Independent, no paid placements. Free to cite with attribution.",
  "publisher": "CardAdvisor",
  "license": "CC BY 4.0",
  "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
  "citation": "CardAdvisor — India Credit Card Change History Dataset v2026-08-16, https://cardadvisor.in/data/v/2026-08-16/changes.json.",
  "source": "https://cardadvisor.in/changes",
  "homepage": "https://cardadvisor.in/data",
  "asOf": "2026-08-13",
  "version": "v2026-08-16",
  "schemaVersion": 3,
  "generatedAt": "2026-08-16T09:31:13.282Z",
  "eventCount": 1617,
  "cardCount": 280,
  "fieldDictionary": {
    "cardKey": "Stable slug; the card detail page is /cards/{cardKey}.",
    "cardName": "Official card name.",
    "issuer": "Issuing bank (display name).",
    "date": "Effective date at whichever precision we can stand behind: 'YYYY-MM-DD', 'YYYY-MM' (day unknown) or 'YYYY' (month unknown).",
    "announced": "Announcement/observation date, when materially different from the effective date.",
    "type": "launch | reward | fee | redemption | lounge | transfer | milestone | welcome | eligibility | network | benefit.",
    "direction": "revaluation (value gained) | devaluation (value lost) | neutral.",
    "magnitude": "major | minor — editorial sizing of the change.",
    "status": "active | reversed (announced then withdrawn before taking effect) | superseded.",
    "title": "One-line summary of the change.",
    "before": "Value before the change, where a clean before/after pair exists.",
    "after": "Value after the change, where a clean before/after pair exists.",
    "confidence": "high (primary / multi-source) | reconstructed (single source or an inferred date).",
    "verificationTier": "official (verified against the issuer's own published document) | research (no public issuer document; stands on CardAdvisor Research).",
    "verificationUrl": "The official issuer document — T&C, MITC, notice or product page (official tier only).",
    "cardUrl": "Canonical card page carrying this card's full value timeline.",
    "noticeId": "Set when the change came from ONE issuer-wide notice applied to many cards. Rows sharing a noticeId are the same real-world announcement — group by it to count issuer actions rather than per-card effects.",
    "actId": "Set when the change is one bank decision applied across cards with per-card variance (different before/after values per card). Rows sharing an actId are ONE distinct change — group by it, as with noticeId, to count issuer actions rather than per-card effects. The two keys share one namespace and never overlap."
  },
  "events": [
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-15",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary memberships renew only if you opt in",
      "before": "Memberships renewed automatically each year",
      "after": "Renewed only with the cardholder's explicit consent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-reserve.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie offer now needs Rs 25,000 of spend in the previous 3 months",
      "before": "Movie offer available to every cardholder, no spend condition",
      "after": "Rs 25,000 of eligible spend in the preceding 3 calendar months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-privilege.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie offer now needs Rs 25,000 of spend in the previous 3 months",
      "before": "Movie offer available to every cardholder, no spend condition",
      "after": "Rs 25,000 of eligible spend in the preceding 3 calendar months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-privilege.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "District movie buy-one-get-one becomes spend-gated",
      "before": "Available to every cardholder each month",
      "after": "Requires ₹25,000 of spend in the previous 3 months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-myzone.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie offer now needs Rs 25,000 of spend in the previous 3 months",
      "before": "Movie offer available to every cardholder, no spend condition",
      "after": "Rs 25,000 of eligible spend in the preceding 3 calendar months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-privilege.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-11-01",
      "announced": "2026-07-29",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie offer now needs Rs 25,000 of spend in the previous 3 months",
      "before": "Movie offer available to every cardholder, no spend condition",
      "after": "Rs 25,000 of eligible spend in the preceding 3 calendar months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-privilege.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-10-01",
      "announced": "2026-07-29",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Excluded categories stop counting toward the Rs 3 lakh milestone bar",
      "before": "All spend counted toward the Rs 3 lakh anniversary threshold",
      "after": "Nine excluded merchant categories no longer count toward it",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2026-10-01",
      "announced": "2026-08-10",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated behind ₹1L of spend in the previous quarter",
      "before": "2 complimentary domestic visits per calendar quarter, unconditional",
      "after": "2 per quarter only if ₹1,00,000 of eligible spend in the preceding calendar quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2026-09-10",
      "announced": "2026-08-10",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Second milestone cut in six months — ₹1.9L tier deleted, ₹7L points traded for a bigger Taj card",
      "before": "₹1.9L→7,500 MR; ₹4L→10,000 MR; ₹7L→22,500 MR + ₹10,000 Taj voucher",
      "after": "₹1.9L→nothing; ₹4L→10,000 MR; ₹7L→₹20,000 Taj Experiences e-Gift Card, no points",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-09-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Standalone fee doubles to ₹1,00,000 for holders below the ₹5 crore relationship bar",
      "before": "₹50,000 + GST",
      "after": "₹1,00,000 + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-miles-more",
      "cardName": "Miles & More Axis Bank World Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-miles-more",
      "cardName": "Miles & More Axis Bank World Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-miles-more",
      "cardName": "Miles & More Axis Bank World Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-spicejet-voyage",
      "cardName": "SpiceJet Axis Bank Voyage Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-spicejet-voyage",
      "cardName": "SpiceJet Axis Bank Voyage Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-spicejet-voyage",
      "cardName": "SpiceJet Axis Bank Voyage Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-miles-more-select",
      "cardName": "Miles & More Axis Bank World Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more-select",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-miles-more-select",
      "cardName": "Miles & More Axis Bank World Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more-select",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-miles-more-select",
      "cardName": "Miles & More Axis Bank World Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more-select",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indigo-premium",
      "cardName": "IndiGo Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo-premium",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indigo-premium",
      "cardName": "IndiGo Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo-premium",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indigo-premium",
      "cardName": "IndiGo Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo-premium",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-signature",
      "cardName": "Samsung Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-signature",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-signature",
      "cardName": "Samsung Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-signature",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-signature",
      "cardName": "Samsung Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-signature",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-google-pay-flex",
      "cardName": "Google Pay Flex Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-google-pay-flex",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-google-pay-flex",
      "cardName": "Google Pay Flex Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-google-pay-flex",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-google-pay-flex",
      "cardName": "Google Pay Flex Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-google-pay-flex",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-lic",
      "cardName": "LIC Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-lic",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-lic",
      "cardName": "LIC Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-lic",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-lic",
      "cardName": "LIC Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-lic",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indianoil-premium",
      "cardName": "IndianOil Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil-premium",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indianoil-premium",
      "cardName": "IndianOil Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil-premium",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indianoil-premium",
      "cardName": "IndianOil Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil-premium",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-primus",
      "cardName": "Axis Bank Primus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-primus",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-cashback",
      "cardName": "Axis Bank Cashback Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-cashback",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-cashback",
      "cardName": "Axis Bank Cashback Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-cashback",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-cashback",
      "cardName": "Axis Bank Cashback Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-cashback",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup rises to 1.8%",
      "before": "1.5% + GST",
      "after": "1.8% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-olympus.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": null,
      "actId": "axis-2026-08-28-dynamic-currency-conversion-markup-rises-to"
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-spicejet-voyage-black",
      "cardName": "SpiceJet Axis Bank Voyage Black Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage-black",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-spicejet-voyage-black",
      "cardName": "SpiceJet Axis Bank Voyage Black Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage-black",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-spicejet-voyage-black",
      "cardName": "SpiceJet Axis Bank Voyage Black Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage-black",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-fibe",
      "cardName": "Fibe Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-fibe",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-fibe",
      "cardName": "Fibe Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-fibe",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-fibe",
      "cardName": "Fibe Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-fibe",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-supermoney",
      "cardName": "Axis Bank SUPERMONEY RuPay Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-supermoney",
      "cardName": "Axis Bank SUPERMONEY RuPay Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-supermoney",
      "cardName": "Axis Bank SUPERMONEY RuPay Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-shoppers-stop",
      "cardName": "Axis Bank Shoppers Stop Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-shoppers-stop",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-shoppers-stop",
      "cardName": "Axis Bank Shoppers Stop Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-shoppers-stop",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-shoppers-stop",
      "cardName": "Axis Bank Shoppers Stop Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-shoppers-stop",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup more than doubles to 3.5%",
      "before": "1.5% + GST",
      "after": "3.5% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup rises to 2%",
      "before": "1.5% + GST",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-magnus.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2026-08-28-dynamic-currency-conversion-markup-rises-to"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New top late-payment slab of Rs 1,300 above Rs 50,000",
      "before": "Rs 1,200 on any total payment due above Rs 10,000",
      "after": "Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass stops working at Indian domestic lounges",
      "before": "Priority Pass accepted at eligible Indian domestic lounges",
      "after": "Credit card + boarding pass only; Priority Pass domestic-invalid in India",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-select.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": "axis-2026-08-28-lounge-memberships-movies",
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-28",
      "announced": "2026-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Tolls and road fees stop earning rewards; gift cards split into their own category",
      "before": "Bridge fees, road fees and tolls earned at the normal rate",
      "after": "No rewards or cashback on bridge fees, road fees and tolls",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://campaign.axis.bank.in/generic/terms-and-conditions-generic-all.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": "axis-2026-08-28-tnc-revision",
      "actId": null
    },
    {
      "cardKey": "sbi-miles",
      "cardName": "SBI Card MILES",
      "issuer": "SBI Card",
      "date": "2026-08-13",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Etihad Guest removed as a transfer partner",
      "before": "Etihad Guest at 1:1; 18 airline partners + 8 hotel partners (26 total)",
      "after": "Etihad Guest removed; 17 airline partners + 8 hotel partners (25 total)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-miles",
      "noticeId": null,
      "actId": "sbi-2026-08-13-etihad-guest-removed-from-miles-transfers"
    },
    {
      "cardKey": "sbi-miles-elite",
      "cardName": "SBI Card Miles Elite",
      "issuer": "SBI Card",
      "date": "2026-08-13",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Etihad Guest removed as a transfer partner",
      "before": "Etihad Guest at 1:1; 18 airline partners + 8 hotel partners (26 total)",
      "after": "Etihad Guest removed; 17 airline partners + 8 hotel partners (25 total)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-miles-elite",
      "noticeId": null,
      "actId": "sbi-2026-08-13-etihad-guest-removed-from-miles-transfers"
    },
    {
      "cardKey": "sbi-miles-prime",
      "cardName": "SBI Card MILES PRIME",
      "issuer": "SBI Card",
      "date": "2026-08-13",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Etihad Guest removed as a transfer partner",
      "before": "Etihad Guest at 1:1; 18 airline partners + 8 hotel partners (26 total)",
      "after": "Etihad Guest removed; 17 airline partners + 8 hotel partners (25 total)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-miles-prime",
      "noticeId": null,
      "actId": "sbi-2026-08-13-etihad-guest-removed-from-miles-transfers"
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 5 EDGE Reward Points : 4 Avios on Burgundy Private",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Select",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Rewards card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 2 EDGE Miles : 1 Avios on the Horizon",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 2 EDGE Miles : 1 Avios on the Atlas",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 1 EDGE Mile : 2 Avios on the Olympus",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 5 EDGE Reward Points : 1 Avios on the Reserve",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 10 EDGE Reward Points : 1 Avios on the Privilege",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-08-05",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Privilege Club returns as a transfer partner",
      "before": "Qatar Airways Privilege Club unavailable — removed 2 April 2026",
      "after": "Privilege Club available again at 5 EDGE Reward Points : 1 Avios on the Magnus",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2026-08-05-qatar-airways-privilege-club-returns-as-a"
    },
    {
      "cardKey": "hdfc-phonepe-uno",
      "cardName": "PhonePe HDFC Bank Uno Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-08-01",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit restructured into five UPI scratch cards",
      "before": "₹249 PhonePe gift voucher on the first UPI transaction, plus ₹25 on each of the next ten (₹499)",
      "after": "Five ₹100 cashback vouchers (scratch cards), one on each of the first five UPI-on-credit-card transactions of ₹100+ in the PhonePe app (₹500)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/phonepe-hdfc-bank-uno-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-uno",
      "noticeId": null,
      "actId": "hdfc-2026-08-01-welcome-benefit-restructured-into-five-upi"
    },
    {
      "cardKey": "hdfc-phonepe-ultimo",
      "cardName": "PhonePe HDFC Bank Ultimo Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-08-01",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit restructured into five UPI scratch cards",
      "before": "₹499 PhonePe gift voucher on the first UPI transaction, plus ₹50 on each of the next ten (₹999)",
      "after": "Five ₹200 cashback vouchers (scratch cards), one on each of the first five UPI-on-credit-card transactions of ₹100+ in the PhonePe app (₹1,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/phonepe-hdfc-bank-ultimo-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-ultimo",
      "noticeId": null,
      "actId": "hdfc-2026-08-01-welcome-benefit-restructured-into-five-upi"
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-07-31",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "IndusInd stops describing the card as having no joining fee",
      "before": "Product page: \"Lifetime Free - Zero Joining Fee & Zero Annual Fee\"",
      "after": "Product page: \"No Annual Fees\"; FAQ: \"only a one-time joining fee applicable\"",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-rupay-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-travelone",
      "cardName": "HSBC TravelOne Credit Card",
      "issuer": "HSBC",
      "date": "2026-07-31",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fee-waiver clause widened — add-on spends count, anniversary year, GST reversed",
      "before": "₹8L on the primary card, measured over the financial year",
      "after": "₹8L across primary + add-on cards, measured over the card anniversary year",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/content/dam/hsbc/in/documents/most-important-terms-and-conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-travelone",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-live-plus",
      "cardName": "HSBC Live+ Credit Card",
      "issuer": "HSBC",
      "date": "2026-07-26",
      "announced": "2026-06-29",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Domestic lounges halved; base-cashback exclusions added",
      "before": "4 domestic lounge visits/yr (1/quarter) · 1.5% earns on hospital, local transport & international spends",
      "after": "2 domestic lounge visits/yr (1/6 months) · no cashback on hospital (MCC 8062), local transport (MCC 4111) or international spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/products/live-plus/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-live-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-live-plus",
      "cardName": "HSBC Live+ Credit Card",
      "issuer": "HSBC",
      "date": "2026-07-26",
      "announced": "2026-06-29",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Live+ upgraded — 10% categories widened, cap raised, Visa Infinite",
      "before": "10% on dining/food-delivery/grocery · ₹1,000/mo cap · 3.5% forex · Visa Platinum",
      "after": "10% adds shopping (excl Amazon/Flipkart/Myntra) & utility bills · ₹1,200/mo cap · 1.99% forex · Visa Infinite",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/products/live-plus/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-live-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-indigo",
      "cardName": "IndiGo IDFC FIRST Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07-22",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "FASTag, railway, government and education cut to 0.5 BluChips",
      "before": "3 BluChips per ₹100 (base rate)",
      "after": "0.5 BluChips per ₹100",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/IndiGo-IDFC-FIRST-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-indigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-private",
      "cardName": "IDFC FIRST Private Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07-17",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Annual fee halved to ₹25,000; 50,000-point commencement benefit",
      "before": "₹50,000 + GST",
      "after": "₹25,000 + GST; 50,000 reward points credited on commencement-fee realization (cards issued on or after 17 Jul 2026)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-private",
      "cardName": "IDFC FIRST Private Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07-17",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Spend-based milestones discontinued",
      "before": "Renewal milestone reward points on annual spend",
      "after": "None — spend-based milestones discontinued",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/credit-card/FIRSTPrivateCreditCard",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary accidental death insurance withdrawn",
      "before": "Air ₹50 lakh + non-air ₹10 lakh accidental death cover",
      "after": "No complimentary accidental death cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": null,
      "actId": "bob-2026-07-15-accidental-death-insurance-withdrawn"
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Accidental death insurance withdrawn",
      "before": "₹15 lakh air + ₹5 lakh non-air accidental death cover",
      "after": "Withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": null,
      "actId": "bob-2026-07-15-accidental-death-insurance-withdrawn"
    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Accidental death insurance withdrawn",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
      "actId": "bob-2026-07-15-accidental-death-insurance-withdrawn"
    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Finance charge raised to 3.75%/month",
      "before": "3.25% (39% p.a.)",
      "after": "3.75% (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
      "actId": "bob-2026-07-15-finance-charge-raised-to-3-75-month"
    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge spend threshold raised to ₹75,000/quarter",
      "before": "₹40,000/quarter",
      "after": "₹75,000/quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
      "actId": "bob-2026-07-15-lounge-spend-threshold-raised-to-75-000"
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel rewards and surcharge waiver restricted to HPCL's eligible-outlet list",
      "before": "Accelerated 24 RP per ₹150 and 1% surcharge waiver at all HPCL fuel outlets",
      "after": "Only at HPCL outlets on the eligible merchant (MID/TID) list HPCL shares with BOBCARD; off-list pumps earn base rate with no waiver",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary accidental death insurance withdrawn",
      "before": "Air + non-air accidental death cover included",
      "after": "No accidental death cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2026-07-15-accidental-death-insurance-withdrawn"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Accidental death insurance withdrawn",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2026-07-15-accidental-death-insurance-withdrawn"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Finance charge raised to 3.75%/month",
      "before": "3.25% (39% p.a.)",
      "after": "3.75% (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2026-07-15-finance-charge-raised-to-3-75-month"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-07-15",
      "announced": "2026-06-17",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge spend threshold raised to ₹75,000/quarter",
      "before": "₹40,000/quarter",
      "after": "₹75,000/quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2026-07-15-lounge-spend-threshold-raised-to-75-000"
    },
    {
      "cardKey": "cheq-au",
      "cardName": "CheQ AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-07",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "CheQ AU becomes lifetime-free",
      "before": "₹499 joining + ₹499 annual, reversible on ₹3 lakh annual spends",
      "after": "Lifetime free (one-time ₹999 + GST applies only to the optional LED Visa variant)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/cheq-au",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-07-03",
      "announced": null,
      "type": "welcome",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Welcome BluChips temporarily doubled",
      "before": "1,200 BluChips",
      "after": "2,400 BluChips + 6E Eats voucher",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
      "noticeId": null,
      "actId": "axis-2026-07-03-welcome-bluchips-temporarily-doubled"
    },
    {
      "cardKey": "au-paytm",
      "cardName": "Paytm AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Paytm AU Credit Card launches as a zero-fee UPI-rewards co-brand",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/paytm-au-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-paytm",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-mmt",
      "cardName": "MakeMyTrip ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access loses its exemption from the ₹75,000 quarterly spend gate",
      "before": "Lounge visits with no spend condition",
      "after": "₹75,000 of spend in the preceding calendar quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-mmt",
      "noticeId": null,
      "actId": "icici-2026-07-01-airport-lounge-access-gated-behind-75-000"
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access became spend-gated (₹60,000/quarter)",
      "before": "2 domestic + 1 international lounge visits per quarter, unconditional",
      "after": "Same 2 + 1 per quarter, but only on ₹60,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Diners-Privilege-Product-Feature-Change.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy brand-voucher earning capped at 3,000 RP/month",
      "before": "Full 4,000 RP/month accelerated pool usable via vouchers",
      "after": "3,000 RP/month sub-cap on Brand Vouchers (GyFTR/Woohoo)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": "hdfc-2026-07-01-smartbuy-brand-voucher-earning-capped"
    },
    {
      "cardKey": "sbi-phonepe-select-black",
      "cardName": "PhonePe SBI Card SELECT BLACK",
      "issuer": "SBI Card",
      "date": "2026-07-01",
      "announced": "2026-04-27",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward-point caps halved and new exclusions added",
      "before": "Flat 2,000 RP/month cap on PhonePe and on online spends",
      "after": "1,500 RP/mo PhonePe (500 RP insurance sub-cap); 1,000 RP/mo online",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/PhonePe-Black-pdf-27Apr2026.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-phonepe-select-black",
      "noticeId": null,
      "actId": "sbi-2026-07-01-reward-caps-cut-and-new-exclusions-added"
    },
    {
      "cardKey": "idfc-indigo",
      "cardName": "IndiGo IDFC FIRST Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "BluChips now forfeited if the minimum due is missed",
      "before": "Credited regardless of payment behaviour",
      "after": "Credited on due date + 1 only if the minimum amount due is paid on time",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/IndiGo-IDFC-FIRST-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-indigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-07-01",
      "announced": "2026-05-15",
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Boarding Edge programme introduced",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/regalia-gold-credit-card/pdfs/regalia-gold-travel-edge-tnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-07-01",
      "announced": "2026-05-15",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access made spend-gated",
      "before": "12 domestic visits/year, unconditional",
      "after": "3 visits/quarter, only if ₹60,000 spent prior quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "SmartBuy brand-voucher earning capped",
      "before": "Up to 4,000 RP/mo via vouchers",
      "after": "3,000 RP/mo via Brand Vouchers",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": null,
      "actId": "hdfc-2026-07-01-smartbuy-brand-voucher-earning-capped"
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2026-07-01",
      "announced": "2026-06-25",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Mumbai Centurion Lounge closes; access moves to Adani lounge",
      "before": "Amex Centurion Lounge, Mumbai T2",
      "after": "Adani Business Class Lounge, Mumbai T2",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-adani-platinum",
      "cardName": "Adani One ICICI Bank Platinum Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-07-01",
      "announced": "2026-04-10",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated behind Rs 75,000/quarter spend",
      "before": "Unconditional (2 visits/quarter, no spend requirement)",
      "after": "Requires Rs 75,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/platinum-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-platinum",
      "noticeId": null,
      "actId": "icici-2026-07-01-airport-lounge-access-gated-behind-75-000"
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy brand-voucher earning capped at 3,000 RP/mo",
      "before": "Up to 10,000 RP/mo via vouchers (Metal)",
      "after": "3,000 RP/mo via Brand Vouchers",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/v2/diners_black_metal/home",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": null,
      "actId": "hdfc-2026-07-01-smartbuy-brand-voucher-earning-capped"
    },
    {
      "cardKey": "au-ananta",
      "cardName": "AU Ananta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ananta",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-paytm",
      "cardName": "Paytm AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-paytm",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "cheq-au",
      "cardName": "CheQ AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/cheq-au",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "sbi-phonepe-purple",
      "cardName": "PhonePe SBI Card PURPLE",
      "issuer": "SBI Card",
      "date": "2026-07-01",
      "announced": "2026-06-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward caps cut and new exclusions added",
      "before": "PhonePe spends capped at 1,000 RP/month; online spends capped at 1,000 RP/month",
      "after": "PhonePe 750 RP/month (250 insurance sub-cap); online 750 RP/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/PhonePe-Purple-pdf-27Apr2026.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-phonepe-purple",
      "noticeId": null,
      "actId": "sbi-2026-07-01-reward-caps-cut-and-new-exclusions-added"
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-tejas",
      "cardName": "AU Tejas Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-tejas",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-cs",
      "cardName": "AU CS Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-cs",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-traverse",
      "cardName": "AU Traverse Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-traverse",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "idfc-swyp",
      "cardName": "IDFC FIRST SWYP Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "milestone",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Education added to special-category milestones, ₹40k tier added",
      "before": "FASTag + railway only; ₹20,000 → 400 points",
      "after": "Education added; ₹20,000 → 400 points, ₹40,000 → 800 points",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-SWYP-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-swyp",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-instapay",
      "cardName": "AU InstaPay Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-instapay",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-prathama",
      "cardName": "AU Prathama Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-prathama",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-nomo",
      "cardName": "AU NOMO Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-nomo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-ca",
      "cardName": "AU CA Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ca",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-kosmo",
      "cardName": "AU Kosmo Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-kosmo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-laksya",
      "cardName": "AU Laksya Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-laksya",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-zenith-plus",
      "cardName": "AU Zenith Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith-plus",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-zenith",
      "cardName": "AU Zenith Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "icici-adani-signature",
      "cardName": "Adani One ICICI Bank Signature Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-07-01",
      "announced": "2026-04-10",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Airport lounge access gated behind ₹75,000/quarter spend",
      "before": "Complimentary, no spend requirement (4 domestic visits/quarter)",
      "after": "₹75,000/quarter spend required",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-signature",
      "noticeId": null,
      "actId": "icici-2026-07-01-airport-lounge-access-gated-behind-75-000"
    },
    {
      "cardKey": "au-altura",
      "cardName": "AU Altura Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate",
      "before": "1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000",
      "after": "1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy brand-voucher earning capped at 3,000 RP/mo",
      "before": "Full 15,000 RP/mo via vouchers",
      "after": "3,000 RP/mo via Brand Vouchers",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/infinia",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2026-07-01-smartbuy-brand-voucher-earning-capped"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-07-01",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Magnus issued lifetime-free to new Burgundy Salary customers",
      "before": "₹12,500 joining + ₹12,500 annual, no salaried carve-out",
      "after": "Nil joining + nil annual for Burgundy Salary onboardings, but no welcome benefit",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/mitc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-flipkart",
      "cardName": "Flipkart SBI Card",
      "issuer": "SBI Card",
      "date": "2026-06-30",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Flipkart-App acquisition offers ended",
      "before": "₹250 e-gift voucher + ₹500 Flipkart e-gift card + ₹500 Cleartrip coupon (Flipkart App applications)",
      "after": "₹250 e-gift voucher only",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/cards/Detailed-TCs-Rs1000.docx.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-indigo",
      "cardName": "IndiGo IDFC FIRST Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "BluChip earning capped at the credit limit per billing cycle",
      "before": "All eligible spend earned BluChips",
      "after": "Only spend up to the assigned credit limit per cycle earns",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/IndiGo-IDFC-FIRST-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-indigo",
      "noticeId": null,
      "actId": "idfc-2026-06-18-cashback-capped-at-your-credit-limit-per"
    },
    {
      "cardKey": "idfc-diamond-reserve",
      "cardName": "IDFC FIRST Diamond Reserve Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Earning capped at the credit limit per billing cycle",
      "before": "All eligible spend earned points",
      "after": "Only spend up to the assigned credit limit per cycle earns",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Diamond-Reserve-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-diamond-reserve",
      "noticeId": null,
      "actId": "idfc-2026-06-18-cashback-capped-at-your-credit-limit-per"
    },
    {
      "cardKey": "idfc-diamond-reserve",
      "cardName": "IDFC FIRST Diamond Reserve Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Movie buy-one-get-one spend-gated",
      "before": "Unconditional, twice a month",
      "after": "Needs ₹20,000 spend in the previous calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Diamond-Reserve-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-diamond-reserve",
      "noticeId": null,
      "actId": "idfc-2026-06-18-movie-buy-one-get-one-spend-gated"
    },
    {
      "cardKey": "idfc-wow-black",
      "cardName": "IDFC FIRST WOW! Black Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie discount gated on staying spend-active",
      "before": "25% off up to ₹100, once a month",
      "after": "Same, but only if you transacted in the previous calendar month",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-WOW-Black-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow-black",
      "noticeId": null,
      "actId": "idfc-2026-06-18-movie-discount-gated-on-staying-spend-active"
    },
    {
      "cardKey": "idfc-wow-black",
      "cardName": "IDFC FIRST WOW! Black Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward earning capped at your credit limit per cycle",
      "before": "All eligible spends earned points",
      "after": "Only spends up to the credit limit per cycle earn points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-WOW-Black-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow-black",
      "noticeId": null,
      "actId": "idfc-2026-06-18-cashback-capped-at-your-credit-limit-per"
    },
    {
      "cardKey": "idfc-gaj",
      "cardName": "IDFC FIRST Gaj Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Earning capped at the credit limit per billing cycle",
      "before": "All eligible spend earned points",
      "after": "Only spend up to the assigned credit limit per cycle earns",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Gaj-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-gaj",
      "noticeId": null,
      "actId": "idfc-2026-06-18-cashback-capped-at-your-credit-limit-per"
    },
    {
      "cardKey": "idfc-mayura",
      "cardName": "IDFC FIRST Mayura Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Earning capped at the credit limit per billing cycle",
      "before": "All eligible spend earned points",
      "after": "Only spend up to the assigned credit limit per cycle earns",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Mayura-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-mayura",
      "noticeId": null,
      "actId": "idfc-2026-06-18-cashback-capped-at-your-credit-limit-per"
    },
    {
      "cardKey": "idfc-mayura",
      "cardName": "IDFC FIRST Mayura Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Movie buy-one-get-one spend-gated",
      "before": "Unconditional, twice a month",
      "after": "Needs ₹20,000 spend in the previous calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Mayura-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-mayura",
      "noticeId": null,
      "actId": "idfc-2026-06-18-movie-buy-one-get-one-spend-gated"
    },
    {
      "cardKey": "idfc-earn",
      "cardName": "IDFC FIRST EA₹N Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cashback capped at your credit limit per cycle",
      "before": "All eligible spends earned cashback",
      "after": "Only spends up to the credit limit per cycle earn cashback",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-EARN-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-earn",
      "noticeId": null,
      "actId": "idfc-2026-06-18-cashback-capped-at-your-credit-limit-per"
    },
    {
      "cardKey": "idfc-earn",
      "cardName": "IDFC FIRST EA₹N Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie discount gated on staying spend-active",
      "before": "25% off up to ₹100, once a month",
      "after": "Same, but only if you transacted in the previous calendar month",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-EARN-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-earn",
      "noticeId": null,
      "actId": "idfc-2026-06-18-movie-discount-gated-on-staying-spend-active"
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": "2026-05-13",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Points get 24-month expiry + credit-limit earn cap",
      "before": "Points never expired; no per-cycle earn cap; movie BOGO ungated",
      "after": "24-month expiry; rewards capped to credit limit/cycle; movie BOGO needs ₹20k spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/personal-banking/Important-Communication-Rewards-Wealth",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": "idfc-2026-06-18-points-get-24-month-expiry-credit-limit"
    },
    {
      "cardKey": "idfc-swyp",
      "cardName": "IDFC FIRST SWYP Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Movie discount gated on staying spend-active",
      "before": "25% off up to ₹100, once a month",
      "after": "Same, but only if you transacted in the previous calendar month",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-SWYP-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-swyp",
      "noticeId": null,
      "actId": "idfc-2026-06-18-movie-discount-gated-on-staying-spend-active"
    },
    {
      "cardKey": "idfc-swyp",
      "cardName": "IDFC FIRST SWYP Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward earning capped at your credit limit per cycle",
      "before": "All eligible spends counted toward milestones",
      "after": "Only spends up to the credit limit per cycle earn points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-SWYP-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-swyp",
      "noticeId": null,
      "actId": "idfc-2026-06-18-cashback-capped-at-your-credit-limit-per"
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": "2026-05-13",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Points get 24-month expiry + credit-limit earn cap",
      "before": "Points never expired; no per-cycle earn cap; movie BOGO ungated; 10X only on incremental spend above ₹20,000/cycle",
      "after": "24-month expiry; credit-limit earn cap; movie BOGO needs ₹20k spend; 10X now category-based (dining/travel/international) from the first rupee",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": "idfc-2026-06-18-points-get-24-month-expiry-credit-limit"
    },
    {
      "cardKey": "idfc-ashva",
      "cardName": "IDFC FIRST Ashva Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Movie BOGO spend-gated; earn capped to credit limit",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-ashva",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-classic",
      "cardName": "IDFC FIRST Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": "2026-05-13",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Moved to category rewards; base cut ₹150→₹200",
      "before": "1 RP per ₹150; 10X above ₹20k/mo, 3X below",
      "after": "1 RP per ₹200; 10X dining/travel/intl, 3X other, 1X utility/rail/insurance/FASTag",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-classic",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-classic",
      "cardName": "IDFC FIRST Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": "2026-05-13",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Points get 24-month expiry + credit-limit earn cap",
      "before": "Points never expired; no per-cycle earn cap; movie BOGO ungated",
      "after": "24-month expiry; points only up to credit limit/cycle; movie BOGO needs ₹20k spend",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-classic",
      "noticeId": null,
      "actId": "idfc-2026-06-18-points-get-24-month-expiry-credit-limit"
    },
    {
      "cardKey": "idfc-millennia",
      "cardName": "IDFC FIRST Millennia Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": "2026-05-13",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "In-app travel accelerators trimmed (hotels & flights)",
      "before": "33% bonus on hotels, 13% bonus on flights",
      "after": "20% bonus on hotels, 10% bonus on flights",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-millennia",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-millennia",
      "cardName": "IDFC FIRST Millennia Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-06-18",
      "announced": "2026-05-13",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Points get 24-month expiry + credit-limit earn cap",
      "before": "Points never expired; no per-cycle earn cap",
      "after": "24-month expiry; rewards capped to credit limit per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/images/credit-card/cc-details-image/pdf/FIRST%20Millennia%20Product%20Guide.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-millennia",
      "noticeId": null,
      "actId": "idfc-2026-06-18-points-get-24-month-expiry-credit-limit"
    },
    {
      "cardKey": "yes-private",
      "cardName": "YES Private Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Branch cash-deposit fee raised from 100 to 500 rupees",
      "before": "₹100 + GST on a repayment of ₹1,000 or more",
      "after": "₹500 + GST on a repayment of ₹1,000 or more",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-private",
      "noticeId": null,
      "actId": "yes-2026-06-15-service-fees-raised"
    },
    {
      "cardKey": "yes-private",
      "cardName": "YES Private Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver floor raised to 500 rupees",
      "before": "₹400 to ₹5,000",
      "after": "₹500 to ₹5,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-private",
      "noticeId": null,
      "actId": "yes-2026-06-15-fuel-waiver-band-narrowed"
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Dynamic Currency Conversion fee doubled to 2%",
      "before": "1% mark-up + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel-fee threshold cut from ₹50,000 to ₹30,000/cycle",
      "before": "1% + GST above ₹50,000 per cycle",
      "after": "1% + GST above ₹30,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% surcharge on transport spends above ₹40,000/cycle",
      "before": "No transport surcharge",
      "after": "1% + GST above ₹40,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-1-fee-on-transport-spends-above-40-000"
    },
    {
      "cardKey": "indusind-pioneer-legacy",
      "cardName": "IndusInd Bank Pioneer Legacy Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New transport surcharge; late-payment grid raised",
      "before": "No transport surcharge; lower late-payment grid",
      "after": "1% + GST on transport above ₹40,000/cycle; steeper late-payment slabs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-legacy",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-transport-surcharge-late-payment-grid"
    },
    {
      "cardKey": "indusind-epay-amex",
      "cardName": "IndusInd Bank ePay Amex Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic Currency Conversion fee doubled 1% → 2%",
      "before": "1% + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-epay-amex",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-epay-amex",
      "cardName": "IndusInd Bank ePay Amex Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fee threshold cut ₹50,000 → ₹30,000 a cycle",
      "before": "1% + GST above ₹50,000/cycle",
      "after": "1% + GST above ₹30,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-epay-amex",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-epay-amex",
      "cardName": "IndusInd Bank ePay Amex Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on transport spends above ₹40,000 a cycle",
      "before": "No transport fee",
      "after": "1% + GST above ₹40,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-epay-amex",
      "noticeId": "indusind-2026-06-15-revision",
      "actId": null
    },
    {
      "cardKey": "indusind-jio-bp",
      "cardName": "IndusInd Bank Jio-bp Mobility+ Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic Currency Conversion fee doubled 1% → 2%",
      "before": "1% + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-jio-bp",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-jio-bp",
      "cardName": "IndusInd Bank Jio-bp Mobility+ Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel fee threshold cut ₹50,000 → ₹30,000 — on a fuel card",
      "before": "1% + GST above ₹50,000/cycle",
      "after": "1% + GST above ₹30,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-jio-bp",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-jio-bp",
      "cardName": "IndusInd Bank Jio-bp Mobility+ Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on transport spends above ₹40,000 a cycle",
      "before": "No transport fee",
      "after": "1% + GST above ₹40,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-jio-bp",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-1-fee-on-transport-spends-above-40-000"
    },
    {
      "cardKey": "yes-private-prime",
      "cardName": "YES Private Prime Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash-advance, auto-debit-failure and cash-deposit charges raised",
      "before": "Cash advance 2.5% or ₹500; auto-debit failure 2% or ₹450, capped at ₹1,500 per statement; branch cash deposit ₹100",
      "after": "Cash advance 2.5% or ₹650; auto-debit failure 2.5% or ₹500, capped at ₹5,000 per statement; branch cash deposit ₹500",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-private-prime",
      "noticeId": null,
      "actId": "yes-2026-06-15-service-fees-raised"
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% surcharge on transport spends above ₹40,000/cycle",
      "before": "No transport surcharge",
      "after": "1% + GST above ₹40,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-1-fee-on-transport-spends-above-40-000"
    },
    {
      "cardKey": "indusind-indulge",
      "cardName": "IndusInd Bank Indulge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New transport surcharge; late-payment grid revised",
      "before": "No transport surcharge",
      "after": "1% + GST transport surcharge above ₹40k/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-indulge",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-transport-surcharge-late-payment-grid"
    },
    {
      "cardKey": "indusind-crest",
      "cardName": "IndusInd Bank Crest Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New transport surcharge; late-payment grid raised",
      "before": "No transport surcharge; lower late-payment grid",
      "after": "1% + GST on transport above ₹40,000/cycle; steeper late-payment slabs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-crest",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-transport-surcharge-late-payment-grid"
    },
    {
      "cardKey": "indusind-eazydiner-platinum",
      "cardName": "EazyDiner IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic Currency Conversion fee doubled 1% → 2%",
      "before": "1% + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner-platinum",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-eazydiner-platinum",
      "cardName": "EazyDiner IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fee threshold cut ₹50,000 → ₹30,000 a cycle",
      "before": "1% + GST above ₹50,000/cycle",
      "after": "1% + GST above ₹30,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner-platinum",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-eazydiner-platinum",
      "cardName": "EazyDiner IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on transport spends above ₹40,000 a cycle",
      "before": "No transport fee",
      "after": "1% + GST above ₹40,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner-platinum",
      "noticeId": "indusind-2026-06-15-revision",
      "actId": null
    },
    {
      "cardKey": "indusind-cred",
      "cardName": "CRED IndusInd Bank RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic Currency Conversion fee doubled 1% → 2%",
      "before": "1% + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-cred",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-cred",
      "cardName": "CRED IndusInd Bank RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fee threshold cut ₹50,000 → ₹30,000 a cycle",
      "before": "1% + GST above ₹50,000/cycle",
      "after": "1% + GST above ₹30,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-cred",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-cred",
      "cardName": "CRED IndusInd Bank RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on transport spends above ₹40,000 a cycle",
      "before": "No transport fee",
      "after": "1% + GST above ₹40,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-cred",
      "noticeId": "indusind-2026-06-15-revision",
      "actId": null
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% surcharge on transport spends above ₹40,000/cycle",
      "before": "No transport surcharge",
      "after": "1% + GST above ₹40,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-1-fee-on-transport-spends-above-40-000"
    },
    {
      "cardKey": "indusind-duo",
      "cardName": "IndusInd Bank Duo Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic Currency Conversion fee doubled 1% → 2%",
      "before": "1% + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-duo",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-duo",
      "cardName": "IndusInd Bank Duo Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel fee threshold cut ₹50,000 → ₹30,000 a cycle",
      "before": "1% + GST above ₹50,000/cycle",
      "after": "1% + GST above ₹30,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-duo",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-duo",
      "cardName": "IndusInd Bank Duo Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": "2026-05-13",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on transport spends above ₹40,000 a cycle",
      "before": "No transport fee",
      "after": "1% + GST above ₹40,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-duo",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-1-fee-on-transport-spends-above-40-000"
    },
    {
      "cardKey": "indusind-samman",
      "cardName": "IndusInd Bank Samman Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Dynamic Currency Conversion fee doubled to 2%",
      "before": "1% mark-up + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-samman",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-samman",
      "cardName": "IndusInd Bank Samman Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel-fee threshold cut from ₹50,000 to ₹30,000/cycle",
      "before": "1% + GST above ₹50,000 per cycle",
      "after": "1% + GST above ₹30,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-samman",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-samman",
      "cardName": "IndusInd Bank Samman Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% surcharge on transport spends above ₹40,000/cycle",
      "before": "No transport surcharge",
      "after": "1% + GST above ₹40,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-samman",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-1-fee-on-transport-spends-above-40-000"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Dynamic Currency Conversion fee doubled to 2%",
      "before": "1% mark-up + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel-fee threshold cut from ₹50,000 to ₹30,000/cycle",
      "before": "1% + GST above ₹50,000 per cycle",
      "after": "1% + GST above ₹30,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% surcharge on transport spends above ₹40,000/cycle",
      "before": "No transport surcharge",
      "after": "1% + GST above ₹40,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-1-fee-on-transport-spends-above-40-000"
    },
    {
      "cardKey": "indusind-solitaire",
      "cardName": "IndusInd Bank Indus Solitaire Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Late-payment charges waived; exempted from the new surcharges",
      "before": "Late-payment charges applied per the standard grid",
      "after": "Late-payment charges waived; no fuel or transport surcharge",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-solitaire",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash-advance, auto-debit-failure and cash-deposit fees raised",
      "before": "Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 · branch cash deposit ₹100",
      "after": "Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 · branch cash deposit ₹500",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2026-06-15-service-fees-raised"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": "2026-06-23",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Forex markup raised from 2.75% to 3.50%",
      "before": "2.75%",
      "after": "3.50%",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2026-06-15-forex-markup-raised-to-2-00"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver band narrowed to ₹500–₹3,000",
      "before": "₹400 to ₹5,000 per transaction",
      "after": "₹500 to ₹3,000 per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2026-06-15-fuel-waiver-band-narrowed"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward exclusions widen; select categories shrink to utilities + streaming",
      "before": "Insurance, education, railways, toll, ferry and jewellery earned points; select categories included insurance and education",
      "after": "No points on insurance, education, railways, toll, ferry or jewellery; select categories now only utilities (MCC 4900) and cable/streaming (MCC 4899)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/select-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2026-06-15-reward-exclusions-widen-select-categories"
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash-advance, auto-debit-failure and cash-deposit fees raised",
      "before": "Cash advance 2.5% or ₹500; auto-debit failure 2% or ₹450 (capped ₹1,500 a statement); branch cash deposit ₹100",
      "after": "Cash advance 2.5% or ₹650; auto-debit failure 2.5% or ₹500 (capped ₹5,000 a statement); branch cash deposit ₹500",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": "yes-2026-06-15-service-fees-raised"
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver band narrowed to ₹500–₹3,000",
      "before": "₹400 to ₹5,000 per transaction",
      "after": "₹500 to ₹3,000 per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": "yes-2026-06-15-fuel-waiver-band-narrowed"
    },
    {
      "cardKey": "indusind-legend",
      "cardName": "IndusInd Bank Legend Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New fuel/transport surcharges and higher DCC fee",
      "before": "No fuel/transport surcharge; 1% + GST DCC",
      "after": "1% + GST fuel >₹30k/cycle; 1% + GST transport >₹40k/cycle; DCC 2% + GST",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-legend",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "A ₹100 fee now applies every time you redeem reward points",
      "before": "No charge to redeem",
      "after": "₹100 + GST per redemption",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": "yes-2026-06-15-a-100-fee-now-applies-every-time-you-redeem"
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash-advance, auto-debit-failure and cash-deposit charges raised",
      "before": "Cash advance 2.5% or 500 rupees; auto-debit failure 2% or 450 rupees capped at 1,500; branch cash deposit 100 rupees",
      "after": "Cash advance 2.5% or 650 rupees; auto-debit failure 2.5% or 500 rupees capped at 5,000; branch cash deposit 500 rupees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": "yes-2026-06-15-revision",
      "actId": null
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Forex markup raised from 1.75% to 2.00%",
      "before": "1.75% + GST",
      "after": "2.00% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": "yes-2026-06-15-forex-markup-raised-to-2-00"
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver band narrowed to 500 to 4,000",
      "before": "400 to 5,000 rupees",
      "after": "500 to 4,000 rupees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": "yes-2026-06-15-fuel-waiver-band-narrowed"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash-advance, auto-debit and deposit fees raised",
      "before": "Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 (capped ₹1,500 a statement) · branch cash deposit ₹100 · card re-issuance ₹100",
      "after": "Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 (capped ₹5,000 a statement) · branch cash deposit ₹500 · cheque deposit ₹250 · card re-issuance ₹199",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2026-06-15-service-fees-raised"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Forex markup raised 2.75% to 3.50%",
      "before": "2.75%",
      "after": "3.50%",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2026-06-15-forex-markup-raised-to-2-00"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver window narrowed to ₹500–₹3,000",
      "before": "₹400 to ₹5,000 per transaction",
      "after": "₹500 to ₹3,000 per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2026-06-15-fuel-waiver-band-narrowed"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward exclusions widen; select categories shrink to utilities + streaming",
      "before": "Insurance, education, railways, toll, ferry and jewellery earned points; select categories included insurance and education",
      "after": "No points on insurance, education, railways, toll, ferry or jewellery or UPI transactions; select categories now only utilities (MCC 4900) and cable/streaming (MCC 4899)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/ace-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2026-06-15-reward-exclusions-widen-select-categories"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash-advance, auto-debit-failure, cash-deposit and reissuance fees raised",
      "before": "Cash advance 2.5% or ₹500 · auto-debit failure 2% or ₹450 · cash deposit ₹100 · reissuance ₹100",
      "after": "Cash advance 2.5% or ₹650 · auto-debit failure 2.5% or ₹500 · cash deposit ₹500 · reissuance ₹199",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2026-06-15-service-fees-raised"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Forex markup raised from 2.75% to 3.00%",
      "before": "2.75%",
      "after": "3.00%",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2026-06-15-forex-markup-raised-to-2-00"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver window narrowed",
      "before": "₹400 to ₹5,000 per transaction",
      "after": "₹500 to ₹4,000 per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2026-06-15-fuel-waiver-band-narrowed"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward exclusions widen; select categories shrink to utilities + streaming",
      "before": "Insurance, education, railways, toll, ferry and jewellery earned points; select categories included insurance and education",
      "after": "No points on insurance, education, railways, toll, ferry or jewellery; select categories now only utilities (MCC 4900) and cable/streaming (MCC 4899)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/elite-plus-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2026-06-15-reward-exclusions-widen-select-categories"
    },
    {
      "cardKey": "indusind-nexxt",
      "cardName": "IndusInd Bank Nexxt Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "New fuel, transport & DCC fees",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-nexxt",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-essence",
      "cardName": "YES Bank Essence Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash-advance, auto-debit-failure and cash-deposit charges raised",
      "before": "Cash advance 2.5% or 500 rupees; auto-debit failure 2% or 450 rupees capped at 1,500; branch cash deposit 100 rupees",
      "after": "Cash advance 2.5% or 650 rupees; auto-debit failure 2.5% or 500 rupees capped at 5,000; branch cash deposit 500 rupees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-essence",
      "noticeId": "yes-2026-06-15-revision",
      "actId": null
    },
    {
      "cardKey": "yes-essence",
      "cardName": "YES Bank Essence Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Forex markup raised from 2.75% to 3.00%",
      "before": "2.75% + GST",
      "after": "3.00% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-essence",
      "noticeId": null,
      "actId": "yes-2026-06-15-forex-markup-raised-to-2-00"
    },
    {
      "cardKey": "yes-essence",
      "cardName": "YES Bank Essence Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver band narrowed to 500 to 4,000",
      "before": "400 to 5,000 rupees",
      "after": "500 to 4,000 rupees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-essence",
      "noticeId": null,
      "actId": "yes-2026-06-15-fuel-waiver-band-narrowed"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Dynamic Currency Conversion fee doubled to 2%",
      "before": "1% mark-up + taxes",
      "after": "2% + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2026-06-15-dynamic-currency-conversion-fee-doubled-to-2"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel-fee threshold cut from ₹50,000 to ₹30,000/cycle",
      "before": "1% + GST above ₹50,000 per cycle",
      "after": "1% + GST above ₹30,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2026-06-15-fuel-fee-threshold-cut-50-000-30-000-a-cycle"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% surcharge on transport spends above ₹40,000/cycle",
      "before": "No transport surcharge",
      "after": "1% + GST above ₹40,000 per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/credit-cards/MITC_Premium.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2026-06-15-new-1-fee-on-transport-spends-above-40-000"
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "A ₹100 fee now applies every time you redeem reward points",
      "before": "No charge to redeem",
      "after": "₹100 + GST per redemption",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2026-06-15-a-100-fee-now-applies-every-time-you-redeem"
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash-advance, auto-debit-failure and cash-deposit charges raised",
      "before": "Cash advance 2.5% or 500 rupees; auto-debit failure 2% or 450 rupees capped at 1,500; branch cash deposit 100 rupees",
      "after": "Cash advance 2.5% or 650 rupees; auto-debit failure 2.5% or 500 rupees capped at 5,000; branch cash deposit 500 rupees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": "yes-2026-06-15-revision",
      "actId": null
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver band narrowed to 500 to 5,000",
      "before": "400 to 5,000 rupees",
      "after": "500 to 5,000 rupees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2026-06-15-fuel-waiver-band-narrowed"
    },
    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Portfolio-wide surcharges added: fuel, transport, DCC & interest",
      "before": "No cumulative fuel/transport/DCC surcharge",
      "after": "1%+GST fuel over ₹50,000/cycle; 1%+GST transport over ₹40,000/cycle; 1%+GST DCC",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-ananta",
      "cardName": "AU Ananta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ananta",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-paytm",
      "cardName": "Paytm AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-paytm",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "cheq-au",
      "cardName": "CheQ AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/cheq-au",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-tejas",
      "cardName": "AU Tejas Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-tejas",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-cs",
      "cardName": "AU CS Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-cs",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-traverse",
      "cardName": "AU Traverse Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-traverse",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-instapay",
      "cardName": "AU InstaPay Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-instapay",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-prathama",
      "cardName": "AU Prathama Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-prathama",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-nomo",
      "cardName": "AU NOMO Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-nomo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-ca",
      "cardName": "AU CA Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ca",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-kosmo",
      "cardName": "AU Kosmo Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-kosmo",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-laksya",
      "cardName": "AU Laksya Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-laksya",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-zenith-plus",
      "cardName": "AU Zenith Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith-plus",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-zenith",
      "cardName": "AU Zenith Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-altura",
      "cardName": "AU Altura Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-06-14",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fair-usage charge on transportation spends",
      "before": "No transportation fair-usage charge",
      "after": "1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": "au-2026-fair-usage",
      "actId": null
    },
    {
      "cardKey": "yes-private",
      "cardName": "YES Private Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated, and free on this card",
      "before": "Withdrawn since 1 May 2025 - spends above the sanctioned limit were declined",
      "after": "Available again, with the 550 rupee charge waived on YES Private",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-private",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Everyday UPI / base earning made uncapped",
      "before": "Capped ~₹1,000-worth of Jewels/month",
      "after": "Uncapped — 5 Jewels/₹100 on unlimited UPI & other spend",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://jupiter.money/edge-plus-upi-rupay-credit-card/",
      "cardUrl": "https://cardadvisor.in/cards/jupiter-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Jewel value split — statement credit / bill payment cut ~30%",
      "before": "₹0.20 per Jewel (all redemptions)",
      "after": "₹0.14 for statement credit / bill payment; ₹0.20 elsewhere",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://jupiter.money/edge-plus-upi-rupay-credit-card/",
      "cardUrl": "https://cardadvisor.in/cards/jupiter-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Travel accelerator gutted — OTAs to base, Jupiter Flights cut and capped",
      "before": "35 Jewels/₹100 (~7%) incl. MMT/Yatra/EMT/Cleartrip, uncapped",
      "after": "OTAs at base 5 Jewels/₹100; Jupiter Flights 25 Jewels/₹100, cap 5,000/cycle",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/jupiter-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-private-prime",
      "cardName": "YES Private Prime Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated at a flat ₹550 charge",
      "before": "Withdrawn — spends above the sanctioned limit were declined",
      "after": "Available again, flat ₹550 + GST per over-limit transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-private-prime",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "indusind-tiger",
      "cardName": "IndusInd Bank Tiger Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-06-01",
      "announced": "2026-05-28",
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Air India Maharaja Club 1:1 transfers go live",
      "before": "No airline transfer partner",
      "after": "Points → Air India Maharaja Club at 1:1 (up to 25,000 pts/month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.com/in/en/personal/air-india-tnc.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-tiger",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated",
      "before": "Withdrawn since 1 May 2025 — transactions above the limit declined",
      "after": "Reinstated, ₹550 + GST charge per over-limit transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reintroduced",
      "before": "Withdrawn — transactions above the limit declined",
      "after": "Allowed up to a bank-set threshold, ₹550 + GST per over-limit transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated, at 550 rupees a transaction",
      "before": "Withdrawn since 1 May 2025 - spends above the sanctioned limit were declined",
      "after": "Available again, at a flat 550 rupee charge per over-limit transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated at a ₹550 charge",
      "before": "Withdrawn — spends above the sanctioned limit were declined",
      "after": "Available on eligible accounts; ₹550 + GST per over-limit transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated, at ₹550 a time",
      "before": "Withdrawn — spends above the limit declined",
      "after": "Available again, ₹550 + GST per instance",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-essence",
      "cardName": "YES Bank Essence Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated, at 550 rupees a transaction",
      "before": "Withdrawn since 1 May 2025 - spends above the sanctioned limit were declined",
      "after": "Available again, at a flat 550 rupee charge per over-limit transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-essence",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2026-06-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Over-limit facility reinstated, at 550 rupees a transaction",
      "before": "Withdrawn since 1 May 2025 - spends above the sanctioned limit were declined",
      "after": "Available again, at a flat 550 rupee charge per over-limit transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2026-06-01-over-limit-reinstated"
    },
    {
      "cardKey": "hdfc-phonepe-uno",
      "cardName": "PhonePe HDFC Bank Uno Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-uno",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Base earn rate cut ~25% (per ₹150 → per ₹200)",
      "before": "4 Reward Points per ₹150 (~1.33% at ₹0.50/point)",
      "after": "4 Reward Points per ₹200 (~1% at ₹0.50/point)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Diners-Privilege-Product-Feature-Change.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": "hdfc-2026-05-15-base-earn-rate-cut"
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Dynamic Currency Conversion markup revised to 1.75%",
      "before": null,
      "after": "1.75% on INR-billed international / foreign-registered transactions",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Diners-Privilege-Product-Feature-Change.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-marriott-bonvoy",
      "cardName": "Marriott Bonvoy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-marriott-bonvoy",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-go",
      "cardName": "HDFC PIXEL Go Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-go",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-upi-rupay",
      "cardName": "HDFC Bank UPI RuPay Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-upi-rupay",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-ultimo",
      "cardName": "PhonePe HDFC Bank Ultimo Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-ultimo",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-blck",
      "cardName": "Swiggy BLCK HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-blck",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Base earn rate cut ~25% (per ₹150 → per ₹200)",
      "before": "1 CashPoint per ₹150",
      "after": "1 CashPoint per ₹200",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/freedom-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": null,
      "actId": "hdfc-2026-05-15-base-earn-rate-cut"
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Base earn rate cut",
      "before": "4 RP per ₹150 (~1.33%)",
      "after": "5 RP per ₹200 (~1.25%)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/regalia-gold-credit-card/rewards-points-terms-and-conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": null,
      "actId": "hdfc-2026-05-15-base-earn-rate-cut"
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "INR-DCC markup and card-replacement fee added",
      "before": "No INR-DCC surcharge; free replacement",
      "after": "1.75% DCC markup + ₹199 reissue fee",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card/fees-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Earn rate cut ~25%: per ₹150 raised to per ₹200",
      "before": "20 CashPoints per ₹150 (10X); 2 per ₹150 (base)",
      "after": "20 CashPoints per ₹200 (10X); 2 per ₹200 (base)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/moneyback-plus-credit-card/pdf/MBPlus-TnCs.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": null,
      "actId": "hdfc-2026-05-15-base-earn-rate-cut"
    },
    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-play",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-orange",
      "cardName": "Swiggy Ornge HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-orange",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop-black",
      "cardName": "Shoppers Stop Black HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop-black",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-indianoil",
      "cardName": "IndianOil HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-indianoil",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-05-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Dynamic currency conversion markup raised to 1.75%",
      "before": "1% markup",
      "after": "1.75% markup",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "rbl-patanjali-vishisht",
      "cardName": "RBL Bank Patanjali Vishisht Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-05-10",
      "announced": "2026-05",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone spend thresholds more than doubled",
      "before": "Voucher at ₹2.5L spend; wellness stay at ₹4L spend",
      "after": "Voucher at ₹7L spend; wellness stay at ₹10L spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-patanjali-vishisht-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/rbl-patanjali-vishisht",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-patanjali-swarn",
      "cardName": "RBL Bank Patanjali Swarn Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-05-10",
      "announced": "2026-05",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone spend thresholds tripled, and the Patanjali minimums rose more than tenfold",
      "before": "Voucher at ₹3L total spend (₹12,000 minimum at Patanjali); wellness stay at ₹5L total (₹15,000 Patanjali minimum)",
      "after": "Voucher at ₹9L total spend (₹1.5L minimum at Patanjali); wellness stay at ₹12L total (₹2.5L Patanjali minimum)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/rbl-bank-patanjali-swarn-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/rbl-patanjali-swarn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-cashback-plus-prime",
      "cardName": "Kotak Cashback+ Prime Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2026-05-08",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak Cashback+ Prime launched — Cashback+ with an auto-dealer accelerator",
      "before": null,
      "after": "5% on online food/grocery/entertainment and auto dealers, 3% fuel, 0.5% base",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-cashback-plus-prime",
      "noticeId": null,
      "actId": "kotak-2026-05-08-kotak-air-prime-launched-air-with-an-auto"
    },
    {
      "cardKey": "kotak-air-plus-prime",
      "cardName": "Kotak Air+ Prime Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2026-05-08",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak Air+ Prime launched — Air+ with an auto-dealer accelerator",
      "before": null,
      "after": "5 Air Miles per ₹100 on Unbox travel and auto dealers, 2 per ₹100 base",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-air-plus-prime",
      "noticeId": null,
      "actId": "kotak-2026-05-08-kotak-air-prime-launched-air-with-an-auto"
    },
    {
      "cardKey": "au-ananta",
      "cardName": "AU Ananta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-05-04",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Ananta launches as part of a four-card cluster",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/ananta-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-ananta",
      "noticeId": null,
      "actId": "au-2026-05-04-four-card-launch"
    },
    {
      "cardKey": "au-tejas",
      "cardName": "AU Tejas Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-05-04",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Tejas launches as part of a four-card cluster",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/tejas-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-tejas",
      "noticeId": null,
      "actId": "au-2026-05-04-four-card-launch"
    },
    {
      "cardKey": "au-prathama",
      "cardName": "AU Prathama Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-05-04",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Prathama launches as AU's cheapest first card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/prathama-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-prathama",
      "noticeId": null,
      "actId": "au-2026-05-04-four-card-launch"
    },
    {
      "cardKey": "au-laksya",
      "cardName": "AU Laksya Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-05-04",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Laksya launches as part of a four-card cluster",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/laksya-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-laksya",
      "noticeId": null,
      "actId": "au-2026-05-04-four-card-launch"
    },
    {
      "cardKey": "sbi-bpcl",
      "cardName": "BPCL SBI Card",
      "issuer": "SBI Card",
      "date": "2026-05-01",
      "announced": "2026-03-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fee-waiver spend threshold doubled",
      "before": "₹50,000 annual spend",
      "after": "₹1,00,000 annual spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-bpcl",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-essence",
      "cardName": "YES Bank Essence Credit Card",
      "issuer": "YES Bank",
      "date": "2026-05",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "YES Bank Essence launches as a women-focused lifestyle rewards card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-essence",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "cheq-au",
      "cardName": "CheQ AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-28",
      "announced": "2026-04-15",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "CheQ AU Credit Card launched — India's first co-branded LED card",
      "before": null,
      "after": "Up to 12% CheQ-points on utilities, partner brands & CheQ Travel via the app; ₹499 fee (waived at ₹3L); RuPay UPI-linkable",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdfs/press-release/2026/Press-Release-CheQ-and-AU-Small-Finance-Bank-launch-Indias-First-Co-branded-LED-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/cheq-au",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kiwi",
      "cardName": "Kiwi RuPay Credit Card",
      "issuer": "YES Bank",
      "date": "2026-04-23",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "PNB added — Kiwi's first public-sector issuer",
      "before": null,
      "after": "+ Punjab National Bank",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kiwi",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-04-21",
      "announced": "2026-03-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "₹249 minimum per Swiggy transaction for 10% cashback",
      "before": "₹100 per transaction",
      "after": "₹249 per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/swiggy-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-04-18",
      "announced": "2026-03-18",
      "type": "redemption",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cashback starts adjusting within the same billing cycle",
      "before": "Credited in the following billing cycle",
      "after": "Adjusted within the same billing cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/swiggy-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-04-17",
      "announced": "2026-03-18",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cleartrip joins the 5% online cashback bucket",
      "before": "No Cleartrip benefit",
      "after": "5% cashback on Cleartrip, inside the existing 5% online ₹1,500/cycle cap",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/swiggy-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-04-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance CashPoints cap tightened from per-day to per-month",
      "before": "Capped at 2,000 CashPoints per DAY",
      "after": "Capped at 2,000 CashPoints per MONTH",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-play",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-04-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "The 1% base rate stops being unlimited — capped at 15,000 CashPoints a month",
      "before": "1% Unlimited CashPoints",
      "after": "1% capped at 15,000 CashPoints per calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-play",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-13",
      "announced": "2026-04-03",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge spend-gate raised ₹20,000 → ₹50,000/quarter",
      "before": "₹20,000/quarter for 2 visits",
      "after": "₹50,000/quarter for 2 visits",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-13",
      "announced": "2026-04-03",
      "type": "milestone",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New quarterly milestone benefit added",
      "before": "None",
      "after": "5,000 bonus reward points on ₹75,000 spend per calendar quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-13",
      "announced": "2026-04-03",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward rate flattened; transportation and off-ixigo travel spends excluded",
      "before": "10 RP/₹200 online, 5 RP/₹200 offline",
      "after": "Flat rate across online, offline and UPI (CardInsider states it as \"2.5%\" per ₹200, replacing the two-tier online/offline structure)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-13",
      "announced": "2026-04-03",
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "ixigo flight and hotel discount caps tripled",
      "before": "10% instant discount up to ₹1,000/month each",
      "after": "10% instant discount up to ₹3,000/month each",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-12",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "10% partners switched to Zomato/Blinkit/District, paid as partner-wallet value-back",
      "before": "10% cashback on Swiggy, Zomato & BigBasket (to card statement)",
      "after": "10% value-back on Zomato, Blinkit & District Movies (to partner wallet), ₹200/partner/month, ₹499 min order",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf?sfvrsn=9deed8c1_5",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": null,
      "actId": "axis-2026-04-12-10-partners-switched-to-zomato-blinkit"
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-12",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Complimentary domestic lounge access discontinued",
      "before": "4 complimentary domestic visits/year (spend-gated)",
      "after": "None",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf?sfvrsn=9deed8c1_5",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": null,
      "actId": "axis-2026-04-12-complimentary-domestic-lounge-access"
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-12",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fixed ₹250 caps replaced by spend-linked 2×/1× base-cashback caps",
      "before": "Flat ₹250/month per category",
      "after": "25% capped at 2× and 10% at 1× the base (1%) cashback earned that month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-for-airtel-cbcc-cvp.pdf?sfvrsn=9deed8c1_5",
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": null,
      "actId": "axis-2026-04-12-fixed-250-caps-replaced-by-spend-linked-2-1"
    },
    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-04-11",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Limited-edition FIFA World Cup 2026 design variant added",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/fifa-pixel-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-play",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation-category spends stop earning rewards",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge spend-gate raised to ₹50,000/quarter",
      "before": "₹20,000 minimum spend per calendar quarter (since 2025-01-01)",
      "after": "₹50,000 minimum spend per calendar quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": "au-2026-04-10-domestic-lounge-spend-gate-raised-to-50-000"
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
      "before": "Transportation spends earned base reward points",
      "after": "No rewards on transportation MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic lounge spend-gate raised ₹20,000 → ₹50,000/quarter",
      "before": "2 domestic lounge visits/quarter, gated on ₹20,000 spend in the prior quarter",
      "after": "2 domestic lounge visits/quarter, gated on ₹50,000 spend in the prior quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2026-04-10-domestic-lounge-spend-gate-raised-to-50-000"
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
      "before": "Transportation spends earned reward points",
      "after": "No reward points on transportation MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-traverse",
      "cardName": "AU Traverse Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation-category spends stop earning reward points",
      "before": "Rail, transit, toll and similar transportation MCCs earned reward points",
      "after": "11 transportation MCCs excluded from reward earning",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-traverse",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Airport-lounge spend-gate raised ₹20,000 → ₹50,000/quarter",
      "before": "₹20,000 previous-quarter spend for 2 domestic lounge visits",
      "after": "₹50,000 previous-quarter spend for 2 domestic lounge visits",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": null,
      "actId": "au-2026-04-10-domestic-lounge-spend-gate-raised-to-50-000"
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning cashback",
      "before": "Transportation spends earned milestone cashback",
      "after": "No cashback on transportation MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge spend-gate raised to ₹50,000/quarter",
      "before": "₹20,000 minimum spend per calendar quarter",
      "after": "₹50,000 minimum spend per calendar quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
      "noticeId": null,
      "actId": "au-2026-04-10-domestic-lounge-spend-gate-raised-to-50-000"
    },
    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation-category spends stop earning cashback",
      "before": "1% cashback earned on transportation spend (rail, transit, tolls and similar MCCs)",
      "after": "transportation MCCs excluded from the 1% cashback",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-nomo",
      "cardName": "AU NOMO Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
      "before": "Transportation spends earned the standard 2 RP/₹100 retail rate",
      "after": "No rewards on transportation MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/zenith-credit-card/revision-of-usage-terms-and-conditions_jan_25-4.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-nomo",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-ca",
      "cardName": "AU CA Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning reward points",
      "before": "Rail, transit, toll and related transportation MCCs earned rewards under Travel",
      "after": "Rail, transit, tolls and 11 named transportation MCCs (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523) excluded from earning",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/ca-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-ca",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
      "before": "Transportation spends earned cashback/points",
      "after": "No rewards on transportation MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/altura-plus-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-kosmo",
      "cardName": "AU Kosmo Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
      "before": "Transportation spends earned base cashback",
      "after": "No rewards on transportation MCCs",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-kosmo",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-zenith-plus",
      "cardName": "AU Zenith Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
      "before": "Transportation-category spends earned reward points",
      "after": "No reward points on transportation MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith-plus",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-altura",
      "cardName": "AU Altura Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
      "before": "Transportation spends earned cashback",
      "after": "No rewards on transportation MCCs",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-altura",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-04-10",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Transportation spends stop earning rewards",
      "before": "Transportation spends earned base/pack rewards",
      "after": "No rewards on transportation MCCs",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2026-04-10-transport-mcc-exclusion"
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE transfer partners culled — Burgundy Private alone keeps 5:4 ratio",
      "before": "Accor Live Limitless, Marriott Bonvoy, Qatar Airways Privilege Club at 5:4",
      "after": "British Airways, Finnair, Vietnam Airlines Lotusmiles at 5:4 (ratio retained, partners downgraded)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE Reward Points transfer-partner roster culled",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE Reward Points transfer-partner roster culled",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Accor, Marriott and Qatar removed as transfer partners",
      "before": "Accor, Marriott Bonvoy and Qatar Airways transferable 1:1",
      "after": "All three removed; replacement partners (British Airways, Finnair, Vietnam Airlines) added at 2:1",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Accor, Marriott and Qatar removed as transfer partners",
      "before": "Accor / Marriott / Qatar available; Atlas transfers 1:2",
      "after": "Those three removed; British Airways, Finnair, Vietnam Airlines added at 2:1 for Atlas",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/miles-transfer/",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "EDGE Miles transfer cull halves the Avios ratio",
      "before": "1 EDGE Mile : 4 Avios",
      "after": "1 EDGE Mile : 2 Avios",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE Reward Points transfer-partner roster culled",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Remaining milestone benefits discontinued",
      "before": "Annual ₹15L milestone (25,000 EDGE Reward Points)",
      "after": "Milestones discontinued",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-card-tnc/terms-and-conditions-for-magnus-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2026-04-02-remaining-milestone-benefits-discontinued"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-02",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Transfer program gutted — Accor, Marriott and Qatar removed",
      "before": "Accor, Marriott and Qatar Airways in the partner set at 5:2",
      "after": "All three removed; BA, Finnair and Lotusmiles added at 5:1",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/miles-transfer/",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2026-04-02-transfer-partner-cull"
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "sbi-landmark-prime",
      "cardName": "Landmark Rewards SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped, any amount",
      "after": "Max 60,000 pts/month, in 4,000-pt multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-prime",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-doctors",
      "cardName": "Doctor's SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-shaurya-select",
      "cardName": "Shaurya Select SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya-select",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "indusind-pioneer-legacy",
      "cardName": "IndusInd Bank Pioneer Legacy Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access becomes spend-gated at ₹1.5 lakh a quarter",
      "before": "Complimentary domestic visits, no spend condition",
      "after": "₹1.5 lakh previous-quarter spend to unlock each domestic visit",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/current-account/Revision-in-PIONEER-program-benefitsandcharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-legacy",
      "noticeId": null,
      "actId": "indusind-2026-04-01-lounge-spend-gate-150k"
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary movie discount",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-irctc",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "icici-adani-platinum",
      "cardName": "Adani One ICICI Bank Platinum Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Movie discount available unconditionally",
      "after": "Requires Rs 25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/platinum-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-platinum",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary movie benefit",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/expressions-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Ungated — 25% off up to ₹100 on BookMyShow and INOX, twice a month",
      "after": "Same discount, but requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "kotak-white",
      "cardName": "Kotak White Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Lounge access spend-gated at ₹1,00,000 a quarter",
      "before": "2 complimentary airport lounge visits a quarter, unconditional",
      "after": "₹1,00,000 spend in a calendar quarter unlocks 2 visits the next quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://images.kotak.bank.in/bank/mailers/2026/files/WhiteFees&Charges.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-white",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-white",
      "cardName": "Kotak White Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transportation & education dropped from White Pass milestone maths",
      "before": "Transportation and education spends counted toward White Pass milestones",
      "after": "Both categories excluded from the milestone calculation",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://images.kotak.bank.in/bank/mailers/2026/files/WhiteFees&Charges.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-white",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Unlimited domestic lounge access gated behind ₹1.5L quarterly spend",
      "before": "Unlimited domestic lounge access, unconditional",
      "after": "Unlimited — but only if ₹1,50,000 spent in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Lounge-Terms-and-Conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2026-04-01-lounge-spend-gate-150k"
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-04-01",
      "announced": "2026-03-11",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SonyLIV renewal milestone replaced by 1,000 EDGE points",
      "before": "SonyLIV Premium renewal (~₹1,499)",
      "after": "1,000 EDGE points (~₹200)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-myzone-credit-card.pdf?sfvrsn=6b8ed8a4_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": "axis-2026-04-01-sonyliv-renewal-milestone-replaced-by-1-000"
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-titan",
      "cardName": "Titan SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-titan",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-cashback",
      "cardName": "SBI Cashback Credit Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-03-02",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Second devaluation — ₹4,000 combined cap, sub-caps and new exclusions",
      "before": "₹5,000/cycle combined cap",
      "after": "₹2,000 online + ₹2,000 offline = ₹4,000/cycle; 5% stops at ₹40,000 online",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-cashback",
      "noticeId": null,
      "actId": "sbi-2026-04-01-second-devaluation-4-000-combined-cap-sub"
    },
    {
      "cardKey": "sbi-simply-save",
      "cardName": "SBI SimplySAVE Credit Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped and forced into 4,000-point blocks",
      "before": "Any point balance, no monthly ceiling",
      "after": "Max 60,000 points/month, only in multiples of 4,000 (₹1,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-save",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Unrestricted RP redemption to statement credit",
      "after": "Max 60,000 RP/month, in 4,000-point multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary",
      "after": "Requires ₹25,000 spend in previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "sbi-doctors-ima",
      "cardName": "Doctor's SBI Card (in Association with IMA)",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors-ima",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-landmark",
      "cardName": "Landmark Rewards SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped, any amount",
      "after": "Max 60,000 pts/month, in 4,000-pt multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Complimentary lounge visits halved",
      "before": "2 domestic + 2 international per quarter",
      "after": "1 domestic + 1 international per quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-hello-cashback",
      "cardName": "IDFC FIRST Hello Cashback Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-04",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Zero-joining-fee introductory offer extended to 31 August 2026",
      "before": "₹0 intro offer, originally slated to end 31 March 2026",
      "after": "₹0 intro offer extended — now valid till 31 August 2026 (standing fee ₹1,000)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/credit-card/hello-cashback-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hello-cashback",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-landmark-select",
      "cardName": "Landmark Rewards SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped, any amount",
      "after": "Max 60,000 pts/month, in 4,000-pt multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-select",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge access gated behind ₹1.5L quarterly spend",
      "before": "1 complimentary domestic visit per quarter, unconditional",
      "after": "1 per quarter — only if ₹1,50,000 spent in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Lounge-Terms-and-Conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2026-04-01-lounge-spend-gate-150k"
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-04-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Metal card replaced with plastic",
      "before": "Metal card",
      "after": "Plastic card (features unchanged)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/current-account/Revision-in-PIONEER-program-benefitsandcharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-unnati",
      "cardName": "SBI Card Unnati",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-unnati",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "sbi-shaurya",
      "cardName": "Shaurya SBI Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-cashback",
      "cardName": "BOBCARD Cashback Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cashback",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-04-01",
      "announced": "2025-12-18",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic airport lounge halved to 1/quarter",
      "before": "2 per quarter",
      "after": "1 per quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-aurum",
      "cardName": "SBI Card AURUM",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped, any amount",
      "after": "≤60,000 pts/month, in 4,000-pt multiples",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-aurum",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary buy-one-get-one, twice a month",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-adani-signature",
      "cardName": "Adani One ICICI Bank Signature Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-04-01",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary buy-one-get movie offer, twice a month",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/signature-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-signature",
      "noticeId": null,
      "actId": "icici-2026-04-01-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped & blocked into 4,000-point multiples",
      "before": "Unrestricted statement-credit redemption, any point quantity",
      "after": "Max 60,000 RP/month; redeemable only in multiples of 4,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/reward-points-redemption.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2026-04-01-statement-credit-redemption-cap"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on toll/bus, high-value rail and third-party education spends",
      "before": "None",
      "after": "1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/nfkmkemd/revision-in-product-features-charges-wef-1st-april-26v1.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2026-04-01-processing-fees-added-on-toll-bus-high"
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-04-01",
      "announced": "2026-02-26",
      "type": "eligibility",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Retention tightened — ₹18L spend or ₹50L relationship",
      "before": "No published spend or relationship test for continued access",
      "after": "₹18L card spend OR ₹50L relationship value",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2026-04-01-retention-tightened-18l-spend-or-50l"
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
      "date": "2026-03-21",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Shopping 10% category re-capped and gift cards / bills / groceries excluded",
      "before": "₹1,500/month, ₹500/merchant; broad category",
      "after": "₹2,000/month, ₹600/merchant, ₹200/txn; exclusions added",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/jupiter-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-marriott-bonvoy",
      "cardName": "Marriott Bonvoy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-03-12",
      "announced": null,
      "type": "redemption",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Free Night Award top-up limit raised to 25,000 points",
      "before": "Top up a Free Night certificate with up to 15,000 points",
      "after": "Top up a Free Night certificate with up to 25,000 points",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-marriott-bonvoy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-blck",
      "cardName": "Swiggy BLCK HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-03-12",
      "announced": "2026-03-07",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Swiggy BLCK launched as the premium tier of the split Swiggy HDFC card",
      "before": "Single Swiggy HDFC Bank Credit Card (₹500)",
      "after": "Swiggy BLCK (₹1,000, premium) + Swiggy Ornge (₹500, entry)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/swiggy-blck-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-blck",
      "noticeId": null,
      "actId": "hdfc-2026-03-12-swiggy-blck-launched-as-the-premium-tier-of"
    },
    {
      "cardKey": "hdfc-swiggy-orange",
      "cardName": "Swiggy Ornge HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-03-12",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Swiggy Ornge HDFC Bank Credit Card launched (Swiggy card split into Ornge + BLCK)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/swiggy-ornge-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-orange",
      "noticeId": null,
      "actId": "hdfc-2026-03-12-swiggy-blck-launched-as-the-premium-tier-of"
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-03-10",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Golf benefit restructured to 1 game + 1 lesson per month",
      "before": null,
      "after": "1 complimentary game + 1 complimentary lesson per month",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/celesta-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-crest",
      "cardName": "IndusInd Bank Crest Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-03-10",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Complimentary golf halved to 2 games and 2 lessons a month",
      "before": "4 games and 4 lessons a month",
      "after": "2 games and 2 lessons a month",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-crest",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2026-03-09",
      "announced": "2026-02-04",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Major milestone devaluation — Taj voucher pushed to ₹7L",
      "before": "₹1.9L→15,000 MR; ₹4L→25,000 MR + ₹10,000 Taj voucher",
      "after": "₹1.9L→7,500 MR; ₹4L→10,000 MR; ₹7L→22,500 MR + ₹10,000 Taj voucher",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/credit-cards/platinum-travel-credit-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2026-03-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "School and education spends stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on MCC 5111, 5192, 5942, 5943, 5947, 8211, 8220, 8241, 8244, 8299, 8351",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": "sbi-2026-03-09-school-and-education-spends-stop-earning"
    },
    {
      "cardKey": "sbi-paytm",
      "cardName": "Paytm SBI Card",
      "issuer": "SBI Card",
      "date": "2026-03-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "School and education spends stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on MCC 5111, 5192, 5942, 5943, 5947, 8211, 8220, 8241, 8244, 8299, 8351",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm",
      "noticeId": null,
      "actId": "sbi-2026-03-09-school-and-education-spends-stop-earning"
    },
    {
      "cardKey": "indusind-pioneer-legacy",
      "cardName": "IndusInd Bank Pioneer Legacy Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-03-05",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Golf cut to 2 a month and counted per customer, not per card",
      "before": "4 games and 4 lessons a month, tiered by course type",
      "after": "2 games and lessons a month at any course, capped per customer",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/current-account/Revision-in-PIONEER-program-benefitsandcharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-legacy",
      "noticeId": null,
      "actId": "indusind-2026-03-05-golf-cut-to-2-a-month-and-counted-per"
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-03-05",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Golf capped at 4 a month and counted per customer, not per card",
      "before": "Separate premium / regular course tiers, capped per card",
      "after": "4 games and lessons a month at any course, capped per customer",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/current-account/Revision-in-PIONEER-program-benefitsandcharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": null,
      "actId": "indusind-2026-03-05-golf-cut-to-2-a-month-and-counted-per"
    },
    {
      "cardKey": "scapia-federal",
      "cardName": "Scapia Credit Card",
      "issuer": "Federal Bank",
      "date": "2026-02-27",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Insurance and utility spends dropped from earning",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.federal.bank.in/scapia",
      "cardUrl": "https://cardadvisor.in/cards/scapia-federal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "scapia-federal",
      "cardName": "Scapia Credit Card",
      "issuer": "Federal Bank",
      "date": "2026-02-27",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge spend gate doubled to ₹20,000/month",
      "before": "₹10,000/month",
      "after": "₹20,000/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.federal.bank.in/scapia",
      "cardUrl": "https://cardadvisor.in/cards/scapia-federal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-travelone",
      "cardName": "HSBC TravelOne Credit Card",
      "issuer": "HSBC",
      "date": "2026-02-19",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "4 chauffeur airport transfers added for 2026",
      "before": "None",
      "after": "4 complimentary chauffeur transfers/year (1 per quarter)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hsbc-travelone",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-indigo",
      "cardName": "IndiGo Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-02-18",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndiGo Axis Bank Credit Card launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/unlock-more-with-every-swipe-axis-bank-and-indigo-unveil-co-branded-credit-cards-to-redefine-travel-and-lifestyle-experiences",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo",
      "noticeId": null,
      "actId": "axis-2026-02-18-indigo-axis-bank-credit-card-launches"
    },
    {
      "cardKey": "axis-indigo-premium",
      "cardName": "IndiGo Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-02-18",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndiGo Axis Bank Premium Credit Card launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/press-releases/unlock-more-with-every-swipe-axis-bank-18-02-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indigo-premium",
      "noticeId": null,
      "actId": "axis-2026-02-18-indigo-axis-bank-credit-card-launches"
    },
    {
      "cardKey": "idfc-hello-cashback",
      "cardName": "IDFC FIRST Hello Cashback Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-02-16",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST Hello Cashback launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/hello-cashback-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hello-cashback",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transport-category earning capped",
      "before": "Transport spends earned uncapped",
      "after": "Transport rewards capped at ₹10,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "icici-platinum",
      "cardName": "ICICI Bank Platinum Chip Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transport-category earning capped",
      "before": "Transport spends earned uncapped",
      "after": "Transport rewards capped at ₹10,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-platinum",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transport-category earning capped",
      "before": "Transport spends earned uncapped",
      "after": "Transport rewards capped at ₹20,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transport-category earning capped",
      "before": "Transport spends earned uncapped",
      "after": "Transport rewards capped at ₹20,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transport-category earning capped",
      "before": "Transport spends earned uncapped",
      "after": "Transport rewards capped at ₹10,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transport-category earning capped",
      "before": "Transport spends earned uncapped",
      "after": "Transport rewards capped at ₹10,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "kotak-air",
      "cardName": "Kotak Air Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2026-02",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak Air launched — entry rung of the Air Miles travel family",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-air",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2026-02-01",
      "announced": "2026-02-02",
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Reward Multiplier e-voucher portal moved Gyftr → ShopWise",
      "before": "Gyftr",
      "after": "ShopWise",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/rewards-programs/reward-multiplier/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transport-category earning capped",
      "before": "Transport spends earned uncapped",
      "after": "Transport rewards capped at ₹20,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "rbl-world-safari-lite",
      "cardName": "RBL Bank World Safari Lite Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-02",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "World Safari Lite launched — the affordable 0% forex sibling",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-world-safari-lite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2026-02-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Reward Multiplier portal migrated to ShopWise",
      "before": "Gyftr",
      "after": "ShopWise (Giftstacc)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Transport-category earning capped",
      "before": "Transport spends earned uncapped",
      "after": "Transport rewards capped at ₹20,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "icici-hpcl-super-saver",
      "cardName": "ICICI HPCL Super Saver Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-02-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance-category earning capped",
      "before": "Insurance spends earned uncapped",
      "after": "Insurance rewards capped at ₹40,000 per statement cycle",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-super-saver",
      "noticeId": "icici-2026-02-01-per-cycle-earning-caps",
      "actId": null
    },
    {
      "cardKey": "idfc-mayura",
      "cardName": "IDFC FIRST Mayura Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "International earn halved to 5X",
      "before": "10X (10 RP per ₹150)",
      "after": "5X (5 RP per ₹150)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-mayura",
      "noticeId": null,
      "actId": "idfc-2026-01-18-international-earn-halved"
    },
    {
      "cardKey": "idfc-wow",
      "cardName": "IDFC FIRST WOW! Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Second base-earn cut — re-pegged from ₹150 to ₹200, FASTag/railway to 1X",
      "before": "4 pts / ₹150",
      "after": "4 pts / ₹200",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-WOW-Credit-Card-Important-Update.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow",
      "noticeId": null,
      "actId": "idfc-2026-01-18-base-earn-repegged-200"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bonus reward points on travel booked in the IDFC FIRST app",
      "before": "No app-booking bonus",
      "after": "50X bonus on hotels, 30X bonus on flights",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Power-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2026-01-18-app-travel-accelerators"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage fees on heavy FASTag and railway spends",
      "before": "No FASTag or railway spend fee",
      "after": "1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Power-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2026-01-18-fair-usage-fees-on-heavy-fastag-and-railway"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Whole cycle's reward points forfeited if minimum due is missed",
      "before": "Points accrued regardless of payment behaviour",
      "after": "No points for any cycle where the minimum amount due is unpaid by the due date",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Power-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2026-01-18-whole-cycle-s-reward-points-forfeited-if"
    },
    {
      "cardKey": "idfc-lic-classic",
      "cardName": "LIC Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bonus reward points on travel booked in the IDFC FIRST app",
      "before": "No app-booking bonus",
      "after": "45X bonus on hotels, 20X bonus on flights",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/LIC-Classic-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-classic",
      "noticeId": null,
      "actId": "idfc-2026-01-18-app-travel-accelerators"
    },
    {
      "cardKey": "idfc-lic-classic",
      "cardName": "LIC Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "FASTag folded into the capped Essentials bucket",
      "before": "FASTag earned 3X outside the Essentials ceiling",
      "after": "FASTag counts within Essentials — still 3X, but sharing its 300 RP/cycle ceiling",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/LIC-Classic-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-classic",
      "noticeId": null,
      "actId": "idfc-2026-01-18-fastag-folded-into-the-capped-essentials"
    },
    {
      "cardKey": "idfc-lic-classic",
      "cardName": "LIC Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage fees on heavy FASTag and railway spends",
      "before": "No FASTag or railway spend fee",
      "after": "1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/LIC-Classic-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-classic",
      "noticeId": null,
      "actId": "idfc-2026-01-18-fair-usage-fees-on-heavy-fastag-and-railway"
    },
    {
      "cardKey": "idfc-lic-classic",
      "cardName": "LIC Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Whole cycle's reward points forfeited if minimum due is missed",
      "before": "Points accrued regardless of payment behaviour",
      "after": "No points for any cycle where the minimum amount due is unpaid by the due date",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/LIC-Classic-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-classic",
      "noticeId": null,
      "actId": "idfc-2026-01-18-whole-cycle-s-reward-points-forfeited-if"
    },
    {
      "cardKey": "idfc-lic-select",
      "cardName": "LIC Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bonus reward points on travel booked in the IDFC FIRST app",
      "before": "No app-booking bonus",
      "after": "45X bonus on hotels, 20X bonus on flights",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/LIC-Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-select",
      "noticeId": null,
      "actId": "idfc-2026-01-18-app-travel-accelerators"
    },
    {
      "cardKey": "idfc-lic-select",
      "cardName": "LIC Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "FASTag folded into the capped Essentials bucket",
      "before": "FASTag earned 5X outside the Essentials ceiling",
      "after": "FASTag counts within Essentials — still 5X, but sharing its 600 RP/cycle ceiling",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/LIC-Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-select",
      "noticeId": null,
      "actId": "idfc-2026-01-18-fastag-folded-into-the-capped-essentials"
    },
    {
      "cardKey": "idfc-lic-select",
      "cardName": "LIC Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage fees on heavy FASTag and railway spends",
      "before": "No FASTag or railway spend fee",
      "after": "1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/LIC-Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-select",
      "noticeId": null,
      "actId": "idfc-2026-01-18-fair-usage-fees-on-heavy-fastag-and-railway"
    },
    {
      "cardKey": "idfc-lic-select",
      "cardName": "LIC Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Whole cycle's reward points forfeited if minimum due is missed",
      "before": "Points accrued regardless of payment behaviour",
      "after": "No points for any cycle where the minimum amount due is unpaid by the due date",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/LIC-Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-select",
      "noticeId": null,
      "actId": "idfc-2026-01-18-whole-cycle-s-reward-points-forfeited-if"
    },
    {
      "cardKey": "idfc-digital-rupay",
      "cardName": "IDFC FIRST Digital RuPay Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Earn re-pegged: 1 point per ₹200 for the lifetime-free family",
      "before": "1 reward point per ₹150 for all eligible primaries",
      "after": "1 point per ₹200 when attached to Millennia/Classic/Select/Wealth/Family/WOW!/WOW! Black/Business Multiplier; ₹150 retained for Private/Ashva/Mayura/Diamond Reserve/FIRST Business",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/credit-card/rupay-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-digital-rupay",
      "noticeId": null,
      "actId": "idfc-2026-01-18-base-earn-repegged-200"
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "FASTag & railway spends cut to 1X, plus high-usage fees",
      "before": "Earned at base rate, counted toward 10X threshold",
      "after": "1X only; excluded from 10X threshold; 1% high-usage fee",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": "idfc-2026-01-18-fastag-railway-spends-cut-to-1x-plus-high"
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "In-app travel accelerators added (33% hotel / 13% flight)",
      "before": "No app-booking bonus",
      "after": "33% bonus RP on hotels, 13% bonus RP on flights (IDFC FIRST app)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": "idfc-2026-01-18-app-travel-accelerators"
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward base cut ₹150→₹200 per point (~25%)",
      "before": "1 reward point per ₹150",
      "after": "1 reward point per ₹200",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Select-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": "idfc-2026-01-18-base-earn-repegged-200"
    },
    {
      "cardKey": "idfc-ashva",
      "cardName": "IDFC FIRST Ashva Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "International earn halved; top rate spend-gated",
      "before": "10X (10 RP/₹150)",
      "after": "5X (5 RP/₹150)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-ashva",
      "noticeId": null,
      "actId": "idfc-2026-01-18-international-earn-halved"
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bonus reward points on travel booked in the IDFC FIRST app",
      "before": "No app-booking bonus",
      "after": "50X bonus on hotels, 30X bonus on flights",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Power-Plus-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": "idfc-2026-01-18-app-travel-accelerators"
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage fees on heavy FASTag and railway spends",
      "before": "No FASTag or railway spend fee",
      "after": "1% fee above ₹10,000 FASTag or ₹25,000 railway per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Power-Plus-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": "idfc-2026-01-18-fair-usage-fees-on-heavy-fastag-and-railway"
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Whole cycle's reward points forfeited if minimum due is missed",
      "before": "Points accrued regardless of payment behaviour",
      "after": "No points for any cycle where the minimum amount due is unpaid by the due date",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Power-Plus-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": "idfc-2026-01-18-whole-cycle-s-reward-points-forfeited-if"
    },
    {
      "cardKey": "idfc-millennia",
      "cardName": "IDFC FIRST Millennia Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-18",
      "announced": "2025-12-18",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "FASTag & railway spends cut to 1X, plus high-usage fees",
      "before": "Earned at card rate, counted toward 10X threshold",
      "after": "1X only; excluded from 10X threshold; 1% high-usage fee",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-millennia",
      "noticeId": null,
      "actId": "idfc-2026-01-18-fastag-railway-spends-cut-to-1x-plus-high"
    },
    {
      "cardKey": "au-cs",
      "cardName": "AU CS Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-01-17",
      "announced": null,
      "type": "eligibility",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Bank signs MoU with ICSI, opening the door to a CS-specific credit card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdfs/press-release/2026/Press-Release_AU-Small-Finance-Bank-and-ICSI-Partnership.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-cs",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2026-01-16",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "reversed",
      "title": "Gyftr voucher cut (5X→3X) announced, then reversed",
      "before": "5X on Gyftr vouchers",
      "after": "5X retained (change withdrawn)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2026-01-16-gyftr-voucher-cut-5x-3x-announced-then"
    },
    {
      "cardKey": "icici-mmt",
      "cardName": "MakeMyTrip ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Dynamic Currency Conversion fee introduced",
      "before": "No separate DCC fee",
      "after": "0.99% DCC fee",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-mmt",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-amazon-pay",
      "cardName": "Amazon Pay ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New wallet, gaming & transport transaction fees",
      "before": "No such fees",
      "after": "1% wallet loads ≥₹5,000; 2% skill-based gaming; 1% transport >₹50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icicibank.com/personal-banking/cards/credit-card/amazon-pay-credit-card/terms-conditions",
      "cardUrl": "https://cardadvisor.in/cards/icici-amazon-pay",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-emirates-rubyx",
      "cardName": "Emirates Skywards ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary 25% off (up to ₹100), twice a month",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-rubyx",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-rubyx",
      "noticeId": null,
      "actId": "icici-2026-01-15-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-emirates-rubyx",
      "cardName": "Emirates Skywards ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance, utility, government and education spends stripped of miles",
      "before": "Miles earned on insurance, utility, government and education spends",
      "after": "Those categories earn no Skywards Miles",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-rubyx",
      "noticeId": null,
      "actId": "icici-2026-01-15-emirates-skywards-devaluation"
    },
    {
      "cardKey": "icici-emirates-rubyx",
      "cardName": "Emirates Skywards ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet-load, gaming and DCC transaction fees",
      "before": "No fee on wallet loads, gaming spends or dynamic currency conversion",
      "after": "1% on wallet loads ≥₹5,000; 2% on gaming; tier-based DCC fee",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-rubyx",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Government, fuel, rent, tax and wallet spends stripped of rewards",
      "before": "Points earned on most retail spends",
      "after": "Government, fuel, rent, property, tax & third-party wallet spends earn no points",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New card and transaction fees introduced",
      "before": "No add-on-card fee; standard transaction charges",
      "after": "₹3,500 one-time add-on (Plus) card fee; revised wallet/gaming/DCC charges",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-platinum",
      "cardName": "ICICI Bank Platinum Chip Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New transaction fees on gaming, wallet loads and DCC",
      "before": "No gaming/wallet-load surcharges",
      "after": "Gaming 2%; wallet loads 1% over ₹5k/mo; DCC 0.99–3.50%",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-platinum",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New ₹3,500 one-time fee on add-on (Plus) cards",
      "before": "Add-on cards issued free",
      "after": "₹3,500 + GST, one-time, per supplementary card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Rent, fuel, tax, government & wallet spends stripped of rewards",
      "before": "Broad earning; ₹-denominated category caps",
      "after": "6 categories excluded; hard point caps (1,000–5,000 RP/cycle)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary",
      "after": "Requires ₹25,000 spend in previous quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": "icici-2026-01-15-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel, rent and wallet loads stripped of rewards",
      "before": "Fuel still earned reward points",
      "after": "Fuel, rent, cash and third-party wallet loads earn nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-adani-platinum",
      "cardName": "Adani One ICICI Bank Platinum Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and currency-conversion transaction fees",
      "before": "No wallet-load / gaming / DCC surcharge",
      "after": "Wallet-load, gaming and DCC fees added",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-platinum",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and transport transaction fees",
      "before": "No dedicated wallet/gaming/transport fee; standard forex markup",
      "after": "New wallet, gaming and transport fees; DCC markup ~1% added",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Third-party wallet loads stripped of rewards",
      "before": "Third-party wallet loads earned points",
      "after": "Third-party wallet loads (MCC 6540) excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-emirates-emeralde",
      "cardName": "Emirates Skywards ICICI Bank Emeralde Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary movie benefit",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-emeralde",
      "noticeId": null,
      "actId": "icici-2026-01-15-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-emirates-emeralde",
      "cardName": "Emirates Skywards ICICI Bank Emeralde Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Miles earn rate cut and categories excluded from earning",
      "before": "2.5 Miles/₹100; insurance/utility/government/education earned",
      "after": "2 Miles/₹100; insurance/utility/government/education excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-emeralde",
      "noticeId": null,
      "actId": "icici-2026-01-15-emirates-skywards-devaluation"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel, rent and wallet loads stripped of rewards; government re-bucketed into utilities",
      "before": "Wider earning base; government spend earned at the 2 RP/₹100 retail rate",
      "after": "Fuel, rent & third-party wallet loads excluded; government billed as utilities at 1 RP/₹100",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and transport transaction fees",
      "before": "No such fees",
      "after": "1% wallet loads >₹5k/mo; 2% online gaming; 1% transport >₹50k/mo",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel, rent and wallet loads stripped of rewards; government re-bucketed into utilities",
      "before": "Wider earning base; government spend earned at the 2 RP/₹100 retail rate",
      "after": "Fuel, rent & third-party wallet loads excluded; government billed as utilities at 1 RP/₹100",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2026-01-15-reward-category-strip"
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and transport transaction fees",
      "before": "No such fees",
      "after": "1% wallet loads >₹5k/mo; 2% online gaming; 1% transport >₹50k/mo",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-emirates-sapphiro",
      "cardName": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BookMyShow movie benefit becomes spend-gated",
      "before": "Complimentary BookMyShow offer",
      "after": "Requires ₹25,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
      "noticeId": null,
      "actId": "icici-2026-01-15-bookmyshow-movie-benefit-becomes-spend-gated"
    },
    {
      "cardKey": "icici-emirates-sapphiro",
      "cardName": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-22",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Miles earn rate cut to 1.5/₹100 and categories dropped",
      "before": "2 Skywards Miles/₹100; insurance/utility/government/education earned",
      "after": "1.5 Skywards Miles/₹100; those categories excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
      "noticeId": null,
      "actId": "icici-2026-01-15-emirates-skywards-devaluation"
    },
    {
      "cardKey": "icici-emirates-sapphiro",
      "cardName": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and transport transaction fees",
      "before": "No wallet-load / gaming / transport surcharge",
      "after": "1% wallet-load (>₹5,000), 2% gaming, 1% high-value transport; revised DCC",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "icici-adani-signature",
      "cardName": "Adani One ICICI Bank Signature Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01-15",
      "announced": "2025-12-17",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New wallet, gaming and DCC transaction fees",
      "before": "No wallet-load / gaming / DCC surcharge",
      "after": "Wallet-load, gaming and ~1% dynamic-currency-conversion fees apply",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-signature",
      "noticeId": null,
      "actId": "icici-2026-01-15-transaction-fees"
    },
    {
      "cardKey": "sbi-landmark-prime",
      "cardName": "Landmark Rewards SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2026-01-10",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic lounge access narrowed to a published lounge list",
      "before": "Any participating domestic lounge on the card network",
      "after": "Only SBI's published participating-lounge list (~30 lounges)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-prime",
      "noticeId": null,
      "actId": "sbi-2026-01-10-domestic-lounge-access-narrowed-to-a"
    },
    {
      "cardKey": "sbi-pulse",
      "cardName": "SBI Card PULSE",
      "issuer": "SBI Card",
      "date": "2026-01-10",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge visits halved",
      "before": "8 per year (max 2 per quarter)",
      "after": "4 per year (max 1 per quarter)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-pulse",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "federal-celesta",
      "cardName": "Federal Bank Celesta Credit Card",
      "issuer": "Federal Bank",
      "date": "2026-01-10",
      "announced": null,
      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge repriced to an Average-Monthly-Balance-linked rate",
      "before": "Flat slab APR by revolving balance",
      "after": "AMB-linked: 45% p.a. with no Federal AMB, down to lower tiers as balance rises",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.federal.bank.in/revised-credit-card-charges",
      "cardUrl": "https://cardadvisor.in/cards/federal-celesta",
      "noticeId": null,
      "actId": "federal-2026-01-10-finance-charge-repriced-to-an-average"
    },
    {
      "cardKey": "federal-imperio",
      "cardName": "Federal Bank Imperio Credit Card",
      "issuer": "Federal Bank",
      "date": "2026-01-10",
      "announced": null,
      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Interest rate repriced to an Average-Monthly-Balance-linked scale",
      "before": "Flat card APR",
      "after": "AMB-linked: 45% p.a. under ₹50,000 balance down to 8.28% p.a. above ₹10,00,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.federal.bank.in/revised-credit-card-charges",
      "cardUrl": "https://cardadvisor.in/cards/federal-imperio",
      "noticeId": null,
      "actId": "federal-2026-01-10-finance-charge-repriced-to-an-average"
    },
    {
      "cardKey": "sbi-titan",
      "cardName": "Titan SBI Card",
      "issuer": "SBI Card",
      "date": "2026-01-10",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic lounge access narrowed to a published lounge list",
      "before": "Any participating domestic lounge on the card network",
      "after": "Only SBI's published participating-lounge list (~30 lounges)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/loungebenefits.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-titan",
      "noticeId": null,
      "actId": "sbi-2026-01-10-domestic-lounge-access-narrowed-to-a"
    },
    {
      "cardKey": "rbl-play",
      "cardName": "RBL Bank Play Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-play",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-blockbuster",
      "cardName": "RBL Bank Blockbuster Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-blockbuster",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-indianoil",
      "cardName": "RBL Bank IndianOil Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-indianoil",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-paisabazaar-duet",
      "cardName": "RBL Bank Paisabazaar Duet Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-paisabazaar-duet",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-tvs-credit",
      "cardName": "RBL Bank TVS Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-tvs-credit",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-apex",
      "cardName": "RBL Bank Apex Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-apex",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-cookies",
      "cardName": "RBL Bank Cookies Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-cookies",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-lumiere",
      "cardName": "RBL Bank Lumière Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-lumiere",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-paisabazaar-duet-plus",
      "cardName": "RBL Bank Paisabazaar Duet Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-paisabazaar-duet-plus",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-bankbazaar-savemax",
      "cardName": "RBL Bank BankBazaar SaveMax Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-nova",
      "cardName": "RBL Bank Nova Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-nova",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-platinum-maxima",
      "cardName": "RBL Bank Platinum Maxima Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-platinum-maxima",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-bankbazaar-savemax-pro",
      "cardName": "RBL Bank BankBazaar SaveMax Pro Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax-pro",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-world-safari-lite",
      "cardName": "RBL Bank World Safari Lite Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-world-safari-lite",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-irctc",
      "cardName": "RBL Bank IRCTC Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-irctc",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-salaryse-up",
      "cardName": "RBL Bank SalarySe UP Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-salaryse-up",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-binge",
      "cardName": "RBL Bank Binge Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-binge",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-patanjali-vishisht",
      "cardName": "RBL Bank Patanjali Vishisht Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-patanjali-vishisht",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-dmi-finance",
      "cardName": "RBL Bank DMI Finance Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-dmi-finance",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-indianoil-xtra",
      "cardName": "RBL Bank IndianOil XTRA Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-indianoil-xtra",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-patanjali-swarn",
      "cardName": "RBL Bank Patanjali Swarn Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-patanjali-swarn",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-tvs-credit-gold",
      "cardName": "RBL Bank TVS Gold Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-tvs-credit-gold",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-world-safari",
      "cardName": "RBL Bank World Safari Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-world-safari",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-icon",
      "cardName": "RBL Bank Icon Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-icon",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "rbl-shoprite",
      "cardName": "RBL Bank ShopRite Credit Card",
      "issuer": "RBL Bank",
      "date": "2026-01-07",
      "announced": "2026-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large FASTag top-ups and toll payments",
      "before": "No FASTag or toll transaction fee",
      "after": "1% fee on any FASTag-loading or toll-payment transaction above ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/RBL-MITC-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-shoprite",
      "noticeId": "rbl-2026-01-07-fastag-toll-fee",
      "actId": null
    },
    {
      "cardKey": "idfc-diamond-reserve",
      "cardName": "IDFC FIRST Diamond Reserve Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01-06",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST launches the Zero-Forex Diamond Reserve",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/news-media/press-release/Press-Release-Diamond-Reserve-Credit-Card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-diamond-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
      "date": "2026",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Original Edge CSB card discontinued; Edge+ becomes the only card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/jupiter-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-etihad-guest",
      "cardName": "BOBCARD Etihad Guest Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-01",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "BOBCARD × Etihad Guest co-brand launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-etihad-guest",
      "noticeId": null,
      "actId": "bob-2026-01-bobcard-etihad-guest-premium-launched"
    },
    {
      "cardKey": "bob-etihad-guest-premium",
      "cardName": "BOBCARD Etihad Guest Premium Credit Card",
      "issuer": "BOBCARD",
      "date": "2026-01",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "BOBCARD Etihad Guest Premium launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-etihad-guest-premium",
      "noticeId": null,
      "actId": "bob-2026-01-bobcard-etihad-guest-premium-launched"
    },
    {
      "cardKey": "idfc-wow",
      "cardName": "IDFC FIRST WOW! Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent, high-fuel and third-party-education payments pick up 1% fees",
      "before": "None",
      "after": "1% on rent (min ₹249); 1% on fuel above ₹30,000/cycle; 1% on education via third-party apps (min ₹249)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/Key_Fact_Statement_Document.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow",
      "noticeId": null,
      "actId": "idfc-2026-01-rent-high-fuel-and-third-party-education"
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent, high-fuel and third-party-education payments pick up 1% fees",
      "before": "None",
      "after": "1% on rent (min ₹249); 1% on fuel above ₹30,000/cycle; 1% on education via third-party apps (min ₹249)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/Key_Fact_Statement_Document.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": "idfc-2026-01-rent-high-fuel-and-third-party-education"
    },
    {
      "cardKey": "axis-supermoney",
      "cardName": "Axis Bank SUPERMONEY RuPay Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-01-01",
      "announced": "2025-12-10",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "3% super.money UPI cashback throttled to 1× base earn; sub-₹100 spends excluded",
      "before": "Bounded only by the ₹500 total cap",
      "after": "Capped at 1× the base cashback earned that cycle; sub-₹100 txns earn nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/axis-bank-supermoney-rupay-credit-card.pdf?sfvrsn=b2de24db_3",
      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-supermoney",
      "cardName": "Axis Bank SUPERMONEY RuPay Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-01-01",
      "announced": "2025-12-10",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Flat ₹500 monthly cashback cap removed — 1% base now uncapped",
      "before": "Flat ₹500 per statement cycle (all cashback)",
      "after": "1% base cashback uncapped",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/axis-bank-supermoney-rupay-credit-card.pdf?sfvrsn=b2de24db_3",
      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-cs",
      "cardName": "AU CS Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU CS Credit Card launches for Company Secretaries",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/au-cs-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-cs",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent, high-fuel and third-party-education payments pick up 1% fees",
      "before": "None",
      "after": "1% on rent (min ₹249); 1% on fuel above ₹30,000/cycle; 1% on education via third-party apps (min ₹249)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/Key_Fact_Statement_Document.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": "idfc-2026-01-rent-high-fuel-and-third-party-education"
    },
    {
      "cardKey": "au-zenith",
      "cardName": "AU Zenith Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-01-01",
      "announced": "2025-12",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "January 2026 reward-rate cut across every accelerated category",
      "before": "Base 5 / Dining 20 / Intl 10 / Grocery 10 RP",
      "after": "Base 3 / Dining 5 / Intl 5 / Grocery 5 RP",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-zenith",
      "noticeId": null,
      "actId": "au-2026-01-01-january-2026-reward-rate-cut-across-every"
    },
    {
      "cardKey": "au-zenith",
      "cardName": "AU Zenith Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-01-01",
      "announced": "2025-12",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Quarterly voucher and Taj Epicure milestone withdrawn",
      "before": "₹1,000 quarterly voucher + Taj Epicure membership",
      "after": "1,000 RP for ₹50,000 in a statement cycle",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-zenith",
      "noticeId": null,
      "actId": "au-2026-01-01-quarterly-voucher-and-taj-epicure-milestone"
    },
    {
      "cardKey": "au-zenith",
      "cardName": "AU Zenith Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2026-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Railway lounge access dropped from published benefits",
      "before": "2 complimentary railway lounge visits per calendar quarter",
      "after": "No railway lounge benefit published",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-zenith",
      "noticeId": null,
      "actId": "au-2026-01-01-railway-lounge-access-dropped-from"
    },
    {
      "cardKey": "icici-times-black",
      "cardName": "Times Black ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2026-01",
      "announced": "2026-01-15",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Early-2026 reward devaluation",
      "before": "6X iShop accelerator; uncapped base earn",
      "after": "base 2%/2.5% only; 5,000 RP/cycle cap; fuel, rent & EMI excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-times-black",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2026-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Amazon dropped as a qualifying Samsung cashback channel",
      "before": "Samsung products bought on Amazon earned the 10% cashback",
      "after": "Amazon purchases earn no Samsung cashback; no marketplace channel qualifies",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/tnc-for-samsung-infinite.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2026-01",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "reversed",
      "title": "Limited 40,000-Avios welcome promo (pulled early)",
      "before": "Standing 20,000 Avios",
      "after": "40,000 Avios for Jan 2026 approvals, then reverted to 20,000",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-classic",
      "cardName": "IDFC FIRST Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent, high-fuel and third-party-education payments pick up 1% fees",
      "before": "None",
      "after": "1% on rent (min ₹249); 1% on fuel above ₹30,000/cycle; 1% on education via third-party apps (min ₹249)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/Key_Fact_Statement_Document.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-classic",
      "noticeId": null,
      "actId": "idfc-2026-01-rent-high-fuel-and-third-party-education"
    },
    {
      "cardKey": "idfc-millennia",
      "cardName": "IDFC FIRST Millennia Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2026-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent, high-fuel and third-party-education payments pick up 1% fees",
      "before": "None",
      "after": "1% on rent (min ₹249); 1% on fuel above ₹30,000/cycle; 1% on education via third-party apps (min ₹249)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/Key_Fact_Statement_Document.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-millennia",
      "noticeId": null,
      "actId": "idfc-2026-01-rent-high-fuel-and-third-party-education"
    },
    {
      "cardKey": "idfc-gaj",
      "cardName": "IDFC FIRST Gaj Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-12-29",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST unveils Gaj, its invitation-only flagship",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/metal-credit-card/gaj",
      "cardUrl": "https://cardadvisor.in/cards/idfc-gaj",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-pioneer-legacy",
      "cardName": "IndusInd Bank Pioneer Legacy Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-legacy",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "cred-sovereign",
      "cardName": "CRED Sovereign Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/cred-sovereign",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-epay-amex",
      "cardName": "IndusInd Bank ePay Amex Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-epay-amex",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-jio-bp",
      "cardName": "IndusInd Bank Jio-bp Mobility+ Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-jio-bp",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-tiger",
      "cardName": "IndusInd Bank Tiger Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-tiger",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-pioneer-private",
      "cardName": "IndusInd Bank Pioneer Private Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-private",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-indulge",
      "cardName": "IndusInd Bank Indulge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-indulge",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-crest",
      "cardName": "IndusInd Bank Crest Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-crest",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-eazydiner-platinum",
      "cardName": "EazyDiner IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner-platinum",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-cred",
      "cardName": "CRED IndusInd Bank RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-cred",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-duo",
      "cardName": "IndusInd Bank Duo Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-duo",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-samman",
      "cardName": "IndusInd Bank Samman Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-samman",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-solitaire",
      "cardName": "IndusInd Bank Indus Solitaire Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-solitaire",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-legend",
      "cardName": "IndusInd Bank Legend Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-legend",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-nexxt",
      "cardName": "IndusInd Bank Nexxt Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-nexxt",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-21",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary air-accident insurance withdrawn",
      "before": "Complimentary air-accident cover provided with the card",
      "after": "No air-accident cover",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner",
      "noticeId": "indusind-2025-12-21-air-accident-discontinued",
      "actId": null
    },
    {
      "cardKey": "axis-google-pay-flex",
      "cardName": "Google Pay Flex Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-12-17",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Flex by Google Pay launches with Axis Bank",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/google-pay-and-axis-bank-launch-flex",
      "cardUrl": "https://cardadvisor.in/cards/axis-google-pay-flex",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-earn",
      "cardName": "IDFC FIRST EA₹N Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-12-16",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Joining fee dropped to zero for new cards",
      "before": "₹499 + GST",
      "after": "₹0",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/FIRST-EAN-Credit-Card-EKIT.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-earn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-earn",
      "cardName": "IDFC FIRST EA₹N Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-12-16",
      "announced": null,
      "type": "welcome",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome cashback cut from 100%/₹500 to 10%/₹250",
      "before": "100% cashback, up to ₹500",
      "after": "10% cashback, up to ₹250",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/FIRST-EAN-Credit-Card-EKIT.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-earn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-jio-bp",
      "cardName": "IndusInd Bank Jio-bp Mobility+ Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-12-10",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndusInd Bank Jio-bp Mobility+ launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.jiobp.com/news/indusind-jio-bp-mobility-plus",
      "cardUrl": "https://cardadvisor.in/cards/indusind-jio-bp",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "cub-salaryse",
      "cardName": "CUB SalarySe Level Up Credit Card",
      "issuer": "City Union Bank",
      "date": "2025-12-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "CUB SalarySe Level Up launches in Chennai",
      "before": null,
      "after": "RuPay-on-UPI salary-linked card, live via the SalarySe app",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/cub-salaryse",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-wow-black",
      "cardName": "IDFC FIRST WOW! Black Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-12-08",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST WOW! Black launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/wow-black-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow-black",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-12-03",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Lifetime-free positioning ends — ₹249 annual fee introduced",
      "before": "Lifetime free",
      "after": "₹249 + GST joining and annual, waived on ₹1,00,000 annual retail spends",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/xcite-credit-card/soc-cc-schedule-of-charges-cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-12-03",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "APR raised to 3.75%/month",
      "before": "3.59%/month (43.08% p.a.)",
      "after": "3.75%/month (45% p.a.)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/xcite-credit-card/soc-cc-schedule-of-charges-cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": "au-2025-12-03-apr-raised-to-3-75-month"
    },
    {
      "cardKey": "au-ca",
      "cardName": "AU CA Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-12-02",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU CA Metal Credit Card launches for Chartered Accountants",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdfs/press-release/2025/au-small-finance-bank-launches-exclusive-banking-program-for-chartered-accountants-in-partnership-with-icai---2nd-december-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-ca",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-apex",
      "cardName": "RBL Bank Apex Credit Card",
      "issuer": "RBL Bank",
      "date": "2025-12",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL Apex launched as a portal-first cashback card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-apex",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "zagg",
      "cardName": "YES Bank Zagg Credit Card",
      "issuer": "YES Bank",
      "date": "2025-12",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rio rebrands to Zagg after Zaggle acquisition",
      "before": "YES Bank Rio Credit Card (Rio Money app)",
      "after": "YES Bank Zagg Credit Card (Zagg Money app)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/zagg",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-beyond",
      "cardName": "Standard Chartered Beyond Credit Card",
      "issuer": "Standard Chartered",
      "date": "2025-12",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Beyond launched as SC India super-premium flagship",
      "before": "Not offered in India",
      "after": "Invite-only, FUM-gated flagship",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-beyond",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-lumiere",
      "cardName": "RBL Bank Lumière Credit Card",
      "issuer": "RBL Bank",
      "date": "2025-11-17",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL launches Lumière as invite-only metal flagship",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/press-release/launch-of-exclusive-lumiere-and-nova-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-lumiere",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-nova",
      "cardName": "RBL Bank Nova Credit Card",
      "issuer": "RBL Bank",
      "date": "2025-11-17",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL Nova launched as an invite-only travel metal card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/press-release/launch-of-exclusive-lumiere-and-nova-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-nova",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-landmark-prime",
      "cardName": "Landmark Rewards SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2025-11-11",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SBI Card and Landmark Rewards launch the co-branded Landmark Rewards SBI Card PRIME",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-prime",
      "noticeId": null,
      "actId": "sbi-2025-11-11-landmark-family-launch"
    },
    {
      "cardKey": "sbi-landmark",
      "cardName": "Landmark Rewards SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-11",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Landmark Rewards SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/shopping/landmark-sbi-card.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark",
      "noticeId": null,
      "actId": "sbi-2025-11-11-landmark-family-launch"
    },
    {
      "cardKey": "sbi-landmark-select",
      "cardName": "Landmark Rewards SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2025-11-11",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Landmark Rewards SBI Card SELECT launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/landmark-sbi-card-select.html",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-select",
      "noticeId": null,
      "actId": "sbi-2025-11-11-landmark-family-launch"
    },
    {
      "cardKey": "sbi-landmark-prime",
      "cardName": "Landmark Rewards SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Portfolio fee revision (education and wallet-load fees added)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/most-important-terms-and-conditions/mitc-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-prime",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-doctors",
      "cardName": "Doctor's SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-apollo-select",
      "cardName": "Apollo SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-apollo-select",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-shaurya-select",
      "cardName": "Shaurya Select SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya-select",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-phonepe-select-black",
      "cardName": "PhonePe SBI Card SELECT BLACK",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & large wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-phonepe-select-black",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-indigo",
      "cardName": "IndiGo SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-indigo",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-11-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "CashPoint value cut to 20 paise for statement redemption",
      "before": "1 CashPoint = Rs 0.25",
      "after": "1 CashPoint = Rs 0.20",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-krisflyer",
      "cardName": "KrisFlyer SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": "2025-08-25",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "KrisFlyer miles devalued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-krisflyer",
      "noticeId": null,
      "actId": "sbi-2025-11-01-krisflyer-miles-devalued"
    },
    {
      "cardKey": "sbi-phonepe-purple",
      "cardName": "PhonePe SBI Card PURPLE",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education and large wallet loads",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-phonepe-purple",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-titan",
      "cardName": "Titan SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-titan",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education and large wallet loads",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-doctors-ima",
      "cardName": "Doctor's SBI Card (in Association with IMA)",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors-ima",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-landmark",
      "cardName": "Landmark Rewards SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Portfolio fee revision (education and wallet-load fees added)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/most-important-terms-and-conditions/mitc-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-apollo",
      "cardName": "Apollo SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-apollo",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-landmark-select",
      "cardName": "Landmark Rewards SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Portfolio fee revision (education and wallet-load fees added)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/most-important-terms-and-conditions/mitc-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-select",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-indigo-elite",
      "cardName": "IndiGo SBI Card ELITE",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "System-wide 1% fee on third-party education payments and large wallet loads",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-indigo-elite",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-tata-neu-plus",
      "cardName": "Tata Neu Plus SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Portfolio fee revision (education and wallet-load fees added)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/most-important-terms-and-conditions/mitc-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-tata-neu-plus",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-reliance-prime",
      "cardName": "Reliance SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "System-wide fee revision — 1% on third-party education payments and large wallet loads",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-reliance-prime",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-tata-neu-infinity",
      "cardName": "Tata Neu Infinity SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Portfolio fee revision (education and wallet-load fees added)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/most-important-terms-and-conditions/mitc-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-tata-neu-infinity",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-unnati",
      "cardName": "SBI Card Unnati",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-unnati",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-shaurya",
      "cardName": "Shaurya SBI Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "bob-cashback",
      "cardName": "BOBCARD Cashback Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-11",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "BOBCARD Cashback Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-cashback",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-aurum",
      "cardName": "SBI Card AURUM",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fee & charge revision (wallet-load fee added)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-aurum",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "sbi-krisflyer-apex",
      "cardName": "KrisFlyer SBI Card Apex",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": "2025-08-25",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "KrisFlyer miles devalued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-krisflyer-apex",
      "noticeId": null,
      "actId": "sbi-2025-11-01-krisflyer-miles-devalued"
    },
    {
      "cardKey": "sbi-elite",
      "cardName": "SBI Card ELITE",
      "issuer": "SBI Card",
      "date": "2025-11-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on third-party education payments & wallet loads",
      "before": "No surcharge on education/wallet-load spends",
      "after": "1% fee on 3rd-party education fees & wallet loads over ₹1,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-elite",
      "noticeId": null,
      "actId": "sbi-2025-11-01-education-wallet-load-fees"
    },
    {
      "cardKey": "icici-amazon-pay",
      "cardName": "Amazon Pay ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2025-10-11",
      "announced": "2025-09-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Cashback exclusion list widened — education, international AND off-Amazon utilities",
      "before": "Near-universal 1% base earn",
      "after": "Education, international and utilities paid outside Amazon excluded; gold/silver, tax, fuel, rent, EMI and cash already were",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/tc-for-amazon-pay-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-amazon-pay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-amazon-pay",
      "cardName": "Amazon Pay ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2025-10-11",
      "announced": "2025-09-11",
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Forex markup slashed 3.5% to 1.99%",
      "before": "3.50%",
      "after": "1.99%",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2025/amazon-pay-and-icici-bank-renew-partnership-enhance-indias-most-adopted-co-branded-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-amazon-pay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-10-05",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "ITC Club Culinaire membership withdrawn",
      "before": "Complimentary ITC Club Culinaire membership",
      "after": "Membership discontinued",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/schedule-of-charges/current-account/Revision-in-PIONEER-program-benefitsandcharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-indigo-premium",
      "cardName": "IndiGo XL Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-10-03",
      "announced": "2025-09-25",
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Legacy 6E Rewards retired; IndiGo Kotak co-brand fully on BluChips",
      "before": "6E Rewards (legacy IndiGo co-brand points)",
      "after": "IndiGo BluChips (1 BluChip approx Rs 1 against IndiGo fares)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-indigo-premium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-indigo",
      "cardName": "IndiGo Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-10-03",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Legacy 6E Rewards balances converted to BluChips with an 18% bonus",
      "before": "6E Rewards (legacy IndiGo co-brand points)",
      "after": "IndiGo BluChips (1 BluChip approx Rs 1 against IndiGo fares)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-indigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-10-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Unredeemed EDGE points forfeited on closure or long overdue",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-select-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2025-10-01-edge-points-forfeited-on-card-closure-or"
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-10-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE points forfeited on card closure or long overdue",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-neo-credit-card.pdf?sfvrsn=754f8791_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": null,
      "actId": "axis-2025-10-01-edge-points-forfeited-on-card-closure-or"
    },
    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-10-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE points can be forfeited on card closure or overdue",
      "before": "No published forfeiture window",
      "after": "Forfeitable 30 days after closure, or if minimum due is unpaid beyond 90 days",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-freecharge-final.pdf?sfvrsn=5c2fbc53_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
      "noticeId": null,
      "actId": "axis-2025-10-01-edge-points-forfeited-on-card-closure-or"
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-10-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Oberoi hotel offers withdrawn",
      "before": "Oberoi Hotels & Resorts offers included",
      "after": "Discontinued; Club ITC Culinaire, Accor Plus, Club Marriott and Postcard remain",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/cards/credit-card/reserve-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-10-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EDGE points can be forfeited on card closure or overdue",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-myzone-credit-card.pdf?sfvrsn=6b8ed8a4_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": "axis-2025-10-01-edge-points-forfeited-on-card-closure-or"
    },
    {
      "cardKey": "sbi-reliance",
      "cardName": "Reliance SBI Card",
      "issuer": "SBI Card",
      "date": "2025-10-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "AJIO & JioMart earn rate doubled",
      "before": "5 RP per ₹100 (~1.25%)",
      "after": "10 RP per ₹100 (~2.5%)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/reliance-sbi-card-tnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-reliance",
      "noticeId": null,
      "actId": "sbi-2025-10-01-ajio-jiomart-earn-rate-doubled"
    },
    {
      "cardKey": "sbi-reliance-prime",
      "cardName": "Reliance SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2025-10-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "AJIO & JioMart earn rate doubled",
      "before": "10 RP per ₹100 (~2.5%)",
      "after": "20 RP per ₹100 (~5%)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/reliance-prime-tnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-reliance-prime",
      "noticeId": null,
      "actId": "sbi-2025-10-01-ajio-jiomart-earn-rate-doubled"
    },
    {
      "cardKey": "sbi-indigo",
      "cardName": "IndiGo SBI Card",
      "issuer": "SBI Card",
      "date": "2025-09-25",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndiGo SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/who-we-are/notices/SEFilingPressRelease24sep25.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-indigo",
      "noticeId": null,
      "actId": "sbi-2025-09-25-indigo-sbi-card-launched"
    },
    {
      "cardKey": "sbi-indigo-elite",
      "cardName": "IndiGo SBI Card ELITE",
      "issuer": "SBI Card",
      "date": "2025-09-25",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndiGo SBI Card ELITE launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/indigo-sbi-card-elite.html",
      "cardUrl": "https://cardadvisor.in/cards/sbi-indigo-elite",
      "noticeId": null,
      "actId": "sbi-2025-09-25-indigo-sbi-card-launched"
    },
    {
      "cardKey": "kiwi",
      "cardName": "Kiwi RuPay Credit Card",
      "issuer": "YES Bank",
      "date": "2025-09-18",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "AU Small Finance Bank added (AU KOSMO)",
      "before": null,
      "after": "+ AU Small Finance Bank (KOSMO)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdfs/press-release/2025/au-small-finance-bank-partners-with-kiwi-for-credit-on-upi-launches-au-kosmo-credit-card---18th-september-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/kiwi",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-kosmo",
      "cardName": "AU Kosmo Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-09-18",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Kosmo launches with Kiwi",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdfs/press-release/2025/au-small-finance-bank-partners-with-kiwi-for-credit-on-upi-launches-au-kosmo-credit-card---18th-september-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-kosmo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "cred-sovereign",
      "cardName": "CRED Sovereign Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-09-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "CRED Sovereign launched as an invite-only 18K gold card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/cred-sovereign",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-cred",
      "cardName": "CRED IndusInd Bank RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-09-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "CRED IndusInd Bank RuPay Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/iblogs/pressrelease/launch-of-cred-indusind-bank-rupay-credit-card/",
      "cardUrl": "https://cardadvisor.in/cards/indusind-cred",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-landmark-prime",
      "cardName": "Landmark Rewards SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2025-09-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Gaming and government spends stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on digital gaming platforms or government transactions",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-prime",
      "noticeId": null,
      "actId": "sbi-2025-09-01-gaming-and-government-spends-stop-earning"
    },
    {
      "cardKey": "hsbc-platinum",
      "cardName": "HSBC Visa Platinum Credit Card",
      "issuer": "HSBC",
      "date": "2025-09-01",
      "announced": "2025-07",
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Card moved to Visa Signature with lifestyle benefits",
      "before": "Visa Platinum platform, no bundled memberships",
      "after": "Visa Signature platform + 1-year Times Prime, MakeMyTrip perks and tap-to-pay fuel cashback",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hsbc-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-mayura",
      "cardName": "IDFC FIRST Mayura Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-09-01",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit restructured into a three-tranche 12,000-point plan",
      "before": null,
      "after": "12,000 reward points in three tranches: 4,000 on fee realization, 4,000 on ₹20,000+ net spends in the 2nd statement cycle, 4,000 in the 3rd",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/credit-card/metal-credit-card/mayura",
      "cardUrl": "https://cardadvisor.in/cards/idfc-mayura",
      "noticeId": null,
      "actId": "idfc-2025-09-01-welcome-benefit-restructured-into-a-three"
    },
    {
      "cardKey": "sbi-landmark",
      "cardName": "Landmark Rewards SBI Card",
      "issuer": "SBI Card",
      "date": "2025-09-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Gaming and government spends stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on digital gaming platforms or government transactions",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark",
      "noticeId": null,
      "actId": "sbi-2025-09-01-gaming-and-government-spends-stop-earning"
    },
    {
      "cardKey": "sbi-landmark-select",
      "cardName": "Landmark Rewards SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2025-09-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Gaming and government spends stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on digital gaming platforms or government transactions",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-landmark-select",
      "noticeId": null,
      "actId": "sbi-2025-09-01-gaming-and-government-spends-stop-earning"
    },
    {
      "cardKey": "idfc-ashva",
      "cardName": "IDFC FIRST Ashva Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-09-01",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit restructured into a three-tranche 7,500-point plan",
      "before": null,
      "after": "7,500 reward points in three tranches: 2,500 on fee realization, 2,500 on ₹20,000+ net spends in the 2nd statement cycle, 2,500 in the 3rd",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/credit-card/metal-credit-card/ashva",
      "cardUrl": "https://cardadvisor.in/cards/idfc-ashva",
      "noticeId": null,
      "actId": "idfc-2025-09-01-welcome-benefit-restructured-into-a-three"
    },
    {
      "cardKey": "hsbc-platinum",
      "cardName": "HSBC Visa Platinum Credit Card",
      "issuer": "HSBC",
      "date": "2025-08-31",
      "announced": "2025-07",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Accelerated 5X milestone reward withdrawn",
      "before": "5X reward points (per ₹150) once annual spends cross ₹4 lakh",
      "after": "Accelerated 5X milestone bonus discontinued",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hsbc-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bharatpe",
      "cardName": "Unity Bank BharatPe Credit Card",
      "issuer": "Unity Small Finance Bank",
      "date": "2025-08-28",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Unity Bank BharatPe Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bharatpe",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-flipkart",
      "cardName": "Flipkart SBI Card",
      "issuer": "SBI Card",
      "date": "2025-08-26",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Flipkart SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/cards/Flipkart-SBI-CreditCard-TandC-Booklet.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-travelone",
      "cardName": "HSBC TravelOne Credit Card",
      "issuer": "HSBC",
      "date": "2025-08-20",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Travel with Points accelerated rewards added",
      "before": "4 points/₹100 on travel",
      "after": "Up to 6X hotels / 4X flights via Travel with Points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/rewards/travel-rewards/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-travelone",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-indigo",
      "cardName": "IndiGo IDFC FIRST Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-08-18",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndiGo and IDFC FIRST launch the co-branded dual card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/indigo-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-indigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "utkarsh-supercard",
      "cardName": "super.money superCard (Utkarsh SFB)",
      "issuer": "Utkarsh Small Finance Bank",
      "date": "2025-08-11",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Base cashback doubled to 1% on UPI and non-UPI spends",
      "before": "0.5% on all eligible spends",
      "after": "1% on all eligible UPI and non-UPI spends",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/utkarsh-supercard",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "utkarsh-supercard",
      "cardName": "super.money superCard (Utkarsh SFB)",
      "issuer": "Utkarsh Small Finance Bank",
      "date": "2025-08-11",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Monthly cashback caps introduced",
      "before": "No stated monthly cap on base cashback",
      "after": "₹500/month on UPI spends, ₹10,000/month on non-UPI spends",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/utkarsh-supercard",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-pvr-inox",
      "cardName": "PVR INOX Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-08-05",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "PVR INOX Kotak Credit Card relaunched",
      "before": null,
      "after": "One PVR INOX movie ticket (M Coupon, up to ₹300) per ₹10,000 band of monthly spend; ₹0 joining / ₹499 annual",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-pvr-inox",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-08",
      "announced": null,
      "type": "eligibility",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Opened to fresh applicants",
      "before": "Available mainly to migrating Citi PremierMiles customers",
      "after": "Open to fresh (non-Citi) applicants",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-08-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "NeuCoins given a 12-month expiry",
      "before": "No fixed expiry (effectively indefinite)",
      "after": "12 months from end of credit month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "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",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": null,
      "actId": "hdfc-2025-08-01-neucoins-given-a-12-month-expiry"
    },
    {
      "cardKey": "sbi-tata-neu-plus",
      "cardName": "Tata Neu Plus SBI Card",
      "issuer": "SBI Card",
      "date": "2025-08-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "NeuCoins given a fixed 12-month expiry",
      "before": "Rolling validity (extended with each transaction)",
      "after": "12 months from end of the credit month",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-tata-neu-plus",
      "noticeId": null,
      "actId": "sbi-2025-08-01-neucoins-given-a-12-month-expiry"
    },
    {
      "cardKey": "sbi-tata-neu-infinity",
      "cardName": "Tata Neu Infinity SBI Card",
      "issuer": "SBI Card",
      "date": "2025-08-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "NeuCoins given a 12-month expiry",
      "before": "No fixed expiry (effectively indefinite)",
      "after": "12 months from end of credit month",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-tata-neu-infinity",
      "noticeId": null,
      "actId": "sbi-2025-08-01-neucoins-given-a-12-month-expiry"
    },
    {
      "cardKey": "sbi-simply-click",
      "cardName": "SBI SimplyCLICK Credit Card",
      "issuer": "SBI Card",
      "date": "2025-08-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Swiggy reinstated as a 10X partner",
      "before": "5X",
      "after": "10X",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-click",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-08-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "NeuCoins given a 12-month expiry",
      "before": "No fixed expiry (effectively indefinite)",
      "after": "12 months from end of credit month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": null,
      "actId": "hdfc-2025-08-01-neucoins-given-a-12-month-expiry"
    },
    {
      "cardKey": "sbi-irctc-premier",
      "cardName": "IRCTC SBI Card Premier",
      "issuer": "SBI Card",
      "date": "2025-07-26",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Rail accident cover withdrawn",
      "before": "Air ₹50L + Rail ₹10L cover",
      "after": "Air ₹50L retained; Rail ₹10L withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/IRCTCPremiertnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-premier",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-solitaire",
      "cardName": "Kotak Solitaire Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-07-23",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak Solitaire Credit Card launched (invite-only HNW travel card)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/content/dam/Kotak/about-us/media-press-releases/2025/Kotak_Solitaire_Media_Release.pdf",
      "cardUrl": "https://cardadvisor.in/cards/kotak-solitaire",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-phonepe-select-black",
      "cardName": "PhonePe SBI Card SELECT BLACK",
      "issuer": "SBI Card",
      "date": "2025-07-22",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "PhonePe SBI Card SELECT BLACK launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/who-we-are/news/2025/Business%20Standard_20250722.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-phonepe-select-black",
      "noticeId": null,
      "actId": "sbi-2025-07-22-phonepe-sbi-card-purple-launched"
    },
    {
      "cardKey": "sbi-phonepe-purple",
      "cardName": "PhonePe SBI Card PURPLE",
      "issuer": "SBI Card",
      "date": "2025-07-22",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "PhonePe SBI Card PURPLE launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/who-we-are/news/2025/Business%20Standard_20250722.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-phonepe-purple",
      "noticeId": null,
      "actId": "sbi-2025-07-22-phonepe-sbi-card-purple-launched"
    },
    {
      "cardKey": "sbi-pulse",
      "cardName": "SBI Card PULSE",
      "issuer": "SBI Card",
      "date": "2025-07-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Complimentary air accident cover withdrawn",
      "before": "₹50 lakh cover",
      "after": "None",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-pulse",
      "noticeId": null,
      "actId": "sbi-2025-07-15-air-accident-cover-withdrawn"
    },
    {
      "cardKey": "sbi-miles-elite",
      "cardName": "SBI Card Miles Elite",
      "issuer": "SBI Card",
      "date": "2025-07-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Air accident cover reported withdrawn — SBI still publishes it on this card",
      "before": "₹1 crore complimentary cover",
      "after": "Reported withdrawn; SBI's live product page still lists it",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-miles-elite",
      "noticeId": null,
      "actId": "sbi-2025-07-15-air-accident-cover-withdrawn"
    },
    {
      "cardKey": "sbi-miles-prime",
      "cardName": "SBI Card MILES PRIME",
      "issuer": "SBI Card",
      "date": "2025-07-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Air accident insurance withdrawn",
      "before": "₹50 lakh",
      "after": "None",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-miles-prime",
      "noticeId": null,
      "actId": "sbi-2025-07-15-air-accident-cover-withdrawn"
    },
    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-07-15",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Complimentary domestic airport lounge access withdrawn",
      "before": "2 domestic visits/quarter (8/year)",
      "after": "None",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/welcomekit/EazyDiner_Signature_MITC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Dining discount capped at ₹2,000/month (previously uncapped)",
      "before": "No monthly cap (25%, up to ₹1,000/transaction)",
      "after": "₹2,000/month; up to ₹5,000 only with ₹30,000 non-dining spend the prior month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/welcomekit/EazyDiner_Signature_MITC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-07-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Monthly BookMyShow movie benefit discontinued",
      "before": "Up to ₹400/month via BookMyShow",
      "after": "None",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/welcomekit/EazyDiner_Signature_MITC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward Points cut: dining stops earning, point value ₹0.20 → ₹0.10",
      "before": "10 RP/₹100 on dining; ₹0.20/point",
      "after": "No points on dining; ₹0.10/point (hotel/travel accelerated to 10 RP/₹100)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/welcomekit/EazyDiner_Signature_MITC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-07-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Signature renewal fee raised ₹1,999 → ₹2,999",
      "before": "₹1,999",
      "after": "₹2,999",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/welcomekit/EazyDiner_Signature_MITC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-indigo-premium",
      "cardName": "IndiGo XL Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-07-10",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "IndiGo XL Kotak launched — new premium BluChip co-brand",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-xl-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-indigo-premium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-indigo",
      "cardName": "IndiGo Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-07-10",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak and IndiGo relaunch the co-brand on BluChips — base card at Rs 1,500",
      "before": null,
      "after": "Rs 1,500 joining and annual; up to 19 IndiGo BluChips per Rs 100 on IndiGo bookings",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-indigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Auto-redemption of reward points discontinued",
      "before": "Automatic redemption",
      "after": "Manual redemption via BOBCARD portal/app",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-uno",
      "cardName": "PhonePe HDFC Bank Uno Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-uno",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-uno",
      "cardName": "PhonePe HDFC Bank Uno Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-uno",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-uno",
      "cardName": "PhonePe HDFC Bank Uno Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-uno",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-marriott-bonvoy",
      "cardName": "Marriott Bonvoy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-marriott-bonvoy",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-marriott-bonvoy",
      "cardName": "Marriott Bonvoy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-marriott-bonvoy",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-marriott-bonvoy",
      "cardName": "Marriott Bonvoy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-marriott-bonvoy",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "bob-icai-exclusive",
      "cardName": "ICAI Exclusive BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icai-exclusive",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-icai-exclusive",
      "cardName": "ICAI Exclusive BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icai-exclusive",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-icai-exclusive",
      "cardName": "ICAI Exclusive BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icai-exclusive",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Zomato offer minimum order raised ₹200 to ₹499",
      "before": "₹200",
      "after": "₹499",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/zomato-offer-neo-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": null,
      "actId": "axis-2025-07-01-zomato-offer-minimum-order-raised-200-to-499"
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-go",
      "cardName": "HDFC PIXEL Go Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-go",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-go",
      "cardName": "HDFC PIXEL Go Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-go",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-go",
      "cardName": "HDFC PIXEL Go Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-go",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-upi-rupay",
      "cardName": "HDFC Bank UPI RuPay Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-upi-rupay",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-upi-rupay",
      "cardName": "HDFC Bank UPI RuPay Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-upi-rupay",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-upi-rupay",
      "cardName": "HDFC Bank UPI RuPay Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-upi-rupay",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-ultimo",
      "cardName": "PhonePe HDFC Bank Ultimo Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-ultimo",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-ultimo",
      "cardName": "PhonePe HDFC Bank Ultimo Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-ultimo",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-ultimo",
      "cardName": "PhonePe HDFC Bank Ultimo Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-ultimo",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": "2025-05-29",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee added on online skill-gaming; per-transaction fee cap raised",
      "before": "No gaming fee; category 1% fees capped at ₹3,000/txn",
      "after": "1% fee on skill-gaming above ₹10,000/month; category fee cap raised to ₹4,999/txn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit+Card/Credit+Card+Landing+Page/Credit+Cards/Co-Brand/IRCTC+Co-Brand+Credit+card/Terms-and-Conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": "2025-05-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "UPI-spend reward points capped and skill-gaming earning removed",
      "before": "UPI spends earned uncapped 1 RP/₹100; no gaming carve-out",
      "after": "UPI-spend points capped at 500 RP/month; no points on online skill-based gaming",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit+Card/Credit+Card+Landing+Page/Credit+Cards/Co-Brand/IRCTC+Co-Brand+Credit+card/Terms-and-Conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "slice",
      "cardName": "slice UPI Credit Card",
      "issuer": "slice",
      "date": "2025-07-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "slice relaunches as a lifetime-free RuPay UPI credit card",
      "before": "UPI-first prepaid + term loans",
      "after": "Bank-issued RuPay UPI credit card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.prnewswire.com/in/news-releases/slice-launches-flagship-credit-card-and-indias-first-upi-powered-bank-branch-302495390.html",
      "cardUrl": "https://cardadvisor.in/cards/slice",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-blck",
      "cardName": "Swiggy BLCK HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-blck",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-blck",
      "cardName": "Swiggy BLCK HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-blck",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-blck",
      "cardName": "Swiggy BLCK HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-blck",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance NeuCoins cap tightened from daily to monthly",
      "before": "2,000 NeuCoins per day",
      "after": "2,000 NeuCoins per month",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "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",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": null,
      "actId": "hdfc-2025-07-01-insurance-neucoins-cap-monthly"
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Online skill-based gaming stops earning NeuCoins",
      "before": "Online skill-based gaming earned NeuCoins",
      "after": "No NeuCoins on online skill-based gaming (MCC 5816)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "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",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": null,
      "actId": "hdfc-2025-07-01-online-skill-based-gaming-stops-earning"
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-play",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-play",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-play",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-irctc",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-irctc",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-irctc",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "idfc-mayura",
      "cardName": "IDFC FIRST Mayura Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Movie benefit moves from BookMyShow to District by Zomato",
      "before": "BookMyShow",
      "after": "District by Zomato",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-mayura",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-orange",
      "cardName": "Swiggy Ornge HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-orange",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-orange",
      "cardName": "Swiggy Ornge HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-orange",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-swiggy-orange",
      "cardName": "Swiggy Ornge HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy-orange",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop-black",
      "cardName": "Shoppers Stop Black HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop-black",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop-black",
      "cardName": "Shoppers Stop Black HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop-black",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop-black",
      "cardName": "Shoppers Stop Black HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop-black",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "rbl-platinum-maxima",
      "cardName": "RBL Bank Platinum Maxima Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access spend-gated at ₹35,000/quarter",
      "before": "Complimentary domestic visits (2/quarter)",
      "after": "Requires ₹35,000 spend in the prior calendar quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-maxima-plus-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/rbl-platinum-maxima",
      "noticeId": null,
      "actId": "rbl-2025-07-01-lounge-access-revision"
    },
    {
      "cardKey": "rbl-binge",
      "cardName": "RBL Bank Binge Credit Card",
      "issuer": "RBL Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Complimentary lounge access withdrawn",
      "before": "Complimentary lounge access included",
      "after": "No lounge access",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/binge-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/rbl-binge",
      "noticeId": null,
      "actId": "rbl-2025-07-01-lounge-access-revision"
    },
    {
      "cardKey": "au-traverse",
      "cardName": "AU Traverse Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-07",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Traverse launches as an NRI-exclusive premium travel card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-traverse",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-rupay-cashback",
      "cardName": "HSBC RuPay Cashback Credit Card",
      "issuer": "HSBC",
      "date": "2025-07",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "HSBC launches its first RuPay cashback card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hsbc-rupay-cashback",
      "noticeId": null,
      "actId": "hsbc-2025-07-hsbc-launches-its-first-rupay-credit-cards"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "Lower / no fixed minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utility bills",
      "after": "Core reward points restored on utility bills",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": "bob-2025-07-01-revision",
      "actId": null
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge raised to 3.75% per month",
      "before": "3.49% per month (41.88% p.a.)",
      "after": "3.75% per month (45% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum redemption raised to 1,000 points",
      "before": "No stated minimum",
      "after": "1,000 points minimum",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility bill payments earn reward points again",
      "before": "No reward points on utilities",
      "after": "2 reward points per ₹100 on utilities",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/lmod15z0/revision-in-product-features-charges_010725-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-indianoil",
      "cardName": "IndianOil HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-indianoil",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-indianoil",
      "cardName": "IndianOil HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-indianoil",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-indianoil",
      "cardName": "IndianOil HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-indianoil",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hsbc-rupay-platinum",
      "cardName": "HSBC RuPay Platinum Credit Card",
      "issuer": "HSBC",
      "date": "2025-07",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "HSBC launches its first RuPay credit cards",
      "before": null,
      "after": "Lifetime-free RuPay Platinum on the JCB network, UPI-linked, 2 reward points per ₹150",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hsbc-rupay-platinum",
      "noticeId": null,
      "actId": "hsbc-2025-07-hsbc-launches-its-first-rupay-credit-cards"
    },
    {
      "cardKey": "rbl-world-safari",
      "cardName": "RBL Bank World Safari Credit Card",
      "issuer": "RBL Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access spend-gated at ₹35,000/quarter",
      "before": "Complimentary domestic visits (2/quarter)",
      "after": "Requires ₹35,000 spend in the prior calendar quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/world-safari-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/rbl-world-safari",
      "noticeId": null,
      "actId": "rbl-2025-07-01-lounge-access-revision"
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance-spend NeuCoins capped monthly",
      "before": "Insurance earned base NeuCoins with a looser cap",
      "after": "2,000 NeuCoins per month on insurance spends",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": null,
      "actId": "hdfc-2025-07-01-insurance-neucoins-cap-monthly"
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Online skill-based gaming stops earning NeuCoins",
      "before": "Online skill-based gaming earned NeuCoins",
      "after": "No NeuCoins on online skill-based gaming (MCC 5816)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/tata-neu-plus-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": null,
      "actId": "hdfc-2025-07-01-online-skill-based-gaming-stops-earning"
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "1% fee added on rent, wallet loads and online gaming",
      "before": "No category surcharge on rent, wallet loads or gaming",
      "after": "1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on utilities above Rs 50,000 and on third-party education payments",
      "before": "No surcharge on utility or education payments",
      "after": "1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-07-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance reward points capped, online gaming stops earning",
      "before": "Insurance uncapped on most cards; online skill-based gaming earned points",
      "after": "Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/personal-mitc/mitc-in-english.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": "hdfc-2025-2026-surcharges-and-dcc",
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-uno",
      "cardName": "PhonePe HDFC Bank Uno Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-06-26",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": null,
      "status": "active",
      "title": "PhonePe HDFC Bank Uno Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/phonepe-hdfc-bank-uno-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-uno",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-phonepe-ultimo",
      "cardName": "PhonePe HDFC Bank Ultimo Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-06-26",
      "announced": "2025-06-26",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "PhonePe HDFC Bank Ultimo launched (RuPay co-brand, UPI-linked)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-phonepe-ultimo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "District movie BOGO added; BigBasket offer standardised",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-select-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Reward-exclusion basis moved from MCC to spend category",
      "before": "MCC-based",
      "after": "spend-category-based",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-neo-credit-card.pdf?sfvrsn=754f8791_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": null,
      "actId": "axis-2025-06-20-reward-exclusion-basis-moved-from-mcc-to"
    },
    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Reward-earn exclusions move from MCC to spend-category",
      "before": "Excluded spends identified by 4-digit Merchant Category Code",
      "after": "Same spends identified by named spend category",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-freecharge-final.pdf?sfvrsn=5c2fbc53_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
      "noticeId": null,
      "actId": "axis-2025-06-20-reward-earn-exclusions-move-from-mcc-to"
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Exclusion identification switched from MCC codes to spend category",
      "before": "Excluded categories (Rent, Wallet, Utility outside Freecharge, etc.) identified by 4-digit Merchant Category Code",
      "after": "Same categories identified by spend-category label instead of MCC",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-axis-bank-freecharge-plus-credit-card.pdf?sfvrsn=11092abb_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": null,
      "actId": "axis-2025-06-20-reward-exclusion-method-switched-from-mcc"
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Reward-earn exclusions move from MCC to spend-category",
      "before": "Excluded via 4-digit MCC",
      "after": "Excluded via spend category",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-myzone-credit-card.pdf?sfvrsn=6b8ed8a4_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": "axis-2025-06-20-reward-earn-exclusions-move-from-mcc-to"
    },
    {
      "cardKey": "axis-fibe",
      "cardName": "Fibe Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Reward-exclusion method switched from MCC to spend category",
      "before": "MCC-based",
      "after": "spend-category-based",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-fibe-credit-card.pdf?sfvrsn=c1a0777c_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-fibe",
      "noticeId": null,
      "actId": "axis-2025-06-20-reward-exclusion-method-switched-from-mcc"
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Complimentary domestic lounge access withdrawn",
      "before": "4 complimentary domestic lounge visits/year",
      "after": "None",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/retail/cards/credit-card/flipkart-axisbank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Unlimited 5% ends — ₹4,000/quarter caps added; Myntra raised to 7.5%",
      "before": "Unlimited 5% on Flipkart & Cleartrip; 1% on Myntra",
      "after": "5% Flipkart & 5% Cleartrip each capped ₹4,000/quarter; Myntra 7.5% capped ₹4,000/quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/cashback-tncs---final.pdf/1000",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-20",
      "announced": null,
      "type": "welcome",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome Flipkart voucher halved from ₹500 to ₹250",
      "before": "Flipkart voucher worth ₹500 on the first transaction within 30 days",
      "after": "Flipkart voucher worth ₹250, and only on fee-paying cards",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
      "date": "2025-06-12",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Edge+ successor launched with a richer 10% / 5% / 1% reward stack",
      "before": "Edge: 2% on one chosen category, 0.4% otherwise, ₹0 joining",
      "after": "Edge+: 10% shopping, 5% travel, 1% UPI/other, ₹999 joining",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.csb.bank.in/csb-bank-edge-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/jupiter-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "scapia-federal",
      "cardName": "Scapia Credit Card",
      "issuer": "Federal Bank",
      "date": "2025-06-12",
      "announced": null,
      "type": "network",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "RuPay UPI dual-network variant added",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.scapia.cards/newsroom/summer-release2025",
      "cardUrl": "https://cardadvisor.in/cards/scapia-federal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-gold",
      "cardName": "American Express Gold Card",
      "issuer": "American Express",
      "date": "2025-06-12",
      "announced": "2025-05-12",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel spends stop earning Membership Rewards",
      "before": "1 MR point per ₹50 on fuel (cap 5,000 pts/mo)",
      "after": "No MR points on fuel (petrol/diesel/CNG at OMCs)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/content/dam/amex/en-in/benefits/membership-rewards-terms.pdf",
      "cardUrl": "https://cardadvisor.in/cards/amex-gold",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-06-10",
      "announced": "2025-05-20",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access moved to spend milestone",
      "before": "Swipe-based unlimited-style access (DreamFolks), up to 8/yr",
      "after": "₹50,000/quarter spend → 2 vouchers/quarter (up to 8/yr)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/tata-neu-infinity-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": null,
      "actId": "hdfc-2025-06-10-domestic-lounge-access-moved-to-spend"
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2025-06-10",
      "announced": "2025-05-20",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access moved to spend milestone",
      "before": "Swipe-based complimentary domestic access",
      "after": "Rs 50,000/quarter spend -> 1 voucher/quarter (max 4/yr)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=%2FPersonal%2FPay%2FCards%2FCredit+Card%2FCredit+Card+Landing+Page%2FCredit+Cards%2FTATA+Neu+Plus+HDFC+Bank+Credit+Card%2FMilestone_Lounge_TataNeuCC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": null,
      "actId": "hdfc-2025-06-10-domestic-lounge-access-moved-to-spend"
    },
    {
      "cardKey": "kiwi",
      "cardName": "Kiwi RuPay Credit Card",
      "issuer": "YES Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Kiwis now earned only on ₹100 multiples",
      "before": "per ₹50 of spend",
      "after": "per ₹100 of spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://gokiwi.in/rewards-policy-v2/",
      "cardUrl": "https://cardadvisor.in/cards/kiwi",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kiwi",
      "cardName": "Kiwi RuPay Credit Card",
      "issuer": "YES Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Minimum redemption raised to 500 Kiwis",
      "before": "lower / flexible",
      "after": "500 Kiwis (₹125), in multiples of 500",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://gokiwi.in/rewards-policy-v2/",
      "cardUrl": "https://cardadvisor.in/cards/kiwi",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-811",
      "cardName": "Kotak 811 #DreamDifferent Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "June 2025 revision: 1% category transaction fees added",
      "before": "No category transaction fee (reported)",
      "after": "1% above per-cycle limits; 2% on all rent",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-811",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-private",
      "cardName": "IDFC FIRST Private Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bonus travel earning added on the Travel & Shop portal",
      "before": "Base points only on travel bookings",
      "after": "Up to 50 bonus RP/₹150 on hotels, 20 bonus RP/₹150 on flights (base 10 RP/₹150)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/FIRSTPrivateCreditCard",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-private",
      "cardName": "IDFC FIRST Private Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "welcome",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Relaunch adds welcome & renewal reward bonuses",
      "before": "No headline welcome-point bonus",
      "after": "50,000 welcome RP + Club ITC Culinaire; 25,000 RP on renewal",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/FIRSTPrivateCreditCard",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-private",
      "cardName": "IDFC FIRST Private Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "redemption",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Travel-portal redemption revalued to ₹1 per point",
      "before": "1 RP = ₹0.25 everywhere",
      "after": "1 RP = ₹1 on the FIRST Travel & Shop portal (₹0.25 elsewhere)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/FIRSTPrivateCreditCard",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-white",
      "cardName": "Kotak White Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": "2025-05-08",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Transaction fees introduced on rent, wallet, fuel, utility, education and gaming spends",
      "before": "No category transaction fees",
      "after": "Rent charged 2%; wallet, fuel, utility, education & gaming 1% past per-cycle limits",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/list-of-mccs-with-respect-to-revised-fees-and-rewards_june_01_2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/kotak-white",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-zen-signature",
      "cardName": "Kotak Zen Signature Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Cash redemption value cut ₹0.25 → ₹0.20",
      "before": "₹0.25 per point",
      "after": "₹0.20 per point (min 2,000 points to redeem)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/zen-signature-credit-card/value-chart.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-zen-signature",
      "noticeId": null,
      "actId": "kotak-2025-06-01-cash-redemption-value-cut-0-25-0-20"
    },
    {
      "cardKey": "kotak-zen-signature",
      "cardName": "Kotak Zen Signature Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Categories excluded and capped from reward earning",
      "before": "Wallet, fuel, rent, gaming, utility, education, insurance & government spends earned points",
      "after": "Wallet, fuel, rent & gaming earn nothing; utility/education/insurance/government capped",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/zen-signature-credit-card/features.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-zen-signature",
      "noticeId": null,
      "actId": "kotak-2025-06-01-reward-category-exclusions"
    },
    {
      "cardKey": "kotak-zen-signature",
      "cardName": "Kotak Zen Signature Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access spend-gated at ₹75,000/quarter",
      "before": "Unconditional complimentary domestic lounge visits",
      "after": "2 domestic visits per quarter only after ₹75,000 spend in the prior quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/zen-signature-credit-card/features.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-zen-signature",
      "noticeId": null,
      "actId": "kotak-2025-06-01-lounge-access-made-spend-gated"
    },
    {
      "cardKey": "kotak-zen-signature",
      "cardName": "Kotak Zen Signature Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge raised 3.5% → 3.75% per month",
      "before": "3.5% per month",
      "after": "3.75% per month",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-zen-signature",
      "noticeId": null,
      "actId": "kotak-2025-06-01-finance-charge-category-fees"
    },
    {
      "cardKey": "axis-supermoney",
      "cardName": "Axis Bank SUPERMONEY RuPay Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Launch promo — 100% cashback up to ₹500 on the first Flipkart UPI spend",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://super.money/launch-cashback-offer",
      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-indianoil",
      "cardName": "IndianOil Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": "2025-05-08",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge raised; 1% category transaction fees added",
      "before": "A lower monthly finance charge (reported at 3.5%; Kotak publishes no pre-revision rate); no category transaction fee",
      "after": "3.75% per month; 1% fee on select categories over per-cycle limits — fuel exempt on this card",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-indianoil",
      "noticeId": null,
      "actId": "kotak-2025-06-01-finance-charge-category-fees"
    },
    {
      "cardKey": "kotak-indianoil",
      "cardName": "IndianOil Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": "2025-05-08",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility, rent, wallet and other categories stop earning reward points",
      "before": "Utility, education, insurance, wallet, rent and government spends earned points",
      "after": "These categories earn no reward points",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/list-of-mccs-with-respect-to-revised-fees-and-rewards_june_01_2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/kotak-indianoil",
      "noticeId": null,
      "actId": "kotak-2025-06-01-reward-category-exclusions"
    },
    {
      "cardKey": "kotak-upi-rupay",
      "cardName": "Kotak UPI RuPay Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": "2025-05-08",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Cash redemption value cut ₹0.10 → ₹0.07 per point",
      "before": "₹0.10 per point",
      "after": "₹0.07 per point (min 2,000 points to redeem)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-upi-rupay-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-upi-rupay",
      "noticeId": null,
      "actId": "kotak-2025-06-01-cash-redemption-value-cut-0-25-0-20"
    },
    {
      "cardKey": "kotak-upi-rupay",
      "cardName": "Kotak UPI RuPay Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": "2025-05-08",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge raised; 1% category transaction fees added",
      "before": "3.5% per month finance charge (reported); no category transaction fee",
      "after": "3.75% per month; 1% fee on select categories over per-cycle limits",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-upi-rupay",
      "noticeId": null,
      "actId": "kotak-2025-06-01-finance-charge-category-fees"
    },
    {
      "cardKey": "kotak-upi-rupay",
      "cardName": "Kotak UPI RuPay Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": "2025-05-08",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Several categories dropped from reward earning",
      "before": "Wallet, gaming, insurance, government, fuel, rent & education spends earned points",
      "after": "These categories earn no reward points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/kotak-upi-rupay-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-upi-rupay",
      "noticeId": null,
      "actId": "kotak-2025-06-01-reward-category-exclusions"
    },
    {
      "cardKey": "kotak-white-reserve",
      "cardName": "Kotak White Reserve Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "White Reserve exempted from the bank-wide reward cuts and category fees",
      "before": "No category transaction fees; all spends earned White Pass",
      "after": "Unchanged — the revision did not extend to White Reserve",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/list-of-mccs-with-respect-to-revised-fees-and-rewards_june_01_2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/kotak-white-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-league-platinum",
      "cardName": "Kotak League Platinum Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge raised; 1% category fees added",
      "before": "3.5% per month finance charge; no category transaction fee",
      "after": "3.75% per month; 1% fee on select categories over per-cycle limits",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-league-platinum",
      "noticeId": null,
      "actId": "kotak-2025-06-01-finance-charge-category-fees"
    },
    {
      "cardKey": "kotak-league-platinum",
      "cardName": "Kotak League Platinum Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward point cash value cut ₹0.10 → ₹0.07",
      "before": "₹0.10 per point",
      "after": "₹0.07 per point (min 2,000 points to redeem)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card/reward-redemption.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-league-platinum",
      "noticeId": null,
      "actId": "kotak-2025-06-01-cash-redemption-value-cut-0-25-0-20"
    },
    {
      "cardKey": "kotak-league-platinum",
      "cardName": "Kotak League Platinum Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2025-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Several categories dropped from reward earning",
      "before": "Utility, fuel, rent, education, insurance, government, wallet & gaming earned points",
      "after": "These categories earn nothing; utility capped at ₹35,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card/features.html",
      "cardUrl": "https://cardadvisor.in/cards/kotak-league-platinum",
      "noticeId": null,
      "actId": "kotak-2025-06-01-reward-category-exclusions"
    },
    {
      "cardKey": "sbm-zet",
      "cardName": "SBM ZET Credit Card",
      "issuer": "SBM Bank India",
      "date": "2025-05-28",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "SBM ZET Credit Card launched",
      "before": null,
      "after": "Lifetime-free FD-backed RuPay credit card via the ZET app",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbm-zet",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-supermoney",
      "cardName": "Axis Bank SUPERMONEY RuPay Credit Card",
      "issuer": "Axis Bank",
      "date": "2025-05-22",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Bank & super.money launch the SUPERMONEY RuPay Credit Card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/press-releases/axis-bank-super-money-22-05-25.pdf?sfvrsn=c69496_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-supermoney",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-apollo-select",
      "cardName": "Apollo SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2025-05-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Apollo SBI Card SELECT launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/Apollo-SBI-Card-SELECT-FAQ.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-apollo-select",
      "noticeId": null,
      "actId": "sbi-2025-05-15-apollo-sbi-card-launched"
    },
    {
      "cardKey": "sbi-apollo",
      "cardName": "Apollo SBI Card",
      "issuer": "SBI Card",
      "date": "2025-05-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Apollo SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-apollo",
      "noticeId": null,
      "actId": "sbi-2025-05-15-apollo-sbi-card-launched"
    },
    {
      "cardKey": "slice",
      "cardName": "slice UPI Credit Card",
      "issuer": "slice",
      "date": "2025-05-14",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Merged bank renamed slice Small Finance Bank",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/slice",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-platinum",
      "cardName": "HSBC Visa Platinum Credit Card",
      "issuer": "HSBC",
      "date": "2025-05-14",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "HSBC revamps rewards programme with 20 transfer partners",
      "before": "Points redeemable for merchandise, vouchers and limited airmiles conversion",
      "after": "Points transfer to 20 airline and hotel partners (15 airlines + 5 hotels) at 2:1, tracked in-app",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.about.hsbc.bank.in/-/media/india/en/news-and-media/250514-hsbc-rewards-platform-2025.pdf?sc_lang=en-GB",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-platinum",
      "noticeId": null,
      "actId": "hsbc-2025-05-14-hsbc-revamps-rewards-programme-with-20"
    },
    {
      "cardKey": "hsbc-premier",
      "cardName": "HSBC Premier World Mastercard",
      "issuer": "HSBC",
      "date": "2025-05-14",
      "announced": null,
      "type": "transfer",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "HSBC Rewards Marketplace adds 20 transfer partners at 1:1",
      "before": "Catalogue / voucher redemption, no transfer partners",
      "after": "20 partners (15 airlines + 5 hotels), mostly 1:1",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.about.hsbc.bank.in/-/media/india/en/news-and-media/250514-hsbc-rewards-platform-2025.pdf?sc_lang=en-GB",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-premier",
      "noticeId": null,
      "actId": "hsbc-2025-05-14-hsbc-revamps-rewards-programme-with-20"
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-05-04",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fee on fuel spends above ₹50,000/cycle",
      "before": "No bank fee on fuel spends",
      "after": "1% + GST on cumulative fuel above ₹50,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Fuel-transaction-Fee.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2025-05-04-new-1-fee-on-fuel-spends-above-50-000-cycle"
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-05-04",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fee on fuel spends above ₹50,000/cycle",
      "before": "No bank fee on fuel spends",
      "after": "1% + GST on cumulative fuel above ₹50,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Fuel-transaction-Fee.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2025-05-04-new-1-fee-on-fuel-spends-above-50-000-cycle"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-05-04",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fee on fuel spends above ₹50,000/cycle",
      "before": "No bank fee on fuel spends",
      "after": "1% + GST on cumulative fuel above ₹50,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Fuel-transaction-Fee.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2025-05-04-new-1-fee-on-fuel-spends-above-50-000-cycle"
    },
    {
      "cardKey": "indusind-samman",
      "cardName": "IndusInd Bank Samman Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-05-04",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fee on fuel spends above ₹50,000/cycle",
      "before": "No bank fee on fuel spends",
      "after": "1% + GST on cumulative fuel above ₹50,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Fuel-transaction-Fee.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-samman",
      "noticeId": null,
      "actId": "indusind-2025-05-04-new-1-fee-on-fuel-spends-above-50-000-cycle"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-05-04",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fee on fuel spends above ₹50,000/cycle",
      "before": "No bank fee on fuel spends",
      "after": "1% + GST on cumulative fuel above ₹50,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Fuel-transaction-Fee.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2025-05-04-new-1-fee-on-fuel-spends-above-50-000-cycle"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-05-04",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fee on fuel spends above ₹50,000/cycle",
      "before": "No bank fee on fuel spends",
      "after": "1% + GST on cumulative fuel above ₹50,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Fuel-transaction-Fee.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2025-05-04-new-1-fee-on-fuel-spends-above-50-000-cycle"
    },
    {
      "cardKey": "yes-private",
      "cardName": "YES Private Credit Card",
      "issuer": "YES Bank",
      "date": "2025-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Over-limit facility discontinued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-private",
      "noticeId": null,
      "actId": "yes-2025-05-01-over-limit-facility-discontinued"
    },
    {
      "cardKey": "yes-private-prime",
      "cardName": "YES Private Prime Credit Card",
      "issuer": "YES Bank",
      "date": "2025-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Over-limit facility discontinued",
      "before": "Spends above the limit allowed at 2.5% or ₹500, whichever is higher",
      "after": "Withdrawn — such transactions declined",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-private-prime",
      "noticeId": null,
      "actId": "yes-2025-05-01-over-limit-facility-discontinued"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2025-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Over-limit facility discontinued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2025-05-01-over-limit-facility-discontinued"
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2025-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Over-limit facility discontinued",
      "before": "Allowed, with a ₹500 over-limit charge",
      "after": "Transactions above the limit automatically declined",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": "yes-2025-05-01-over-limit-facility-discontinued"
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2025-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Over-limit facility discontinued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": "yes-2025-05-01-over-limit-facility-discontinued"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2025-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Over-limit facility discontinued",
      "before": "Spends above the limit allowed at a ₹500 charge",
      "after": "Spends above the limit declined",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2025-05-01-over-limit-facility-discontinued"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2025-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Over-limit facility discontinued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2025-05-01-over-limit-facility-discontinued"
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2025-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Over-limit facility discontinued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2025-05-01-over-limit-facility-discontinued"
    },
    {
      "cardKey": "sbi-tata-neu-plus",
      "cardName": "Tata Neu Plus SBI Card",
      "issuer": "SBI Card",
      "date": "2025-04-16",
      "announced": "2025-04-16",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Tata Neu Plus SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-tata-neu-plus",
      "noticeId": null,
      "actId": "sbi-2025-04-16-tata-neu-plus-sbi-card-launched"
    },
    {
      "cardKey": "sbi-tata-neu-infinity",
      "cardName": "Tata Neu Infinity SBI Card",
      "issuer": "SBI Card",
      "date": "2025-04-16",
      "announced": "2025-04-16",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Tata Neu Infinity SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/Tata-Neu-Infinity-Booklet.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-tata-neu-infinity",
      "noticeId": null,
      "actId": "sbi-2025-04-16-tata-neu-plus-sbi-card-launched"
    },
    {
      "cardKey": "yes-private",
      "cardName": "YES Private Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Government, marketing and advertising spends stop earning points",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-private",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Redemption fee raised to ₹149; 50%-of-balance cap added",
      "before": "No 50%-of-balance cap; lower cash-redemption fee",
      "after": "₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-pioneer-legacy",
      "cardName": "IndusInd Bank Pioneer Legacy Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Cash redemption fee raised to ₹149 and capped at 50% of balance",
      "before": "Lower redemption fee; full balance redeemable",
      "after": "₹149 + GST per cash redemption; max 50% of balance",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-legacy",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "yes-private-prime",
      "cardName": "YES Private Prime Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Government, marketing and advertising spends stop earning points",
      "before": "Government, marketing and advertising spends earned points",
      "after": "These three categories earn nothing",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-private-prime",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
    },
    {
      "cardKey": "indusind-tiger",
      "cardName": "IndusInd Bank Tiger Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Redemption fee added; Pay-with-Rewards value cut",
      "before": "No per-redemption fee",
      "after": "₹149 + GST per redemption; twid capped 12.5% travel / 10% other from 2nd txn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-tiger",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-pioneer-private",
      "cardName": "IndusInd Bank Pioneer Private Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash redemption capped at 50% of points balance",
      "before": "Full points balance redeemable against cash credit",
      "after": "Max 50% of balance per redemption; points clawed back on delinquency",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-private",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2025-04-01",
      "announced": "2025-03-25",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Platinum Travel Collection redemption devalued",
      "before": "Taj 0.5/point; Flipkart available",
      "after": "Taj 0.4/point; Flipkart removed; Air India 0.3/pt & Postcard Hotels 0.5/pt added",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/credit-cards/platinum-travel-credit-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Redemption fee raised to ₹149; 50%-of-balance cap added",
      "before": "No 50%-of-balance cap; lower cash-redemption fee",
      "after": "₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-indulge",
      "cardName": "IndusInd Bank Indulge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": "2025-03-25",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Redemption fee raised; Pay-with-Rewards value cut",
      "before": "Cash redemption fee ₹100; no balance cap",
      "after": "₹149 + GST cash redemption; twid per-txn fees; 50%-of-balance cap",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-indulge",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-crest",
      "cardName": "IndusInd Bank Crest Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Cash redemption fee raised to ₹149 and capped at 50% of balance",
      "before": "Lower redemption fee; full balance redeemable",
      "after": "₹149 + GST per cash redemption; max 50% of balance",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-crest",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Redemption fee raised to ₹149; 50%-of-balance cap added",
      "before": "No 50%-of-balance cap; lower cash-redemption fee",
      "after": "₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cash redemption capped at 50% of points balance",
      "before": "Full points balance redeemable against cash credit",
      "after": "Max 50% of balance per redemption; points clawed back on delinquency",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Redemption fee raised to ₹149; 50%-of-balance cap added",
      "before": "No 50%-of-balance cap; lower cash-redemption fee",
      "after": "₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-solitaire",
      "cardName": "IndusInd Bank Indus Solitaire Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Cash redemption fee raised to ₹149 and capped at 50% of balance",
      "before": "Lower redemption fee; full balance redeemable",
      "after": "₹149 + GST per cash redemption; max 50% of balance",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-solitaire",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "hsbc-premier",
      "cardName": "HSBC Premier World Mastercard",
      "issuer": "HSBC",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Fuel dropped and category caps added to the 3X earn",
      "before": "3 RP/₹100 on all spends, no exclusions",
      "after": "Fuel earns nothing; ~11 categories capped at ₹1,00,000/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-premier",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-premier",
      "cardName": "HSBC Premier World Mastercard",
      "issuer": "HSBC",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption consolidated to the mobile app",
      "before": "PhoneBanking (IVR), online banking and website",
      "after": "HSBC India Mobile Banking app only, instant redemption",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.about.hsbc.bank.in/-/media/india/en/news-and-media/250514-hsbc-rewards-platform-2025.pdf?sc_lang=en-GB",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-premier",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Government, marketing and advertising spends stop earning points",
      "before": "Government, marketing and advertising spends earned the base rate",
      "after": "No YES Rewardz on those categories",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": "2024-10-30",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Lounge spend gate raised to ₹50,000 a quarter",
      "before": "₹35,000 per quarter",
      "after": "₹50,000 per quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2025-04-01-lounge-spend-gates-raised"
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": "2024-10-30",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge spend gate raised to ₹50,000 a quarter",
      "before": "₹35,000 a quarter",
      "after": "₹50,000 a quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": "yes-2025-04-01-lounge-spend-gates-raised"
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Government, marketing and advertising spends stop earning points",
      "before": "Government, marketing and advertising spends earned the base rate",
      "after": "These categories earn nothing",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
    },
    {
      "cardKey": "indusind-legend",
      "cardName": "IndusInd Bank Legend Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": "2025-03-25",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Redemption fee raised; Pay-with-Rewards value cut",
      "before": "Redemption fee ₹100 + GST; no 50% balance cap",
      "after": "₹149 + GST per cash redemption; twid 12.5% travel / 10% other from 2nd txn; 50%-of-balance cap",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-legend",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": "2024-10-30",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge spend threshold raised to ₹1 lakh/quarter",
      "before": "₹35,000 / quarter",
      "after": "₹1,00,000 / quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": "yes-2025-04-01-lounge-spend-gates-raised"
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Government, marketing & advertising spends stop earning",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Government, marketing and advertising spends stop earning points",
      "before": "Government and tax payments earned 2 points per ₹200",
      "after": "Government, marketing and advertising spends earn nothing",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": "2024-10-30",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge spend gate raised to ₹50,000 a quarter",
      "before": "₹35,000 / quarter",
      "after": "₹50,000 / quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2025-04-01-lounge-spend-gates-raised"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Government, marketing and advertising spends stop earning points",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic airport lounge access becomes spend-gated",
      "before": "Free of any spend criteria (per launch terms)",
      "after": "₹20,000 spend required in a calendar quarter (eligibility activates within 2 days of crossing the threshold)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "ixigo train-booking reward rate halved",
      "before": "20 RP/₹200",
      "after": "10 RP/₹200",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-nexxt",
      "cardName": "IndusInd Bank Nexxt Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": "2025-03-25",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash-redemption fee raised to ₹149",
      "before": "₹100 + GST per cash-credit redemption",
      "after": "₹149 + GST per cash-credit redemption",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-nexxt",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "sbi-simply-click",
      "cardName": "SBI SimplyCLICK Credit Card",
      "issuer": "SBI Card",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Swiggy dropped from 10X to 5X",
      "before": "10X",
      "after": "5X",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-click",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Redemption fee raised to ₹149; 50%-of-balance cap added",
      "before": "No 50%-of-balance cap; lower cash-redemption fee",
      "after": "₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2025-04-01-redemption-terms-revision"
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Base earn tripled to 3 Avios per ₹200",
      "before": "1 Avios per ₹200",
      "after": "3 Avios per ₹200 (6 on preferred destination POS, 5 on BA/Qatar)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/avios-visa-infinite-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Joining fee slashed to ₹10,000",
      "before": "₹40,000 joining + ₹10,000 annual",
      "after": "₹10,000 joining + ₹5,000 annual",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/avios-visa-infinite-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-04",
      "announced": null,
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Milestone cap trimmed to 36,000 Avios/year",
      "before": "25,000 x2 at ₹8L each = up to 50,000/yr",
      "after": "18,000 x2 (₹8L annual + ₹16L cumulative) = up to 36,000/yr",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/avios-visa-infinite-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Government, marketing & advertising spends stop earning points",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2025-04-01-government-marketing-advertising-spends"
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access spend-gated at ₹1 lakh/quarter",
      "before": "Lower spend threshold",
      "after": "₹1,00,000 spend in previous quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2025-04-01-lounge-spend-gates-raised"
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-04-01",
      "announced": null,
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Milestone cashback spend thresholds raised",
      "before": "5% bonus at ₹7,500 spend per 30-day cycle; 2% bonus at ₹10,000",
      "after": "5% bonus at ₹10,000 spend per 30-day cycle; 2% bonus at ₹15,000",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2025-04-01-milestone-cashback-thresholds-raised"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-03-13",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Golf benefit restructured to 1 game + 1 lesson per month",
      "before": null,
      "after": "1 complimentary game + 1 complimentary lesson per month",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-03-13",
      "announced": null,
      "type": "lounge",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "International lounge access defined as 1 visit per quarter",
      "before": null,
      "after": "1 complimentary Priority Pass visit per calendar quarter, outside India",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-legend",
      "cardName": "IndusInd Bank Legend Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-03-07",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Complimentary airport lounge access discontinued",
      "before": "Complimentary domestic lounge + Priority Pass membership",
      "after": "No complimentary lounge (Priority Pass membership retained, pay per visit)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-legend",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2025-03",
      "announced": null,
      "type": "eligibility",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "New applications paused in India",
      "before": "Open to new applicants",
      "after": "Paused for new applicants (existing cardmembers unaffected)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": "amex-2025-03-new-applications-paused-in-india"
    },
    {
      "cardKey": "amex-gold",
      "cardName": "American Express Gold Card",
      "issuer": "American Express",
      "date": "2025-03",
      "announced": null,
      "type": "eligibility",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "New applications paused in India",
      "before": "Open to new applicants",
      "after": "Paused for new applicants (existing cardmembers unaffected)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-gold",
      "noticeId": null,
      "actId": "amex-2025-03-new-applications-paused-in-india"
    },
    {
      "cardKey": "sc-digismart",
      "cardName": "Standard Chartered DigiSmart Credit Card",
      "issuer": "Standard Chartered",
      "date": "2025-03-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Myntra 20% instant discount withdrawn",
      "before": "20% off Myntra, up to ₹700/month",
      "after": "Myntra offer removed",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-digismart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-mrcc",
      "cardName": "American Express Membership Rewards Credit Card",
      "issuer": "American Express",
      "date": "2025-03",
      "announced": null,
      "type": "eligibility",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "New applications paused in India",
      "before": "Open to new applicants",
      "after": "Paused for new applicants (existing cardmembers unaffected)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-mrcc",
      "noticeId": null,
      "actId": "amex-2025-03-new-applications-paused-in-india"
    },
    {
      "cardKey": "idfc-swyp",
      "cardName": "IDFC FIRST SWYP Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-02-20",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Railway lounge access spend-gated for the first time",
      "before": "4 visits per quarter, no spend condition",
      "after": "Same 4 visits, but ₹20,000 previous-month spend required to unlock",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-SWYP-Credit-Card-Communication-May-26.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-swyp",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-zenith-plus",
      "cardName": "AU Zenith Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-01-27",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Zenith Plus metal card launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-zenith-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-travelone",
      "cardName": "HSBC TravelOne Credit Card",
      "issuer": "HSBC",
      "date": "2025-01-22",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "HSBC TravelOne launched in India",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/products/travelone/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-travelone",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-01-21",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "InterMiles redemption route discontinued",
      "before": "Points → InterMiles",
      "after": "InterMiles route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-rupay-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2025-01-21-intermiles-route-withdrawn"
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-01-21",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "InterMiles redemption route discontinued",
      "before": "Points → InterMiles",
      "after": "InterMiles route withdrawn (KrisFlyer retained at 2:1)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/microsites/celesta/celesta-rewards.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2025-01-21-intermiles-route-withdrawn"
    },
    {
      "cardKey": "indusind-indulge",
      "cardName": "IndusInd Bank Indulge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-01-21",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "InterMiles redemption route discontinued",
      "before": "Points → InterMiles",
      "after": "InterMiles route withdrawn",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-indulge",
      "noticeId": null,
      "actId": "indusind-2025-01-21-intermiles-route-withdrawn"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-01-21",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "InterMiles redemption route discontinued",
      "before": "Points → InterMiles",
      "after": "InterMiles route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2025-01-21-intermiles-route-withdrawn"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-01-21",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "InterMiles redemption route discontinued",
      "before": "Points → InterMiles",
      "after": "InterMiles route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-aura-edge-visa-and-mastercard-credit-card-easy-credit.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2025-01-21-intermiles-route-withdrawn"
    },
    {
      "cardKey": "indusind-legend",
      "cardName": "IndusInd Bank Legend Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-01-21",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "InterMiles redemption route discontinued",
      "before": "Points → InterMiles",
      "after": "InterMiles route withdrawn",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-legend",
      "noticeId": null,
      "actId": "indusind-2025-01-21-intermiles-route-withdrawn"
    },
    {
      "cardKey": "indusind-nexxt",
      "cardName": "IndusInd Bank Nexxt Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-01-21",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "InterMiles redemption withdrawn",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-nexxt",
      "noticeId": null,
      "actId": "indusind-2025-01-21-intermiles-route-withdrawn"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025-01-21",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "InterMiles redemption route discontinued",
      "before": "Points → InterMiles",
      "after": "InterMiles route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-visa-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2025-01-21-intermiles-route-withdrawn"
    },
    {
      "cardKey": "idfc-earn",
      "cardName": "IDFC FIRST EA₹N Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2025-01-20",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST EA₹N launched with RuPay",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/secured-rupay-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-earn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-01-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Category cashback cap halved to ₹500 a cycle",
      "before": "₹1,000 on each category in a 30-day period",
      "after": "₹500 on each of grocery and apparel in a 30-day period",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/lit-terms-and-conditions",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2025-01-15-category-cashback-cap-halved"
    },
    {
      "cardKey": "onecard",
      "cardName": "OneCard Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-06",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "5X now requires spending across three categories",
      "before": "5X applied to top-2 categories on any qualifying spend",
      "after": "5X applies only if you spend at least ₹750 in each of three or more categories in the month",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.getonecard.app/blog/onecard-credit-card-rewards/",
      "cardUrl": "https://cardadvisor.in/cards/onecard",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet-load, high-value utility and fuel spends",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points removed on wallet-load spends",
      "before": "Earned base reward points",
      "after": "No core RP on wallet loads (MCC 6539–6542)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": null,
      "actId": "bob-2025-01-01-reward-points-removed-on-wallet-load-spends"
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "UPI reward-point cap removed",
      "before": "Capped at 500 RP per statement cycle",
      "after": "Unlimited RP on UPI spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": null,
      "actId": "bob-2025-01-01-upi-reward-point-cap-removed"
    },
    {
      "cardKey": "uni-goldx",
      "cardName": "BOBCARD Uni GoldX Credit Card",
      "issuer": "BOBCARD",
      "date": "2025",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Uni GoldX launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/uni-goldx",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "roarbank",
      "cardName": "Roarbank RuPay Credit Card",
      "issuer": "Unity Small Finance Bank",
      "date": "2025",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Roarbank RuPay credit card goes live with Unity Small Finance Bank",
      "before": null,
      "after": "App-first lifetime-free RuPay/UPI card with up to 20% category-choice cashback",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/roarbank",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-icai-exclusive",
      "cardName": "ICAI Exclusive BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated to ₹40,000/quarter spend",
      "before": "3 visits/quarter, no spend gate",
      "after": "3 visits/quarter after ₹40,000/quarter spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icai-exclusive",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-icai-exclusive",
      "cardName": "ICAI Exclusive BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet-load, high-value utility and fuel spends",
      "before": "No processing fees",
      "after": "1% on wallet-load, ₹50k+ utility and ₹10k+ fuel",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icai-exclusive",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet-load and utility spends",
      "before": "No processing fee on wallet loads or utility payments",
      "after": "1% on wallet loads; 1% (max ₹3,000) on utility payments of ₹50,000 or more",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Quarterly lounge access gated to ₹20,000 prior-quarter spend",
      "before": "Complimentary quarterly domestic lounge visit, unconditional",
      "after": "Visit requires at least ₹20,000 spend in the preceding calendar quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet-load & utility spends",
      "before": "No processing fee",
      "after": "1% on wallet loads; 1% (max ₹3,000) on utility payments ≥ ₹50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet-load & utility spends",
      "before": "No processing fee on wallet loads or utility payments",
      "after": "1% on wallet loads; 1% (max ₹3,000) on utility payments ≥₹50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/yzqbo2hq/bobcard-tarrif-feature-changes-wef-1st-jan25.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access gated to ₹40,000/quarter spend",
      "before": "Unlimited, unconditional",
      "after": "₹40,000 spend in prior quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet-load and utility spends",
      "before": "No processing fee on wallet loads or utility payments",
      "after": "1% on wallet loads; 1% (max ₹3,000) on utility payments >= ₹50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-irctc",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "icici-adani-platinum",
      "cardName": "Adani One ICICI Bank Platinum Credit Card",
      "issuer": "ICICI Bank",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cashback on the American Express variant withdrawn",
      "before": "Amex variant carried cashback offers",
      "after": "Cashback offers revoked",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/platinum-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Quarterly lounge access gated to ₹20,000/quarter spend",
      "before": "1 complimentary domestic lounge visit per quarter, no spend condition",
      "after": "1 visit per quarter, requires ₹20,000 spend in the preceding calendar quarter (waived for the issuance quarter)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2025",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "superseded",
      "title": "Club Vistara Silver & Trident Privilege memberships discontinued",
      "before": "Complimentary Club Vistara Silver + Trident Privilege Red memberships",
      "after": "Both memberships withdrawn",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": "sbi-2025-club-vistara-silver-trident-privilege"
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic airport lounge access made spend-gated",
      "before": "Complimentary come-and-go domestic lounge access, no spend condition",
      "after": "₹20,000 minimum spend per calendar quarter",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": "au-2025-01-01-domestic-airport-lounge-access-made-spend"
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lifetime-free status ends; ₹749 joining/annual fee introduced",
      "before": "Lifetime free — no joining or annual fee",
      "after": "₹749 + GST joining and annual fee (waived on ₹2,00,000 retail spend from year 2)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2025-lifetime-free-status-ends-749-fee-introduced"
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic airport lounge access made spend-gated at ₹20,000/quarter",
      "before": "2 complimentary domestic lounge visits/quarter, no spend condition",
      "after": "₹20,000 minimum spend per calendar quarter",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2025-01-01-domestic-airport-lounge-access-made-spend"
    },
    {
      "cardKey": "hsbc-premier",
      "cardName": "HSBC Premier World Mastercard",
      "issuer": "HSBC",
      "date": "2025",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Airport transfers, meet-and-greet and luxury access added",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hsbc-premier",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-premier",
      "cardName": "HSBC Premier World Mastercard",
      "issuer": "HSBC",
      "date": "2025",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Welcome bonus switched from Taj voucher to 20,000 Reward Points",
      "before": "₹12,000 Taj Hotels gift card",
      "after": "20,000 Reward Points (transferable 1:1)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/products/premier-mastercard/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-premier",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lifetime-free status ends; ₹749 fee introduced",
      "before": "Lifetime-free (₹0 joining, ₹0 annual)",
      "after": "₹749 + GST joining and annual fee, waived on ₹2,00,000 annual spend",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-ace-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": null,
      "actId": "au-2025-lifetime-free-status-ends-749-fee-introduced"
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic airport lounge access made spend-gated at ₹20,000/quarter",
      "before": "2 complimentary domestic lounge visits/quarter, no spend condition",
      "after": "₹20,000 minimum spend per calendar quarter",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": null,
      "actId": "au-2025-01-01-domestic-airport-lounge-access-made-spend"
    },
    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic airport lounge access made spend-gated",
      "before": "no documented spend condition on domestic lounge access",
      "after": "₹20,000 minimum spend per calendar quarter",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
      "noticeId": null,
      "actId": "au-2025-01-01-domestic-airport-lounge-access-made-spend"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Core reward points removed on wallet-load spends",
      "before": "Core points on wallet loads",
      "after": "No points on wallet-load MCCs (6539–6542)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2025-01-01-reward-points-removed-on-wallet-load-spends"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated to a quarterly spend",
      "before": "12 visits a year (3 per quarter), no spend condition",
      "after": "12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Per-cycle cap on UPI reward points removed",
      "before": "500 reward points per statement cycle on UPI",
      "after": "Uncapped reward points on UPI spends",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2025-01-01-upi-reward-point-cap-removed"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet, high-value utility and fuel spends",
      "before": "No processing fee on these spends",
      "after": "1% on wallet loads; 1% (max ₹3,000) on utility ≥₹50,000; 1% on fuel ≥₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated to ₹40,000 quarterly spend",
      "before": "12 visits a year (3 per quarter), unconditional",
      "after": "12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding calendar quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees introduced on wallet-load, high-value utility and fuel spends",
      "before": "No processing fee on wallet loads, utility or fuel spends",
      "after": "1% on wallet loads; 1% (max ₹3,000) on utility spends ≥₹50,000; 1% on fuel spends ≥₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points removed on wallet-load transactions",
      "before": "Core reward points earned on wallet loads",
      "after": "No reward points on wallet-load MCCs (6539–6542)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": "bob-2025-01-01-reward-points-removed-on-wallet-load-spends"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Processing fees added on wallet-load, utility and large fuel spends",
      "before": "No processing fee on wallet loads, utility or fuel",
      "after": "1% wallet loads; 1% utility ≥₹50,000; 1% fuel ≥₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points removed on wallet-load spends",
      "before": "Earned 2 RP per ₹100",
      "after": "No reward points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2025-01-01-reward-points-removed-on-wallet-load-spends"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "UPI reward-point cap removed",
      "before": "Max 500 RP per statement cycle on UPI",
      "after": "Unlimited RP on UPI",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2025-01-01-upi-reward-point-cap-removed"
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2025",
      "announced": null,
      "type": "eligibility",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New applications paused; buyers directed to the Signature",
      "before": "Open to new applications",
      "after": "Apply flow paused; Axis redirects prospects to Samsung Axis Bank Signature",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Golf benefit discontinued",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2025-01-01-golf-benefit-discontinued"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access gated to ₹40,000/quarter spend",
      "before": "Unlimited, unconditional",
      "after": "₹40,000 spend in prior quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/zsvi2qye/lounge-benefit-update-wef-1st-january-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2025-01-01-lounge-access-gated-to-40-000-quarter-spend"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2025-01-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Processing fees added on wallet-load and utility spends",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/y2gkeyrl/bobcard-soc-benefit-changes-wef-1st-jan-2025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2025-01-01-processing-fees-added-on-wallet-load"
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2025",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Qatar Airways Gold status withdrawn",
      "before": "Complimentary Qatar Gold status fast-track",
      "after": "No complimentary tier status",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-elite",
      "cardName": "SBI Card ELITE",
      "issuer": "SBI Card",
      "date": "2025",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "superseded",
      "title": "Club Vistara Silver & Trident Privilege memberships discontinued",
      "before": "Complimentary Club Vistara Silver + Trident Privilege Red memberships",
      "after": "Both memberships withdrawn",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-elite",
      "noticeId": null,
      "actId": "sbi-2025-club-vistara-silver-trident-privilege"
    },
    {
      "cardKey": "sbi-irctc-premier",
      "cardName": "IRCTC SBI Card Premier",
      "issuer": "SBI Card",
      "date": "2024-12-26",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Value-back now credited on the complete booking",
      "before": "Cardholder's fare only",
      "after": "Complete booking",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/IRCTCPremiertnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-premier",
      "noticeId": null,
      "actId": "sbi-2024-12-26-value-back-now-credited-on-the-complete"
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2024-12-26",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Value-back now credited on the complete booking",
      "before": "Cardholder's fare only",
      "after": "Complete booking",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2024-12-26-value-back-now-credited-on-the-complete"
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-12-22",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "International spend, rent, education, government and BBPS stop earning rewards",
      "before": "Reward points earned across general spend categories, including international transactions",
      "after": "Nil reward points on international spend, rent (MCC 6513), education/government MCCs, and BBPS bill payments",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision — finance charge standardized, new fees added",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide ancillary fee revision — Burgundy Private exempt from most of it",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Finance charge held at 1.50%/month, not swept into the portfolio standardization",
      "before": "1.50%/month (19.56% p.a.)",
      "after": "1.50%/month — unchanged, against a far higher portfolio standard",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": "axis-2024-12-20-finance-charge-held-at-1-50-month-not-swept"
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-miles-more",
      "cardName": "Miles & More Axis Bank World Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision raises ancillary fees and standardises finance charge",
      "before": "Pre-revision Axis charge schedule",
      "after": "Finance charge standardised to 3.75%/month; higher DCC, cash-payment and rent-surcharge fees; new penalty and threshold fees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-spicejet-voyage",
      "cardName": "SpiceJet Axis Bank Voyage Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision raises ancillary fees",
      "before": "Lower/absent ancillary fees; DCC markup 1%; branch cash payment ₹100",
      "after": "Finance charge standardised to 3.75%/month; DCC markup 1.5%; branch cash payment ₹175; rent surcharge 1% uncapped; new auto-debit-reversal and minimum-due penalty fees",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Ancillary charges revised across the portfolio",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — ancillary fees raised, finance charge standardised",
      "before": "3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 — the ₹99 EDGE redemption and ₹199 partner-conversion fees do NOT apply to this card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-miles-more-select",
      "cardName": "Miles & More Axis Bank World Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision: DCC markup raised, new surcharges added",
      "before": "1% dynamic currency conversion markup; ₹100 cash payment at branch; 1% rent surcharge capped ₹1,500/txn; no wallet/fuel/utility spend surcharge",
      "after": "1.5% dynamic currency conversion markup; ₹175 cash payment at branch; 1% rent surcharge uncapped; new 1% surcharge on wallet loads >₹10,000, fuel >₹50,000, utility bills >₹25,000; new 2% (min ₹500) auto-debit reversal fee; new ₹100/month penalty for two consecutive missed minimum-due payments",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more-select",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-samsung-signature",
      "cardName": "Samsung Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision — finance charge raised, new surcharges and EDGE fees",
      "before": "~3.6%/mo finance charge; 1% DCC markup; no wallet/fuel/utility surcharge; free EDGE redemption",
      "after": "3.75%/mo finance charge; 1.5% DCC markup; 1% surcharges on high wallet/fuel/utility spends; ₹99 EDGE redemption fee, ₹199 points-to-partner conversion fee",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-signature",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-lic",
      "cardName": "LIC Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Bank-wide charges revision — finance rate standardised, new ancillary fees added",
      "before": "Pre-Dec-2024 fee schedule",
      "after": "3.75%/month finance charge; DCC markup 1% -> 1.5%; branch cash payment ₹100 -> ₹175; new fees added",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-lic",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision — finance rate standardised, new ancillary fees added",
      "before": "Pre-Dec-2024 fee schedule; no EDGE redemption fee",
      "after": "3.75%/month finance charge; DCC markup 1% -> 1.5%; new fees added",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-indianoil-premium",
      "cardName": "IndianOil Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision — new ancillary fees, DCC markup raised",
      "before": "Pre-Dec-2024 fee schedule",
      "after": "3.75%/month finance charge; DCC markup 1% → 1.5%; ₹175 branch cash payment, uncapped 1% rent surcharge, and 1% fee on large wallet/fuel/utility/gaming loads — the ₹99 EDGE redemption and ₹199 partner-conversion fees do NOT apply to this card",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil-premium",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision: finance charge, DCC markup and new fees raised",
      "before": "3.6%/mo finance charge; 1% DCC markup; ₹100 branch cash-payment fee; no wallet/fuel/utility spend surcharge",
      "after": "3.75%/mo finance charge; 1.5% DCC markup; ₹175 branch cash-payment fee; new 1% surcharges on high wallet-load/fuel/utility spends; new auto-debit-reversal and EDGE-linked fees",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-primus",
      "cardName": "Axis Bank Primus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Finance charge held at 1.00%/month, not swept into the portfolio standardization",
      "before": "1.00%/month (12.68% p.a.)",
      "after": "1.00%/month — unchanged, against a far higher portfolio standard",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-primus",
      "noticeId": null,
      "actId": "axis-2024-12-20-finance-charge-held-at-1-50-month-not-swept"
    },
    {
      "cardKey": "axis-cashback",
      "cardName": "Axis Bank Cashback Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Bank-wide charges revision: DCC markup raised, new surcharges added",
      "before": "1% dynamic currency conversion markup; ₹100 cash payment at branch; 1% rent surcharge capped ₹1,500/txn; no wallet/fuel/utility spend surcharge",
      "after": "1.5% dynamic currency conversion markup; ₹175 cash payment at branch; 1% rent surcharge uncapped; new 1% surcharge on wallet loads >₹10,000, fuel >₹50,000, utility bills >₹25,000; new 2% (min ₹500) auto-debit reversal fee; new ₹100/month penalty for two consecutive missed minimum-due payments",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-cashback",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision — Olympus carved out of most of it",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-spicejet-voyage-black",
      "cardName": "SpiceJet Axis Bank Voyage Black Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision — new ancillary fees, DCC markup raised",
      "before": "DCC markup 1%; capped rent surcharge; no reversal fee",
      "after": "DCC markup 1.5%; uncapped 1% rent surcharge; new reversal & high-spend fees",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage-black",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000; finance charge held at 3.00%/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-fibe",
      "cardName": "Fibe Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Spend surcharges introduced across the Axis portfolio",
      "before": "No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn",
      "after": "1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-fibe",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Finance charges raised; new spend surcharges added",
      "before": "3.6%/mo APR; 1% DCC markup; no wallet/fuel/utility surcharge",
      "after": "3.75%/mo APR; 1.5% DCC markup; 1% surcharges on high wallet/fuel/utility/education/gaming spends",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/ld/soc/credit-cards/mitc-credit-cards",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-shoppers-stop",
      "cardName": "Axis Bank Shoppers Stop Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide charges revision",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-shoppers-stop",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Bank-wide ancillary fee revision — new surcharges and redemption fees",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; 3.60%/month finance charge; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; 3.75%/month finance charge; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000 per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Axis portfolio-wide charges revision",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Samsung cashback marketplace routing moved Flipkart to Amazon",
      "before": "Samsung products bought via Flipkart earned the 10% cashback",
      "after": "Samsung products on Amazon earn the 10% cashback (Flipkart dropped)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Spend surcharges introduced — 1% on utilities above ₹25,000 a cycle",
      "before": "No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn",
      "after": "1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-12-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Portfolio-wide charges revision — EDGE fees introduced, finance charge standardised",
      "before": "No EDGE redemption or partner-conversion fee; DCC markup 1%; ₹100 branch cash payment; 1% rent surcharge capped at ₹1,500 per transaction",
      "after": "₹99 per EDGE redemption and ₹199 per partner conversion; DCC markup 1.5%; ₹175 branch cash payment; 1% rent surcharge uncapped; new 1% fees on wallet loads over ₹10,000, fuel over ₹50,000 and utilities over ₹25,000; finance charge held at 3.00%/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/sosc-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2024-12-20-charges-revision"
    },
    {
      "cardKey": "icici-times-black",
      "cardName": "Times Black ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-12-18",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Times Black ICICI Bank Credit Card launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2024/icici-bank-and-times-internet-jointly-launch-a-super-premium-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-times-black",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-taj",
      "cardName": "HSBC Taj Credit Card",
      "issuer": "HSBC",
      "date": "2024-12-17",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "HSBC and Taj launch India's first super-premium hotel co-brand",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/products/taj/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-taj",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-12-17",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Airport-lounge pack repriced; two-visit tier dropped",
      "before": "₹199 per 90 days for 1 visit, or ₹299 per 90 days for 2 visits",
      "after": "₹399 per 90 days per visit, single tier; up to 2 visits selectable (so 2 visits = ₹798)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/campaign/lit-product-guide.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-12-17",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cult.fit dropped as membership-pack partner",
      "before": "Cult.fit, ZEE5 and Amazon Prime available as membership-pack options",
      "after": "ZEE5 (₹99) and Amazon Prime (₹299) remain; Cult.fit removed",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/campaign/lit-product-guide.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2024-12-17-cult-fit-dropped-as-membership-pack-partner"
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-12-17",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Dining and travel dropped from cashback pack categories",
      "before": "Grocery, travel and dining selectable at up to 5% cashback",
      "after": "Only grocery (₹299) and apparel (₹199) remain selectable; dining and travel removed",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/campaign/lit-product-guide.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2024-12-17-dining-and-travel-dropped-from-cashback-menu"
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-12-15",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Non-cash redemption rate cut from ₹0.85 to ₹0.60 a point",
      "before": "1 RP = ₹0.85 (non-cash, excluding airmiles)",
      "after": "1 RP = ₹0.60 (non-cash, excluding airmiles)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-tiara",
      "cardName": "Bank of Baroda Tiara Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-12-13",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Tiara launched — women-exclusive premium card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.bobcard.co.in/credit-card-types/tiara",
      "cardUrl": "https://cardadvisor.in/cards/bob-tiara",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-private",
      "cardName": "YES Private Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Point redemption capped at 70% of invoice",
      "before": "Full invoice redeemable in points",
      "after": "70% of invoice, up to 6,00,000 points a month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-private",
      "noticeId": null,
      "actId": "yes-2024-12-01-point-redemption-capped-at-70-of-invoice"
    },
    {
      "cardKey": "sbi-apollo-select",
      "cardName": "Apollo SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2024-12-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Digital gaming spends stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on MCC 5816, 7993, 7994",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-apollo-select",
      "noticeId": null,
      "actId": "sbi-2024-12-01-digital-gaming-spends-stop-earning"
    },
    {
      "cardKey": "sbi-shaurya-select",
      "cardName": "Shaurya Select SBI Card",
      "issuer": "SBI Card",
      "date": "2024-12-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Digital gaming spends stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on MCC 5816, 7993, 7994",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya-select",
      "noticeId": null,
      "actId": "sbi-2024-12-01-digital-gaming-spends-stop-earning"
    },
    {
      "cardKey": "yes-private-prime",
      "cardName": "YES Private Prime Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Point redemption capped at 70% of invoice",
      "before": "Full invoice payable in YES Rewardz",
      "after": "70% of the invoice, up to 6,00,000 YES Rewardz a calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTAA57595B2EF245259C4C623B1F7D33B3/native/ybl_mitc_pdf.pdf",
      "cardUrl": "https://cardadvisor.in/cards/yes-private-prime",
      "noticeId": null,
      "actId": "yes-2024-12-01-point-redemption-capped-at-70-of-invoice"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charges raised to 3.99% a month",
      "before": null,
      "after": "3.99% a month (47.88% a year)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2024-12-01-finance-charges-raised-to-3-99-a-month"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Point redemption capped at 70% of invoice",
      "before": "Full invoice redeemable in points",
      "after": "70% of invoice, max 1,00,000 points per calendar month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2024-12-01-point-redemption-capped-at-70-of-invoice"
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charges raised to 3.99% a month",
      "before": null,
      "after": "3.99% a month (47.88% a year)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": "yes-2024-12-01-finance-charges-raised-to-3-99-a-month"
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Point redemption capped at 70% of invoice",
      "before": "Full invoice redeemable in points",
      "after": "70% of invoice, max 1,00,000 points a calendar month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": "yes-2024-12-01-point-redemption-capped-at-70-of-invoice"
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Point redemption capped at 70% of invoice",
      "before": "Full invoice redeemable in points",
      "after": "70% of invoice, max 2,00,000 points/month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": "yes-2024-12-01-point-redemption-capped-at-70-of-invoice"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge raised to 3.99% per month",
      "before": "3.80% per month",
      "after": "3.99% per month (47.88% a year)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2024-12-01-finance-charges-raised-to-3-99-a-month"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Point redemption capped at 70% of invoice",
      "before": "Full invoice payable in YES Rewardz",
      "after": "70% of invoice, max 1,00,000 points a calendar month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2024-12-01-point-redemption-capped-at-70-of-invoice"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charges raised to 3.99% per month",
      "before": null,
      "after": "3.99% per month (47.88% p.a.)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2024-12-01-finance-charges-raised-to-3-99-a-month"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Point redemption capped at 70% of invoice",
      "before": "Full invoice redeemable in points",
      "after": "70% of invoice, max 1,00,000 points a calendar month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2024-12-01-point-redemption-capped-at-70-of-invoice"
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Finance charges raised to 3.99% per month",
      "before": null,
      "after": "3.99%/month (47.88% p.a.)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2024-12-01-finance-charges-raised-to-3-99-a-month"
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2024-12-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Point redemption capped at 70% of invoice",
      "before": "Full invoice redeemable in points",
      "after": "70% of invoice, max 3,00,000 points/month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": "yes-2024-12-01-point-redemption-capped-at-70-of-invoice"
    },
    {
      "cardKey": "sbi-bpcl-octane",
      "cardName": "BPCL SBI Card Octane",
      "issuer": "SBI Card",
      "date": "2024-12-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee introduced on large utility-bill payments",
      "before": "No fee on utility payments",
      "after": "1% fee when utility payments exceed ₹50,000 in a billing cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-bpcl-octane",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "zagg",
      "cardName": "YES Bank Zagg Credit Card",
      "issuer": "YES Bank",
      "date": "2024-11-18",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Launched as the YES Bank Rio RuPay Credit Card",
      "before": null,
      "after": "Lifetime-free RuPay credit card on UPI, 3% back on UPI/contactless spends + domestic lounge access",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/zagg",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-emirates-rubyx",
      "cardName": "Emirates Skywards ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Airport lounge access gated behind ₹75,000/quarter spend",
      "before": "₹35,000/quarter spend (₹5,000 earlier)",
      "after": "₹75,000/quarter spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/emirates-skywards/emirates-rubyx",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-rubyx",
      "noticeId": null,
      "actId": "icici-2024-11-15-lounge-spend-gate-75k"
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward caps added and fuel-surcharge waiver limited",
      "before": "Broad utility/insurance earning; surcharge waiver on all HP fuel",
      "after": "Utility ₹40,000 / insurance ₹40,000 / grocery ₹20,000 of rewarded spend per statement cycle; rent, government & education excluded from waiver & milestones; surcharge waiver capped at ₹50,000 of fuel per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-platinum",
      "cardName": "ICICI Bank Platinum Chip Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Per-cycle earning caps on utility, insurance and grocery spend",
      "before": "Utility, insurance and grocery spend earned without limit",
      "after": "Utility ₹40,000 · insurance ₹40,000 · grocery & departmental ₹20,000 per cycle (400 RP each)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-platinum",
      "noticeId": null,
      "actId": "icici-2024-11-15-per-cycle-earning-caps-on-utility-insurance"
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-10",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary airport spa access withdrawn",
      "before": "Complimentary spa access",
      "after": "Discontinued",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": "icici-2024-11-15-complimentary-airport-spa-access-withdrawn"
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "System-wide reward caps and category exclusions",
      "before": "Uncapped grocery/utility/insurance; broad waiver base",
      "after": "Grocery ₹40k/mo, utility+insurance ₹80k/yr caps; rent/govt/education excluded from waiver",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icicibank.com/personal-banking/cards/credit-card/emeralde-private-metal-credit-card/rewards-and-milestone-benefits",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": "icici-2024-11-15-reward-caps-waiver-exclusions"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Complimentary airport spa access withdrawn",
      "before": "Unlimited domestic airport spa access",
      "after": "Discontinued",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": "icici-2024-11-15-complimentary-airport-spa-access-withdrawn"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "International markup raised 1.5% → 2%",
      "before": "1.5%",
      "after": "2%",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward caps, category exclusions and waiver-base cuts",
      "before": "Uncapped grocery/utility/insurance; broad waiver & milestone base",
      "after": "Grocery ₹40k/mo, utility+insurance ₹80k caps; rent/govt/education excluded from waiver & milestones",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": "icici-2024-11-15-reward-caps-waiver-exclusions"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Airport lounge access gated behind ₹75,000/quarter spend",
      "before": "₹35,000/quarter spend (₹5,000 earlier)",
      "after": "₹75,000/quarter spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/expressions-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2024-11-15-lounge-spend-gate-75k"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Per-cycle earning caps on utility, insurance and grocery spend",
      "before": "Utility, insurance and grocery spend earned without limit",
      "after": "Utility ₹40,000 · insurance ₹40,000 · grocery & departmental ₹20,000 per cycle (400/400/600 RP)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2024-11-15-per-cycle-earning-caps-on-utility-insurance"
    },
    {
      "cardKey": "icici-emirates-emeralde",
      "cardName": "Emirates Skywards ICICI Bank Emeralde Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": null,
      "type": "lounge",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Lounge programme switches from DreamFolks to Priority Pass",
      "before": "DreamFolks membership (~650 lounges)",
      "after": "Priority Pass membership (~1,400 lounges)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-emeralde",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Airport lounge access gated behind ₹75,000/quarter spend",
      "before": "₹35,000/quarter spend (₹5,000 earlier)",
      "after": "₹75,000/quarter spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
      "noticeId": null,
      "actId": "icici-2024-11-15-lounge-spend-gate-75k"
    },
    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Per-cycle earning caps on utility, insurance and grocery spend",
      "before": "Utility, insurance and grocery spend earned without limit",
      "after": "Utility ₹40,000 · insurance ₹40,000 · grocery & departmental ₹20,000 per cycle (400 RP each)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/managed-assets/docs/personal/cards/mitc_cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
      "noticeId": null,
      "actId": "icici-2024-11-15-per-cycle-earning-caps-on-utility-insurance"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge spend-gate more than doubled",
      "before": "₹35,000 per quarter",
      "after": "₹75,000 per quarter",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2024-11-15-lounge-spend-gate-75k"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward caps and category exclusions added",
      "before": "Uncapped grocery/utility/insurance; broad waiver & milestone base",
      "after": "Grocery ₹40k, utility ₹80k, insurance ₹80k of spend per statement cycle; rent/govt/education excluded from waiver & milestones",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2024-11-15-reward-caps-waiver-exclusions"
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Category reward caps and waiver/milestone exclusions",
      "before": "Uncapped grocery/utility/insurance; broad waiver & milestone base",
      "after": "Grocery ₹40k, utility ₹80k, insurance ₹80k of spend per statement cycle; rent/govt/education excluded from waiver & milestones",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2024-11-15-reward-caps-waiver-exclusions"
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Lounge access spend-gated at ₹75,000/quarter; airport spa withdrawn",
      "before": "Come-and-go lounge access (₹35k/quarter as of Apr 2024); DreamFolks airport spa",
      "after": "₹75,000 spend in the prior quarter unlocks 4 domestic visits; spa discontinued",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2024-11-15-lounge-spend-gate-75k"
    },
    {
      "cardKey": "icici-emirates-sapphiro",
      "cardName": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": "2024-10-11",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access gated behind ₹75,000/quarter spend",
      "before": "₹35,000/quarter spend (₹5,000 earlier)",
      "after": "₹75,000/quarter spend",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
      "noticeId": null,
      "actId": "icici-2024-11-15-lounge-spend-gate-75k"
    },
    {
      "cardKey": "icici-emirates-sapphiro",
      "cardName": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-11-15",
      "announced": null,
      "type": "lounge",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "International lounge programme switched to Priority Pass for new cards",
      "before": "DreamFolks membership",
      "after": "Priority Pass membership (new issues)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10-31",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Club Vistara airmiles redemption discontinued",
      "before": "Points → Club Vistara airmiles via IndusMoments",
      "after": "Club Vistara route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-rupay-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2024-10-31-club-vistara-route-withdrawn"
    },
    {
      "cardKey": "indusind-tiger",
      "cardName": "IndusInd Bank Tiger Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10-31",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Club Vistara transfer route discontinued",
      "before": "Points → Club Vistara at 1:1.2",
      "after": "No airline transfer partner",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/vistara-tnc.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-tiger",
      "noticeId": null,
      "actId": "indusind-2024-10-31-club-vistara-route-withdrawn"
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10-31",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Club Vistara airmiles redemption discontinued",
      "before": "Points → Club Vistara airmiles via IndusMoments",
      "after": "Club Vistara route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/microsites/celesta/celesta-rewards.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2024-10-31-club-vistara-route-withdrawn"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10-31",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Club Vistara airmiles redemption discontinued",
      "before": "Points → Club Vistara airmiles via IndusMoments",
      "after": "Club Vistara route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2024-10-31-club-vistara-route-withdrawn"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10-31",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Club Vistara airmiles redemption discontinued",
      "before": "Points → Club Vistara airmiles via IndusMoments",
      "after": "Club Vistara route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-aura-edge-visa-and-mastercard-credit-card-easy-credit.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2024-10-31-club-vistara-route-withdrawn"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10-31",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Club Vistara airmiles redemption discontinued",
      "before": "Points → Club Vistara airmiles via IndusMoments",
      "after": "Club Vistara route withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-visa-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2024-10-31-club-vistara-route-withdrawn"
    },
    {
      "cardKey": "slice",
      "cardName": "slice UPI Credit Card",
      "issuer": "slice",
      "date": "2024-10-27",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "slice completes merger with North East Small Finance Bank",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.prnewswire.com/in/news-releases/slice-and-north-east-small-finance-bank-announce-successful-completion-of-the-merger-302289904.html",
      "cardUrl": "https://cardadvisor.in/cards/slice",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-patanjali-swarn",
      "cardName": "RBL Bank Patanjali Swarn Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-23",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Patanjali Swarn launched as the premium Patanjali RuPay co-brand",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/credit-cards/patanjali-swarn-user-guide.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-patanjali-swarn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-play",
      "cardName": "RBL Bank Play Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "BMS Play named in mega reward-earn exclusion",
      "before": "Base/milestone points on most categories",
      "after": "Zero points on Education, Govt, Cash, Bills2Pay & more",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-play",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-play",
      "cardName": "RBL Bank Play Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & education spends",
      "before": "No category transaction fees",
      "after": "1% on large fuel/utility/education spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-play",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "rbl-blockbuster",
      "cardName": "RBL Bank Blockbuster Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "More categories excluded from points and qualifying spend",
      "before": "Most retail spends earned points and counted for benefits",
      "after": "Education, govt, cash, Bills2Pay etc. earn nothing and are excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/pdfs/terms-world-safari-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-blockbuster",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-blockbuster",
      "cardName": "RBL Bank Blockbuster Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility and education spends",
      "before": "No category transaction fees",
      "after": "1% on large fuel/utility/third-party-education spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-blockbuster",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fees-on-large-fuel-utility-education"
    },
    {
      "cardKey": "rbl-indianoil",
      "cardName": "RBL Bank IndianOil Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large fuel & auto transactions",
      "before": "No transaction fee on fuel/auto",
      "after": "1% on each fuel/auto txn over ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-indianoil",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "rbl-paisabazaar-duet",
      "cardName": "RBL Bank Paisabazaar Duet Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & education transactions",
      "before": "No 1% category transaction fees",
      "after": "1% on large fuel, high-value utility & third-party education spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-paisabazaar-duet",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "rbl-tvs-credit",
      "cardName": "RBL Bank TVS Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on high-value fuel, utility & third-party education spends",
      "before": "No category surcharges beyond standard fuel-surcharge rules",
      "after": "1% on fuel >₹10,000, utilities >₹50,000/month, third-party-app education payments",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-tvs-credit",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fees-on-large-fuel-utility-education"
    },
    {
      "cardKey": "rbl-tvs-credit",
      "cardName": "RBL Bank TVS Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward earning & milestone qualification cut on many categories",
      "before": "Wide retail spend earned points and counted toward milestones",
      "after": "Education, government, cash, Bills2Pay, contracted services etc. earn zero; excluded from milestone qualification",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-tvs-credit",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-cookies",
      "cardName": "RBL Bank Cookies Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & education spends",
      "before": "No category surcharge on fuel/utility/education",
      "after": "1% on large fuel/utility & third-party education payments",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-cookies",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fees-on-large-fuel-utility-education"
    },
    {
      "cardKey": "rbl-cookies",
      "cardName": "RBL Bank Cookies Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points excluded on several spend categories",
      "before": "Base points earned across most categories",
      "after": "Zero points on cash, bills, education, government & similar",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-cookies",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-paisabazaar-duet-plus",
      "cardName": "RBL Bank Paisabazaar Duet Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & third-party education spends",
      "before": "No fuel/utility/education transaction fee",
      "after": "1% on fuel >₹10,000, utility >₹50,000/mo, third-party education",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-paisabazaar-duet-plus",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fees-on-large-fuel-utility-education"
    },
    {
      "cardKey": "rbl-bankbazaar-savemax",
      "cardName": "RBL Bank BankBazaar SaveMax Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & education payments",
      "before": "No 1% category transaction fees",
      "after": "1% on large fuel, utility & third-party education spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fees-on-large-fuel-utility-education"
    },
    {
      "cardKey": "rbl-bankbazaar-savemax",
      "cardName": "RBL Bank BankBazaar SaveMax Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on education & government payments",
      "before": "Education & government spends earned base points",
      "after": "Education, government & similar earn zero points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-platinum-maxima",
      "cardName": "RBL Bank Platinum Maxima Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone & reward points excluded on many categories",
      "before": "Most spends counted for milestones/points",
      "after": "Key categories excluded from milestones & base points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/pdfs/terms-world-safari-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-platinum-maxima",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-platinum-maxima",
      "cardName": "RBL Bank Platinum Maxima Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & education spends",
      "before": "No category transaction fees",
      "after": "1% on big fuel/utility/third-party-education spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-platinum-maxima",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "rbl-bankbazaar-savemax-pro",
      "cardName": "RBL Bank BankBazaar SaveMax Pro Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone & reward points excluded on many categories",
      "before": "Most spends counted for milestones/points",
      "after": "Key categories excluded from milestones & points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax-pro",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-bankbazaar-savemax-pro",
      "cardName": "RBL Bank BankBazaar SaveMax Pro Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large fuel & auto transactions",
      "before": "No transaction fee on fuel/auto",
      "after": "1% on each fuel/auto txn over ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax-pro",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "rbl-irctc",
      "cardName": "RBL Bank IRCTC Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & third-party education spends",
      "before": "No category transaction fees",
      "after": "1% on large fuel/utility/education spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-irctc",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fees-on-large-fuel-utility-education"
    },
    {
      "cardKey": "rbl-binge",
      "cardName": "RBL Bank Binge Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone & reward points excluded on many categories",
      "before": "Most spends counted for points/milestones",
      "after": "Key categories excluded from points & milestones",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-binge",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-binge",
      "cardName": "RBL Bank Binge Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & education spends",
      "before": "No category surcharge on fuel/utility/education",
      "after": "1% on large fuel, high-value utility & third-party education",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-binge",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fees-on-large-fuel-utility-education"
    },
    {
      "cardKey": "rbl-dmi-finance",
      "cardName": "RBL Bank DMI Finance Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & education spends",
      "before": "No category transaction fees",
      "after": "1% on big fuel/utility/third-party-education spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-dmi-finance",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fees-on-large-fuel-utility-education"
    },
    {
      "cardKey": "rbl-dmi-finance",
      "cardName": "RBL Bank DMI Finance Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points removed on several categories",
      "before": "Base points on most offline spends",
      "after": "No points on Education, Govt, Cash, Bills2Pay & similar",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-dmi-finance",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-indianoil-xtra",
      "cardName": "RBL Bank IndianOil XTRA Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large fuel & utility transactions",
      "before": "No category surcharge beyond standard terms",
      "after": "1% on single fuel spends above ₹10,000; 1% on monthly utility spends above ₹50,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-indianoil-xtra",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "rbl-tvs-credit-gold",
      "cardName": "RBL Bank TVS Gold Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone & reward points excluded on many categories",
      "before": "Most spends counted for milestones/points",
      "after": "Key categories excluded from milestones & points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-tvs-credit-gold",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-tvs-credit-gold",
      "cardName": "RBL Bank TVS Gold Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large fuel & auto transactions",
      "before": "No transaction fee on fuel/auto",
      "after": "1% on each fuel/auto txn over ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-tvs-credit-gold",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "sc-easemytrip",
      "cardName": "Standard Chartered EaseMyTrip Credit Card",
      "issuer": "Standard Chartered",
      "date": "2024-10-15",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "International lounge access and Priority Pass withdrawn",
      "before": "Priority Pass with international lounge visits + quarterly domestic lounge access",
      "after": "2 complimentary domestic lounge visits per calendar year only",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://av.sc.com/in/content/docs/in-easemytrip-product-terms-and-conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sc-easemytrip",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-world-safari",
      "cardName": "RBL Bank World Safari Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone points & spend qualification excluded on many categories",
      "before": "Most retail spends earned milestone points",
      "after": "Fuel, utilities, insurance, rent, education, wallet, EMI etc. excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/pdfs/terms-world-safari-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-world-safari",
      "noticeId": null,
      "actId": "rbl-2024-10-15-milestone-exclusions-world-safari"
    },
    {
      "cardKey": "rbl-icon",
      "cardName": "RBL Bank Icon Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone & reward points excluded on many categories",
      "before": "Most spends counted for milestones/points",
      "after": "Key categories excluded from milestones & points",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-icon",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-icon",
      "cardName": "RBL Bank Icon Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fee on large fuel & auto transactions",
      "before": "No transaction fee on fuel/auto",
      "after": "1% on each fuel/auto txn over ₹10,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-icon",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "rbl-shoprite",
      "cardName": "RBL Bank ShopRite Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "More categories excluded from base reward points",
      "before": "Base points on most remaining spends",
      "after": "Nil points on education, government, contracted services, cash, Bills2Pay",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/pdfs/terms-world-safari-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-shoprite",
      "noticeId": null,
      "actId": "rbl-2024-10-15-reward-milestone-exclusions"
    },
    {
      "cardKey": "rbl-shoprite",
      "cardName": "RBL Bank ShopRite Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-10-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "New 1% fees on large fuel, utility & education spends",
      "before": "No category surcharge on fuel/utility/education",
      "after": "1% on large fuel, high-value utility & third-party education",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/CardsScheduleCharges.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-shoprite",
      "noticeId": null,
      "actId": "rbl-2024-10-15-new-1-fee-on-large-fuel-auto-transactions"
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2024-10-08",
      "announced": "2024-09-05",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Annual fee raised ₹60,000 → ₹66,000",
      "before": "₹60,000 + GST",
      "after": "₹66,000 + GST",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.prnewswire.com/in/news-releases/american-express-india-unveils-enhanced-platinum-card-offering-consumers-new-travel-and-lifestyle-benefits-302269907.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2024-10-08",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Birthday Taj voucher and supplementary Centurion guest access dropped",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2024-10-08",
      "announced": "2024-09-05",
      "type": "milestone",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "New ₹35,000 renewal voucher at ₹20 lakh spend",
      "before": "No spend-based renewal voucher",
      "after": "Up to ₹35,000 voucher on ₹20 lakh annual spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.prnewswire.com/in/news-releases/american-express-india-unveils-enhanced-platinum-card-offering-consumers-new-travel-and-lifestyle-benefits-302269907.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2024-10-08",
      "announced": "2024-09-05",
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Refresh adds welcome-gift bump, hotel memberships and Times Prime",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.prnewswire.com/in/news-releases/american-express-india-unveils-enhanced-platinum-card-offering-consumers-new-travel-and-lifestyle-benefits-302269907.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10-05",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Foreign currency mark-up removed — 1.8% cut to zero",
      "before": "1.8% on international transactions",
      "after": "0% — no mark-up on foreign currency transactions",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-mmt",
      "cardName": "MakeMyTrip ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-10-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "MakeMyTrip ICICI Bank Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2024/icici-bank-and-makemytrip-launch-a-co-branded-credit-card-for-travel-enthusiasts",
      "cardUrl": "https://cardadvisor.in/cards/icici-mmt",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fees on utility and wallet-load spends",
      "before": "No fee on utility or wallet-load spends",
      "after": "1% + GST above ₹25,000 (utility) / ₹20,000 (wallet) per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/TC_1percent_Fee_on_Utility_and_Wallet_Load.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2024-10-new-1-fees-on-utility-and-wallet-load-spends"
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fees on utility and wallet-load spends",
      "before": "No fee on utility or wallet-load spends",
      "after": "1% + GST above ₹25,000 (utility) / ₹20,000 (wallet) per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/TC_1percent_Fee_on_Utility_and_Wallet_Load.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2024-10-new-1-fees-on-utility-and-wallet-load-spends"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fees on utility and wallet-load spends",
      "before": "No fee on utility or wallet-load spends",
      "after": "1% + GST above ₹25,000 (utility) / ₹20,000 (wallet) per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/TC_1percent_Fee_on_Utility_and_Wallet_Load.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2024-10-new-1-fees-on-utility-and-wallet-load-spends"
    },
    {
      "cardKey": "indusind-samman",
      "cardName": "IndusInd Bank Samman Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fees on utility and wallet-load spends",
      "before": "No fee on utility or wallet-load spends",
      "after": "1% + GST above ₹25,000 (utility) / ₹20,000 (wallet) per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/TC_1percent_Fee_on_Utility_and_Wallet_Load.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-samman",
      "noticeId": null,
      "actId": "indusind-2024-10-new-1-fees-on-utility-and-wallet-load-spends"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fees on utility and wallet-load spends",
      "before": "No fee on utility or wallet-load spends",
      "after": "1% + GST above ₹25,000 (utility) / ₹20,000 (wallet) per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/TC_1percent_Fee_on_Utility_and_Wallet_Load.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2024-10-new-1-fees-on-utility-and-wallet-load-spends"
    },
    {
      "cardKey": "sbi-krisflyer-apex",
      "cardName": "KrisFlyer SBI Card Apex",
      "issuer": "SBI Card",
      "date": "2024-10-01",
      "announced": "2024-09-30",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "KrisFlyer SBI Card Apex launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/travel/krisflyer-sbi-card-apex.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-krisflyer-apex",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-10",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "New 1% fees on utility and wallet-load spends",
      "before": "No fee on utility or wallet-load spends",
      "after": "1% + GST above ₹25,000 (utility) / ₹20,000 (wallet) per cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/TC_1percent_Fee_on_Utility_and_Wallet_Load.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2024-10-new-1-fees-on-utility-and-wallet-load-spends"
    },
    {
      "cardKey": "sc-manhattan-platinum",
      "cardName": "Standard Chartered Manhattan Platinum Credit Card",
      "issuer": "Standard Chartered",
      "date": "2024-09-30",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cashback redemption minimum raised again to ₹1,500",
      "before": "₹1,000, in multiples of ₹500",
      "after": "₹1,500, in multiples of ₹500",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://av.sc.com/in/content/docs/in-manhattan-platinum-credit-card-terms-and-condition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sc-manhattan-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-krisflyer",
      "cardName": "KrisFlyer SBI Card",
      "issuer": "SBI Card",
      "date": "2024-09-30",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "KrisFlyer SBI Card launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/who-we-are/news/2024/The-Times-of-India-20240930.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-krisflyer",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-mayura",
      "cardName": "IDFC FIRST Mayura Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-09-19",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST launches the Mayura metal card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/news-media/press-release/IDFC-FIRST-Bank-unveils-the-Mayura-credit-card-the-ultimate-metal-card-for-the-discerning-traveller.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-mayura",
      "noticeId": null,
      "actId": "idfc-2024-09-19-idfc-first-launches-the-ashva-metal-card"
    },
    {
      "cardKey": "idfc-ashva",
      "cardName": "IDFC FIRST Ashva Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-09-19",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST launches the Ashva metal card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/news-media/press-release/Press-Release-IDFC-FIRST-Bank-Introduces-Ashva-Credit-Card-The-Ultimate-Metal-Card-for-the-Smart-Traveller-FINAL-Visa11thSept78.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-ashva",
      "noticeId": null,
      "actId": "idfc-2024-09-19-idfc-first-launches-the-ashva-metal-card"
    },
    {
      "cardKey": "rbl-dmi-finance",
      "cardName": "RBL Bank DMI Finance Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-09-11",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL x DMI Finance co-brand card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/press-release/rbl-bank-and-dmi-finance-unveil-new-co-branded-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-dmi-finance",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-indianoil-xtra",
      "cardName": "RBL Bank IndianOil XTRA Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-09-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "IndianOil XTRA launched — RBL's premium fuel co-brand",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-indianoil-xtra",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "scapia-federal",
      "cardName": "Scapia Credit Card",
      "issuer": "Federal Bank",
      "date": "2024-09-07",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fair-usage caps and category exclusions added",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/scapia-federal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "scapia-federal",
      "cardName": "Scapia Credit Card",
      "issuer": "Federal Bank",
      "date": "2024-09-07",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Finance charge raised and convenience fee added",
      "before": "3.49%/month",
      "after": "3.75%/month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/scapia-federal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "scapia-federal",
      "cardName": "Scapia Credit Card",
      "issuer": "Federal Bank",
      "date": "2024-09-07",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge spend gate raised to ₹10,000/month",
      "before": "₹5,000/month",
      "after": "₹10,000/month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/scapia-federal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 2,500 points/month",
      "before": "Uncapped cash redemption",
      "after": "Max 2,500 RP per calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates-reward-points-program.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "rbl-indianoil",
      "cardName": "RBL Bank IndianOil Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "IndianOil RBL launched as successor to the BPCL SuperCard",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/press-release/rbl-bank-iocl-and-mastercard-flag-off.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-indianoil",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "5X EMI CashPoints removed; wallet & utility earning restricted",
      "before": "5X CashPoints on EMI; points on wallet/utility",
      "after": "No CashPoints on EMI, wallet loads; utility earning capped/removed",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": null,
      "actId": "hdfc-2024-09-01-5x-emi-removed"
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Education paid through third-party apps stops earning NeuCoins",
      "before": "Education payments earned NeuCoins",
      "after": "No NeuCoins on education routed through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "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",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": null,
      "actId": "hdfc-2024-09-01-education-exclusions"
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "5X EMI rewards removed; wallet & Easy-EMI stop earning",
      "before": "5X CashPoints on merchant EMIs; Easy-EMI & wallet earned",
      "after": "5X EMI feature withdrawn; Easy-EMI, wallet & third-party education earn nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/moneyback-plus-credit-card/pdf/MBPlus-TnCs.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": null,
      "actId": "hdfc-2024-09-01-5x-emi-removed"
    },
    {
      "cardKey": "indusind-tiger",
      "cardName": "IndusInd Bank Tiger Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 5,000 points/month",
      "before": "Uncapped cash redemption",
      "after": "Max 5,000 RP/calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/redemption-and-shopping.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-tiger",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 10,000 points/month",
      "before": "Uncapped cash redemption",
      "after": "Max 10,000 RP per calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates-reward-points-program.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "indusind-indulge",
      "cardName": "IndusInd Bank Indulge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 10,000 points/month",
      "before": "Uncapped cash redemption",
      "after": "Max 10,000 RP/calendar month (Indulge)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-indulge",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 7,500 points/month",
      "before": "Uncapped cash redemption",
      "after": "Max 7,500 RP per calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates-reward-points-program.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 2,500 points/month",
      "before": "Uncapped cash redemption",
      "after": "Max 2,500 RP per calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates-reward-points-program.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "indusind-legend",
      "cardName": "IndusInd Bank Legend Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 5,000 points/month",
      "before": "Uncapped cash redemption",
      "after": "Max 5,000 RP/calendar month (Legend)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Changes-in-Reward-Points-Redemption-Program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-legend",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "indusind-nexxt",
      "cardName": "IndusInd Bank Nexxt Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Monthly cash-redemption cap added",
      "before": "Uncapped per month",
      "after": "Capped 2,500–10,000 RP/month by card",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-nexxt",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cash redemption capped at 2,500 points/month",
      "before": "Uncapped cash redemption",
      "after": "Max 2,500 RP per calendar month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates-reward-points-program.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2024-09-01-cash-redemption-caps"
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-09-01",
      "announced": "2024-07-29",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Utility/telecom earning capped; third-party education excluded",
      "before": "Utility & telecom earned uncapped; education earned via any channel",
      "after": "Utility & telecom 2,000 pts/mo each; third-party education earns nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/api/contentstream/723fb80a-2dde-42a3-9793-7ae1be57c87f/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/HDFC-BANK-MILLENNIA-CREDIT-CARD-PRODUCT-FEATURE-UPDATE.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": null,
      "actId": "hdfc-2024-09-01-education-exclusions"
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-09-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Education paid through third-party apps stops earning NeuCoins",
      "before": "Education payments earned NeuCoins",
      "after": "No NeuCoins on education routed through third-party apps",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/tata-neu-plus-hdfc-bank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": null,
      "actId": "hdfc-2024-09-01-education-exclusions"
    },
    {
      "cardKey": "pop-club",
      "cardName": "YES Bank POP-CLUB Credit Card",
      "issuer": "YES Bank",
      "date": "2024-08-29",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "POP-CLUB card launched at Global Fintech Festival",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/pop-club",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "utkarsh-supercard",
      "cardName": "super.money superCard (Utkarsh SFB)",
      "issuer": "Utkarsh Small Finance Bank",
      "date": "2024-08-28",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "superCard launched — FD-backed RuPay UPI credit card",
      "before": null,
      "after": "Lifetime-free secured RuPay card, 0.5% base cashback",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/utkarsh-supercard",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-irctc",
      "cardName": "RBL Bank IRCTC Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-08-28",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "IRCTC RBL Bank Credit Card launched as a RuPay rail co-brand",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/credit-cards/tnc-irctc-rbl-bank-rupay-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-irctc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-ultimate",
      "cardName": "Standard Chartered Ultimate Credit Card",
      "issuer": "Standard Chartered",
      "date": "2024-08-25",
      "announced": null,
      "type": "fee",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Forex charging simplified to a direct 2% at posting",
      "before": "3.5% transaction fee minus a separately posted 1.5% cashback (net 2%)",
      "after": "Direct 2% forex markup levied at transaction posting",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/credit-cards/ultimate-card/",
      "cardUrl": "https://cardadvisor.in/cards/sc-ultimate",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-super-value-titanium",
      "cardName": "Standard Chartered Super Value Titanium Credit Card",
      "issuer": "Standard Chartered",
      "date": "2024-08-21",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver dropped; fuel cashback raised to 5%",
      "before": "4% cashback + 1% surcharge waiver",
      "after": "5% flat cashback, no separate surcharge waiver",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/credit-cards/super-value-titanium/",
      "cardUrl": "https://cardadvisor.in/cards/sc-super-value-titanium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage charge added on fuel and utility spends",
      "before": null,
      "after": "1% on fuel spend over 50% of limit or ₹50,000/month; 1% on utility spend over ₹50,000/month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage charge added on fuel and utility spends",
      "before": "No fair-usage surcharge",
      "after": "1% + GST above the monthly threshold",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage charges on fuel and utility spends",
      "before": "No fair-usage fee",
      "after": "1% fee above threshold (+18% GST)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage charges on fuel and utility spends",
      "before": "No fair-usage fee",
      "after": "1% fee above threshold (+18% GST)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage fee added on fuel and utility spends",
      "before": null,
      "after": "1% fee (+18% GST) on fuel spend beyond 50% of credit limit or ₹50,000/month (whichever is lower), and on utility spend beyond ₹50,000/month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-instapay",
      "cardName": "AU InstaPay Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage fee added on high fuel/utility spend",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-instapay",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-nomo",
      "cardName": "AU NOMO Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage charge added on fuel and utility spends",
      "before": "No cap-linked fee on fuel or utility spends",
      "after": "1% fee beyond fuel/utility fair-usage thresholds",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-nomo",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage charges on fuel and utility spends",
      "before": "No fair-usage fee",
      "after": "1% fee above threshold (+18% GST)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage charge added on fuel and utility spends",
      "before": "No fair-usage fee on fuel/utility",
      "after": "1% + GST on fuel spend above 50% of limit or ₹50,000/month (whichever lower), and on utility spend above ₹50,000/month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-08-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fair-usage charges on fuel and utility spends",
      "before": "No fair-usage fee",
      "after": "1% fee above threshold (+18% GST)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2024-08-15-fuel-utility-fair-usage-fee"
    },
    {
      "cardKey": "axis-primus",
      "cardName": "Axis Bank Primus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-08-12",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Bank and Visa unveil Primus, India's ultra-luxury invite-only metal card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/axis-bank-and-visa-unveil-the-ultra-luxury-credit-card-primus-for-indias-elite",
      "cardUrl": "https://cardadvisor.in/cards/axis-primus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2024-08-08",
      "announced": null,
      "type": "welcome",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Welcome-bonus value trimmed, ET Prime voucher added",
      "before": "~₹15,000 in points",
      "after": "~₹10,000 in points + ET Prime voucher (₹3,199)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "₹50 reward-redemption fee + 1% fee on rent/utility/fuel spends",
      "before": "No redemption fee; no category surcharges",
      "after": "₹50 per statement-credit redemption; 1% on rent/education/utility/fuel over thresholds",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-redemption-fee-category-fees"
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on rent, third-party education, utility and wallet-load spends",
      "before": "No 1% category surcharge",
      "after": "1% fee on rent, third-party education, high-value utility and wallet-load spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/irctc-credit-card/terms-and-conditions-irctc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-redemption-fee-category-fees"
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent, government, education, EMI and wallet spends excluded from earning",
      "before": "Non-IRCTC spends broadly earned 1 RP/₹100",
      "after": "Rent, government, education, EMI and wallet-load spends earn no reward points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/irctc-credit-card/terms-and-conditions-irctc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "₹50 reward-redemption fee + 1% category spend fees added",
      "before": "No redemption fee; no category fees",
      "after": "₹50 per redemption; 1% on rent/utility/fuel/education",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-redemption-fee-category-fees"
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "UPI NeuCoins earning curtailed on non-Tata UPI",
      "before": "1.5% NeuCoins on eligible UPI (cap 500/mo)",
      "after": "1.5% only on Tata Neu UPI ID; 0.5% on other UPI IDs (cap 500/mo)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "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",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-upi-neucoins-earning-curtailed-on-non-tata"
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": "2024-06-26",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "₹50 redemption fee + 1% category spend fees added",
      "before": "Free statement-credit redemption; no category fees",
      "after": "₹50 per statement-credit redemption; 1% fees on rent/fuel/utility/education",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/moneyback-plus-credit-card/pdf/MBPlus-TnCs.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-redemption-fee-category-fees"
    },
    {
      "cardKey": "indusind-pioneer-private",
      "cardName": "IndusInd Bank Pioneer Private Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Pioneer Private launched with the PIONEER Private programme",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/about-us/mediabrand/FY/2024-2025/August/indusInd-bank-launches-pioneer-private-bespoke-and-curated-financial-solutions-for-the-hni-unhi-segment.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-primus",
      "cardName": "Axis Bank Primus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fees more than doubled for cards issued after 31 July 2024",
      "before": "₹1,80,000 joining + ₹1,80,000 annual (both + GST)",
      "after": "₹5,00,000 joining + ₹3,00,000 annual (both + GST)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-axis-bank-primus-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-primus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Bank-wide HDFC fee revision: ₹50 redemption fee + 1% utility fee",
      "before": "No reward-redemption fee; no utility surcharge",
      "after": "₹50 per statement-credit redemption; 1% on utility spends over ₹50,000",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-redemption-fee-category-fees"
    },
    {
      "cardKey": "hdfc-indianoil",
      "cardName": "IndianOil HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": "2024-06-26",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% fee on large fuel/utility/rent spends added",
      "before": "No fee on fuel, utility or rent spends; free statement-credit redemption",
      "after": "1% fee (cap ₹3,000) on fuel >₹15,000, utility >₹50,000 & third-party rent; ₹50 statement-credit redemption fee",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-indianoil",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-redemption-fee-category-fees"
    },
    {
      "cardKey": "rbl-world-safari",
      "cardName": "RBL Bank World Safari Credit Card",
      "issuer": "RBL Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "lounge",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Priority Pass embedded into the card",
      "before": "Separate physical Priority Pass card",
      "after": "Access directly via the RBL credit card",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-world-safari",
      "noticeId": null,
      "actId": "rbl-2024-08-01-priority-pass-embedded-into-the-card"
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": "2024-06-26",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "₹50 redemption fee + 1% category fees added",
      "before": "Free statement-credit redemption; no category fees",
      "after": "₹50 per statement-credit redemption; 1% fees (cap ₹3,000) on rent/education/fuel/utility",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/api/contentstream/723fb80a-2dde-42a3-9793-7ae1be57c87f/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/HDFC-BANK-MILLENNIA-CREDIT-CARD-PRODUCT-FEATURE-UPDATE.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-redemption-fee-category-fees"
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-08-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "UPI NeuCoins earning curtailed on non-Tata UPI",
      "before": "Eligible UPI earned NeuCoins broadly (cap 500/mo)",
      "after": "1% only on Tata Neu UPI ID; 0.25% on other UPI IDs (cap 500/mo)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": null,
      "actId": "hdfc-2024-08-01-upi-neucoins-earning-curtailed-on-non-tata"
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Core reward points removed on special-category MCCs",
      "before": "Base 4 RP/₹100 earned across most categories",
      "after": "Zero core RP on Annexure-A special MCCs and on fuel",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "sbi-doctors",
      "cardName": "Doctor's SBI Card",
      "issuer": "SBI Card",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Portfolio government-spend exclusion — not carried in this card's own T&C",
      "before": "Earned",
      "after": "Excluded",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors",
      "noticeId": null,
      "actId": "sbi-2024-07-15-government-spend-exclusion"
    },
    {
      "cardKey": "bob-icai-exclusive",
      "cardName": "ICAI Exclusive BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Core reward points removed on special-category (Annexure A) MCCs",
      "before": "Core points across most spends",
      "after": "No points on Annexure-A MCCs or fuel",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icai-exclusive",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "bob-icai-exclusive",
      "cardName": "ICAI Exclusive BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "welcome",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome bonus cut from 1,000 activation points to 500 points on ₹5,000 spend",
      "before": "1,000 points for activation within 30 days",
      "after": "500 points on ₹5,000 spend within 60 days",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icai-exclusive",
      "noticeId": null,
      "actId": "bob-2024-07-15-welcome-benefit-cut"
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on special-category (Annexure A) spends",
      "before": "Points earned across most spend categories",
      "after": "Zero RP on utilities, rent, wallet loads, insurance, education and other Annexure-A MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "welcome",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "500 reward-point welcome benefit introduced",
      "before": "No welcome bonus",
      "after": "500 reward points on early spends",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on special-category MCCs",
      "before": "Base RP earned on utilities, rent, insurance, government, education, wallet loads",
      "after": "No reward points on those special-category (Annexure-A) MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "axis-rewards",
      "cardName": "Axis Bank Rewards Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-07-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Created from the Citi Rewards migration to Axis Bank",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/ld/download-faq/faq_credit_card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-rewards",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on special-category (Annexure-A) spends",
      "before": "Reward points earned on utility, wallet, rent, insurance & education spends",
      "after": "No reward points on those special-category (Annexure-A) MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "axis-indianoil-premium",
      "cardName": "IndianOil Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel earn rate lifted at migration — 2.67% to 4% on IOCL fuel",
      "before": "4 Turbo Points/₹150 (~2.67%, 1 TP = ₹1 on fuel redemption)",
      "after": "6 EDGE Miles/₹150 (~4%, 1 Mile = ₹1 on fuel redemption)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil-premium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-indianoil-premium",
      "cardName": "IndianOil Axis Bank Premium Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-07-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndianOil Axis Bank Premium launches via Citi migration",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/ld/download-faq/faq_credit_card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil-premium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points removed on special-category (Annexure-A) spends",
      "before": "Base 2 RP/₹100 on general spends",
      "after": "No reward points on Annexure-A MCCs (utilities, wallet loads, rent, insurance, etc.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-irctc",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "axis-cashback",
      "cardName": "Axis Bank Cashback Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Category cashback replaced by tiered online-shopping cashback",
      "before": "5% cashback on movie tickets, telephone bills and utility bill payments (each capped ₹100/month); 0.5% flat on all other spends",
      "after": "Tiered cashback on net online spends — 2% up to ₹5,000, 5% up to ₹40,000, 7% above (total online cashback capped ₹4,000/month); 0.75% flat on offline/travel spends; 0.5% bonus on utilities capped ₹100/statement",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-cashback-credit-card-tnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-cashback",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-cashback",
      "cardName": "Axis Bank Cashback Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-07-15",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel surcharge waiver dropped",
      "before": "1% fuel surcharge waived at fuel stations in India (min ₹10 transaction, on the Citi variant)",
      "after": "No fuel surcharge waiver",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-cashback",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-cashback",
      "cardName": "Axis Bank Cashback Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-07-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Migrated from Citi Cash Back Credit Card to Axis Bank Cashback Credit Card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/ld/download-faq/faq_credit_card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-cashback",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-olympus",
      "cardName": "Axis Bank Olympus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-07-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Launched as the Citi Prestige migration card",
      "before": "Citi Premier Miles",
      "after": "Axis EDGE Miles (1 Citi Premier Mile = 1 EDGE Mile)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/ld/download-faq/faq_credit_card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-olympus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Core reward points removed on special-category (Annexure-A) MCCs",
      "before": "Base 2 RP per ₹150 earned across most non-bonus spend",
      "after": "No reward points on Annexure-A special MCCs; the 24 RP/₹150 HPCL fuel rate (cap 1,000 RP/statement) retained",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "welcome",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome bonus cut from 2,000 to 500 reward points",
      "before": "2,000 bonus reward points (~₹500) on spends of ₹5,000 or more within 60 days",
      "after": "500 reward points (~₹125) on spends of ₹5,000 within the first 60 days",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": null,
      "actId": "bob-2024-07-15-welcome-benefit-cut"
    },
    {
      "cardKey": "sbi-titan",
      "cardName": "Titan SBI Card",
      "issuer": "SBI Card",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government transactions stop earning reward points",
      "before": "Base RP earned on government spends",
      "after": "Excluded (MCC 9399 / 9311)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-titan",
      "noticeId": null,
      "actId": "sbi-2024-07-15-government-spend-exclusion"
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2024-07-15",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government transactions stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on MCC 9311/9399 etc.",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": "sbi-2024-07-15-government-spend-exclusion"
    },
    {
      "cardKey": "sbi-doctors-ima",
      "cardName": "Doctor's SBI Card (in Association with IMA)",
      "issuer": "SBI Card",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Portfolio government-spend exclusion — not carried in this card's own T&C",
      "before": "Earned",
      "after": "Excluded",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors-ima",
      "noticeId": null,
      "actId": "sbi-2024-07-15-government-spend-exclusion"
    },
    {
      "cardKey": "sbi-paytm",
      "cardName": "Paytm SBI Card",
      "issuer": "SBI Card",
      "date": "2024-07-15",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government transactions stop earning",
      "before": "Reward Points earned",
      "after": "No Reward Points on MCC 9311/9399 etc.",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm",
      "noticeId": null,
      "actId": "sbi-2024-07-15-government-spend-exclusion"
    },
    {
      "cardKey": "axis-shoppers-stop",
      "cardName": "Axis Bank Shoppers Stop Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-07-15",
      "announced": null,
      "type": "eligibility",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Legacy Citi First Citizen cardholders migrated to Axis",
      "before": "First Citizen Citibank card (Citi India, Mastercard, launched 2002)",
      "after": "Axis Bank Shoppers Stop Credit Card (Axis, Visa)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/ld/download-faq/faq_credit_card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-shoppers-stop",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on special-category (Annexure-A) MCCs",
      "before": "Points on most spends",
      "after": "No points on Annexure-A MCCs (rent, education, insurance, government, transport, telecom, and more)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit restructured to a spend-based bonus",
      "before": "Activation-based reward-point bonus",
      "after": "500 reward points on ₹5,000 spend within 60 days of issuance",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Core reward points removed on special-category (Annexure-A) MCCs",
      "before": "Base (and 5X, where eligible) reward points across most categories including fuel",
      "after": "No reward points on fuel, groceries, rent, education, government, insurance, telecom, transport and utility-type MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "welcome",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit reworked from activation reward to spend-linked reward",
      "before": "1,000 reward points for card activation within 30 days of issuance",
      "after": "500 reward points on spends of ₹5,000 within 60 days of issuance",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Finance charge raised to 3.49% per month",
      "before": "3.25% per month (39% p.a.)",
      "after": "3.49% per month (41.88% p.a.)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on special-category MCCs and fuel",
      "before": "Earned 2 RP per ₹100 across categories",
      "after": "No RP on Annexure-A MCCs or fuel",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": "bob-2024-07-15-reward-points-removed-on-special-category"
    },
    {
      "cardKey": "sbi-irctc-premier",
      "cardName": "IRCTC SBI Card Premier",
      "issuer": "SBI Card",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government transactions stop earning reward points",
      "before": "Earned",
      "after": "Excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-premier",
      "noticeId": null,
      "actId": "sbi-2024-07-15-government-spend-exclusion"
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government transactions stop earning reward points",
      "before": "Earned",
      "after": "Excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2024-07-15-government-spend-exclusion"
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2024-07-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Special-MCC spends cut to zero rewards",
      "before": "Earned reward points",
      "after": "Zero core RP on Annexure-A MCCs",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://media.bobcard.co.in/media/er1bgwnc/revision-in-tariff-of-charges-product-features-wef-15th-july-2024.pdf",
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2024-07-15-special-mcc-spends-cut-to-zero-rewards"
    },
    {
      "cardKey": "hsbc-live-plus",
      "cardName": "HSBC Live+ Credit Card",
      "issuer": "HSBC",
      "date": "2024-07-15",
      "announced": "2024-07-12",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Rebranded to HSBC Live+ (relaunch)",
      "before": "HSBC Cashback Credit Card · 3.5% monthly APR · no category exclusions",
      "after": "HSBC Live+ Credit Card · 3.75% monthly APR · no cashback on utility & EMI transactions",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.about.hsbc.bank.in/-/media/india/en/news-and-media/240719-hsbc-cashback-credit-card-rebanded.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-live-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-07-12",
      "announced": null,
      "type": "network",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "RuPay, UPI-linkable variant added",
      "before": "Visa only",
      "after": "Visa + RuPay (UPI-linkable)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/ixigo-au-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kiwi",
      "cardName": "Kiwi RuPay Credit Card",
      "issuer": "YES Bank",
      "date": "2024-07-04",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Kiwi Neon paid rewards tier introduced",
      "before": "free tier only (~1.5% on UPI)",
      "after": "optional Neon (₹999/yr) up to 5% via milestones",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://gokiwi.in/neon/neon2/",
      "cardUrl": "https://cardadvisor.in/cards/kiwi",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2024-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Cashback replaced by Reward Points",
      "before": "Direct cashback, auto-credited",
      "after": "Reward Points (1 RP = Re.1), redeemed manually",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": "sbi-2024-07-01-cashback-replaced-by-reward-points"
    },
    {
      "cardKey": "sbi-paytm",
      "cardName": "Paytm SBI Card",
      "issuer": "SBI Card",
      "date": "2024-07-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Cashback replaced by Reward Points",
      "before": "Direct cashback, auto-credited",
      "after": "Reward Points (1 RP = Re 1), redeemed manually",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm",
      "noticeId": null,
      "actId": "sbi-2024-07-01-cashback-replaced-by-reward-points"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2024-07-01",
      "announced": "2024-03-22",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Lounge spend gate raised to ₹35,000 a quarter",
      "before": "₹10,000 per quarter",
      "after": "₹35,000 per quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2024-07-01-lounge-spend-gate-raised-to-35-000-a-quarter"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2024-07-01",
      "announced": "2024-03-21",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "superseded",
      "title": "Domestic lounge spend gate raised to ₹35,000 a quarter",
      "before": "₹10,000 / quarter",
      "after": "₹35,000 / quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2024-07-01-lounge-spend-gate-raised-to-35-000-a-quarter"
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-06-21",
      "announced": null,
      "type": "redemption",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Cashback switched from Swiggy wallet to statement credit",
      "before": "Swiggy Money (Swiggy-only wallet, ~1-year expiry)",
      "after": "Statement credit adjusted against outstanding",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "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-13032025.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-amazon-pay",
      "cardName": "Amazon Pay ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-06-18",
      "announced": "2024-05-20",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent payments dropped from rewards",
      "before": "1% reward on rent",
      "after": "0% on rent",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icicibank.com/personal-banking/cards/credit-card/amazon-pay-credit-card/terms-conditions",
      "cardUrl": "https://cardadvisor.in/cards/icici-amazon-pay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-horizon",
      "cardName": "Axis Bank Horizon Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-06-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Horizon launched as the Citi PremierMiles successor",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/ld/terms-and-conditions-for-horizon-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-horizon",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-adani-platinum",
      "cardName": "Adani One ICICI Bank Platinum Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-06-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Adani One ICICI Platinum launched — India's first airport-linked co-brand card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/platinum-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-adani-signature",
      "cardName": "Adani One ICICI Bank Signature Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-06-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Adani One ICICI Signature Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/adani-icici-credit-card/signature-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-adani-signature",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-shaurya-select",
      "cardName": "Shaurya Select SBI Card",
      "issuer": "SBI Card",
      "date": "2024-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government transactions stop earning reward points",
      "before": "Earned",
      "after": "Excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya-select",
      "noticeId": null,
      "actId": "sbi-2024-06-01-government-reward-exclusion"
    },
    {
      "cardKey": "sbi-simply-save",
      "cardName": "SBI SimplySAVE Credit Card",
      "issuer": "SBI Card",
      "date": "2024-06-01",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Reward points withdrawn on government transactions",
      "before": "Base reward points earned",
      "after": "No reward points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-save",
      "noticeId": null,
      "actId": "sbi-2024-06-01-government-reward-exclusion"
    },
    {
      "cardKey": "sbi-unnati",
      "cardName": "SBI Card Unnati",
      "issuer": "SBI Card",
      "date": "2024-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government transactions stop earning reward points",
      "before": "Earned",
      "after": "Excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-unnati",
      "noticeId": null,
      "actId": "sbi-2024-06-01-government-reward-exclusion"
    },
    {
      "cardKey": "sbi-shaurya",
      "cardName": "Shaurya SBI Card",
      "issuer": "SBI Card",
      "date": "2024-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government transactions stop earning reward points",
      "before": "Earned",
      "after": "Excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya",
      "noticeId": null,
      "actId": "sbi-2024-06-01-government-reward-exclusion"
    },
    {
      "cardKey": "sbi-aurum",
      "cardName": "SBI Card AURUM",
      "issuer": "SBI Card",
      "date": "2024-06-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Government spends made reward-ineligible",
      "before": "Reward points earned",
      "after": "No reward points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/List-of-SBI-Credit-Cards-apr24.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-aurum",
      "noticeId": null,
      "actId": "sbi-2024-06-01-government-reward-exclusion"
    },
    {
      "cardKey": "hdfc-pixel-go",
      "cardName": "HDFC PIXEL Go Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-05-14",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "PIXEL Go launched — entry-level flat-cashback digital card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/press-release/2024/q2-apr-jun/may/hdfc-bank-introduces-pixel-a-new-generation-of-digital-credit-cards.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-go",
      "noticeId": null,
      "actId": "hdfc-2024-05-14-pixel-play-launched-customisable-digital"
    },
    {
      "cardKey": "hdfc-pixel-play",
      "cardName": "HDFC PIXEL Play Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-05-14",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "PIXEL Play launched — customisable digital cashback card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-pixel-play",
      "noticeId": null,
      "actId": "hdfc-2024-05-14-pixel-play-launched-customisable-digital"
    },
    {
      "cardKey": "indusind-duo",
      "cardName": "IndusInd Bank Duo Card",
      "issuer": "IndusInd Bank",
      "date": "2024-05-05",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver narrowed and capped at ₹250 a cycle",
      "before": null,
      "after": "Waiver on ₹500–₹3,000 transactions, capped ₹250/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Fuel_Surcharge_Waiver.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-duo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge access now needs ₹50,000 prior-quarter spend",
      "before": "Complimentary, no spend condition",
      "after": "₹50,000 spend in previous 3 months required",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2024-05-01-lounge-spend-gates"
    },
    {
      "cardKey": "axis-samsung-signature",
      "cardName": "Samsung Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Domestic lounge access made spend-gated",
      "before": "Complimentary domestic lounge visits, no spend condition",
      "after": "4 visits/calendar year unlocked only with ₹50,000 spend in the previous 3 months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/cards/credit-card/samsung-axis-bank-signature-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-signature",
      "noticeId": null,
      "actId": "axis-2024-05-01-lounge-spend-gates"
    },
    {
      "cardKey": "idfc-wow",
      "cardName": "IDFC FIRST WOW! Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "1% + GST surcharge added on large utility-bill spends",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow",
      "noticeId": null,
      "actId": "idfc-2024-05-01-rent-utility-fees"
    },
    {
      "cardKey": "idfc-wow",
      "cardName": "IDFC FIRST WOW! Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Base reward earning cut — points re-pegged from ₹100 to ₹150",
      "before": "4 pts / ₹100",
      "after": "4 pts / ₹150",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow",
      "noticeId": null,
      "actId": "idfc-2024-05-01-reward-devaluation"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel earning raised from 15X to 21X",
      "before": "15X, up to 500 RP (₹125) per statement cycle",
      "after": "21X, up to 700 RP (₹175) per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel-surcharge waiver withdrawn",
      "before": "1% surcharge waiver on all fuel transactions",
      "after": "Not applicable — value folded into the fuel-rewards category",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-fuel-surcharge-waiver-withdrawn"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent surcharge floor and utility commercial-use fee introduced",
      "before": "Rent 1% of transaction value; no utility fee on personal use",
      "after": "Rent 1% subject to a ₹249 minimum per transaction; utility 1% above ₹20,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-rent-utility-fees"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "UPI earning flattened to 2X and uncapped",
      "before": "Earned at the underlying category rate (fuel, FASTag, grocery, utility), capped per category",
      "after": "Flat 2X across all categories, uncapped — fuel, insurance and EMI excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-upi-earning-flattened-to-3x-and-uncapped"
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Lounge access made spend-conditional (₹50,000 in prior 3 months)",
      "before": "4 complimentary visits/year, unconditional",
      "after": "4 visits/year, gated on ₹50,000 spend in the previous 3 calendar months",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": null,
      "actId": "axis-2024-05-01-lounge-spend-gates"
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access spend-gated for the first time",
      "before": "4 domestic visits, no minimum spend",
      "after": "Reduced visits; ₹20,000 prior-month spend required to unlock",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "System-wide reward devaluation (₹100→₹150 basis)",
      "before": "1 pt per ₹100; 6X online, 3X offline; 10X above ₹30k",
      "after": "1 pt per ₹150; flat 3X base; 10X above ₹20k",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/personal-banking/Important-Communication-Rewards-Wealth",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": "idfc-2024-05-01-reward-devaluation"
    },
    {
      "cardKey": "sc-super-value-titanium",
      "cardName": "Standard Chartered Super Value Titanium Credit Card",
      "issuer": "Standard Chartered",
      "date": "2024-05-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cashback redemption threshold doubled to ₹1,000",
      "before": "₹500, in multiples of ₹50",
      "after": "₹1,000, in multiples of ₹500",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/credit-cards/svt-manhattan-changes-faqs/",
      "cardUrl": "https://cardadvisor.in/cards/sc-super-value-titanium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge halved and spend-gate raised to ₹20,000",
      "before": "4 visits/quarter, ₹5,000 prior-month spend",
      "after": "2 visits/quarter, ₹20,000 prior-month spend",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "System-wide reward devaluation (base moved to ₹150/point)",
      "before": "6X online / 3X offline; 10X above ₹25,000/month; movie BOGO ₹250",
      "after": "Flat 3X, 1 pt per ₹150; 10X above ₹20,000/month; movie BOGO ₹125",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": "idfc-2024-05-01-reward-devaluation"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel surcharge waiver cap cut ₹125 to ₹100 a cycle",
      "before": "₹125 a statement cycle",
      "after": "₹100 a statement cycle",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and wallet spends stop counting toward the fee waiver",
      "before": "All spends counted toward the waiver thresholds",
      "after": "Rent and wallet-load spends excluded",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility spends above ₹15,000 a month attract a 1% fee",
      "before": "No fee on utility transactions",
      "after": "1% + GST once monthly utility spends cross ₹15,000",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2024-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "ALL Accor Plus Explorer membership added",
      "before": "Taj Epicure Plus only",
      "after": "Taj Epicure Plus + ALL Accor Plus Explorer",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/content/dam/amex/en-in/benefits/Accor_Plus_Programme_TnC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2024-05-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Golf made spend-gated",
      "before": "2 games/month unconditional",
      "after": "2 games/month on ₹50,000 prior-month spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/platinum-reserve-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2024-05-01",
      "announced": null,
      "type": "milestone",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Monthly milestone voucher doubled",
      "before": "₹500 voucher at ₹25,000/month",
      "after": "₹1,000 voucher at ₹50,000/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/platinum-reserve-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2024-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Two international lounge visits added",
      "before": "Domestic lounge visits only",
      "after": "+2 international Priority Pass visits/year",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/platinum-reserve-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Domestic lounge access made spend-gated",
      "before": "Complimentary domestic lounge visits, no spend condition",
      "after": "8 visits/year unlocked only with ₹50,000 spend in the previous 3 months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/tnc-for-samsung-infinite.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": "axis-2024-05-01-lounge-spend-gates"
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel earning raised to 30X and the fuel cap widened",
      "before": "24X, up to 1,600 RP (₹400) per cycle on ₹10,000 fuel spend",
      "after": "30X, up to 2,400 RP (₹600) per cycle on ₹12,000 fuel spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fuel-surcharge waiver withdrawn",
      "before": "1% surcharge waiver on all fuel transactions",
      "after": "Not applicable — value folded into the fuel-rewards category",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-fuel-surcharge-waiver-withdrawn"
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Lounge access spend gate quadrupled to ₹20,000",
      "before": "1 domestic visit/quarter on ₹5,000 monthly spend",
      "after": "1 domestic visit/quarter on ₹20,000 monthly spend",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent surcharge floor and utility commercial-use fee introduced",
      "before": "Rent 1% of transaction value; no utility fee on personal use",
      "after": "Rent 1% subject to a ₹249 minimum per transaction; utility 1% above ₹20,000/cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-rent-utility-fees"
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "UPI earning flattened to 3X and uncapped",
      "before": "Earned at the underlying category rate (fuel, FASTag, grocery, utility), capped per category",
      "after": "Flat 3X across all categories, uncapped — fuel, insurance and EMI excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/cvp/PowerPlusCVP.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": "idfc-2024-05-01-upi-earning-flattened-to-3x-and-uncapped"
    },
    {
      "cardKey": "sc-smart",
      "cardName": "Standard Chartered Smart Credit Card",
      "issuer": "Standard Chartered",
      "date": "2024-05-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption minimum raised to Rs 2,500",
      "before": "Rs 1,000 (then Rs 500 increments)",
      "after": "Rs 2,500 (then Rs 1,000 increments)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/credit-cards/smart-card-faqs/",
      "cardUrl": "https://cardadvisor.in/cards/sc-smart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Lounge access spend-gated",
      "before": "4 complimentary domestic visits/year",
      "after": "Requires ₹50,000 spend in prior 3 months",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://web.archive.org/web/20240530180332/https://www.axisbank.com/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": null,
      "actId": "axis-2024-05-01-lounge-spend-gates"
    },
    {
      "cardKey": "idfc-millennia",
      "cardName": "IDFC FIRST Millennia Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2024-05-01",
      "announced": "2024-04-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Online rate halved 6X to 3X; threshold exclusions widened",
      "before": "6X on online spends up to ₹20,000/month",
      "after": "3X on online spends up to ₹20,000/month",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-millennia",
      "noticeId": null,
      "actId": "idfc-2024-05-01-reward-devaluation"
    },
    {
      "cardKey": "sbi-miles",
      "cardName": "SBI Card MILES",
      "issuer": "SBI Card",
      "date": "2024-04-23",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SBI Card MILES launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/sbi-card-miles-base-tnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-miles",
      "noticeId": null,
      "actId": "sbi-2024-04-23-sbi-card-miles-launched"
    },
    {
      "cardKey": "au-spont",
      "cardName": "AU SPONT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-23",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU SPONT launches alongside AU NOMO",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-spont",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-nomo",
      "cardName": "AU NOMO Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-23",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU NOMO launches as a fixed-deposit-secured credit card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-nomo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-miles-elite",
      "cardName": "SBI Card Miles Elite",
      "issuer": "SBI Card",
      "date": "2024-04-23",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SBI Card Miles Elite launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-miles-elite",
      "noticeId": null,
      "actId": "sbi-2024-04-23-sbi-card-miles-launched"
    },
    {
      "cardKey": "sbi-miles-prime",
      "cardName": "SBI Card MILES PRIME",
      "issuer": "SBI Card",
      "date": "2024-04-23",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SBI Card MILES PRIME launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-miles-prime",
      "noticeId": null,
      "actId": "sbi-2024-04-23-sbi-card-miles-launched"
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "lounge",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Burgundy Private spared the new lounge spend-criteria cut",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel, gold/jewellery, government and utility spends excluded from EDGE earning",
      "before": "All spend categories earned EDGE Reward Points",
      "after": "Fuel, gold/jewellery, government payments and utilities earn nothing",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": "axis-2024-04-20-edge-earn-exclusions"
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "welcome",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Welcome and annual benefit of 30,000 EDGE Reward Points discontinued",
      "before": "30,000 EDGE Reward Points on first transaction and on renewal",
      "after": "Discontinued — no welcome or annual points benefit",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/bp-rewards-program-tnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Concierge and BookMyShow offer withdrawn",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "EDGE Reward Points transfer partners split into capped groups",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2024-04-20-transfer-group-caps"
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Fee-waiver spend raised to ₹8 lakh",
      "before": "₹6,00,000",
      "after": "₹8,00,000",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Rent, fuel, utilities and more excluded from rewards",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-select-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": "axis-2024-04-20-edge-earn-exclusions"
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-20",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Accelerated earn capped and seven categories excluded",
      "before": "5 EDGE Miles/₹100 on travel, uncapped",
      "after": "5/₹100 only up to ₹2L travel spend per month, then 2/₹100",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-atlas-cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-20",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Milestone miles cut from 17,500 to 10,000/year",
      "before": "2,500 / 5,000 / 10,000 = 17,500 total",
      "after": "2,500 / 2,500 / 5,000 = 10,000 total",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-atlas-cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-20",
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Transfer partners split into Group A/B with annual caps",
      "before": "Effectively uncapped 1:2 transfers",
      "after": "≤30,000 (Group A) + ≤120,000 (Group B), overall ≤150,000 EDGE Miles/year",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-of-features-of-axis-bank-atlas-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": "axis-2024-04-20-transfer-group-caps"
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-20",
      "type": "welcome",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome bonus halved to 2,500 EDGE Miles",
      "before": "5,000 EDGE Miles (3 txns / 60 days)",
      "after": "2,500 EDGE Miles (1 txn / 37 days)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-atlas-cc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Cashback on utility payments restricted to the Freecharge app",
      "before": "Utility-service spends earned cashback on any platform",
      "after": "Only utility spends made inside the Freecharge app earn cashback",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/terms-and-conditions-axis-bank-freecharge-plus-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-20",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Annual renewal benefit of 50,000 points discontinued",
      "before": "50,000 EDGE Reward points on renewal",
      "after": "None",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/reserve-credit-card-terms-and-conditions.pdf?sfvrsn=2ea71d5f_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-20",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Insurance, fuel, gold and wallet spends stop earning points",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/reserve-credit-card-terms-and-conditions.pdf?sfvrsn=2ea71d5f_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": "axis-2024-04-20-edge-earn-exclusions"
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-20",
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Luxury airport transfers withdrawn",
      "before": "4 luxury airport transfers/year",
      "after": "None",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/reserve-credit-card-terms-and-conditions.pdf?sfvrsn=2ea71d5f_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-20",
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Transfer partners split into Group A/B with 1 lakh / 4 lakh caps",
      "before": "Single 5 lakh points/year pool",
      "after": "Group A capped at 1 lakh; Group B capped at 4 lakh",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/reserve-credit-card-terms-and-conditions.pdf?sfvrsn=2ea71d5f_1",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": "axis-2024-04-20-transfer-group-caps"
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Accelerated cashback caps cut ₹300→₹250; utility earn locked to the Thanks app",
      "before": "₹300/month per category",
      "after": "₹250/month per category",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": null,
      "actId": "axis-2024-04-20-accelerated-cashback-caps-cut-300-250"
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Domestic lounge access gated behind ₹50,000 prior-quarter spend",
      "before": "Complimentary domestic lounge visits without a spend condition",
      "after": "2 domestic lounge visits a quarter, only on ₹50,000 of spend in the previous 3 months",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel, gold/jewellery, government and utility spends excluded from EDGE earning",
      "before": "Broad spend earned EDGE Reward Points",
      "after": "Fuel, gold/jewellery, government payments, utilities, rent, wallet loads, insurance and education earn nothing",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": "axis-2024-04-20-edge-earn-exclusions"
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Accelerated fuel earn narrowed and capped",
      "before": "Fuel txns ₹100–₹5,000 eligible; no explicit monthly points cap",
      "after": "Fuel txns ₹400–₹4,000 eligible; max 1,000 EDGE points/statement month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-indian-oil-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Annual-fee waiver bar raised 7x",
      "before": "₹50,000 eligible spend/year",
      "after": "₹3,50,000 eligible spend/year",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-indian-oil-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Base EDGE points removed on insurance, gold & fuel",
      "before": "Base points earned across spends",
      "after": "Insurance, gold/jewellery & fuel earn no base EDGE points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-indian-oil-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": null,
      "actId": "axis-2024-04-20-edge-earn-exclusions"
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": null,
      "type": "welcome",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Welcome benefit switched from cashback to EDGE points",
      "before": "Up to ₹250 cashback on fuel in first 30 days",
      "after": "Up to 1,250 EDGE points (~₹250) on first fuel txn in 30 days",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-indian-oil-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-19",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Base cashback cut 2% → 1.5%",
      "before": "2% unlimited",
      "after": "1.5% unlimited",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/axis-bank-ace-credit-card-tncs.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-20",
      "announced": "2024-03-19",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Utility 5% restricted to Google Pay only",
      "before": "Utility spends earned across platforms",
      "after": "Cashback only on utilities paid via Google Pay",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/axis-bank-ace-credit-card-tncs.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-shoppers-stop",
      "cardName": "Axis Bank Shoppers Stop Credit Card",
      "issuer": "Axis Bank",
      "date": "2024-04-16",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Bank Shoppers Stop card launched as the First Citizen Citibank successor",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/axis-bank-expands-its-omni-channel-shopping-segment-through-its-credit-card-partnership-with-shoppers-stop",
      "cardUrl": "https://cardadvisor.in/cards/axis-shoppers-stop",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-irctc-premier",
      "cardName": "IRCTC SBI Card Premier",
      "issuer": "SBI Card",
      "date": "2024-04-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent payments stop earning reward points",
      "before": "Earned",
      "after": "Excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/IRCTCPremiertnc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-premier",
      "noticeId": null,
      "actId": "sbi-2024-04-15-rent-reward-exclusion"
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2024-04-15",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Reward points removed on rent payments (MCC 6513)",
      "before": "Base RP earned on rent payments",
      "after": "No RP on rent payments (MCC 6513)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2024-04-15-rent-reward-exclusion"
    },
    {
      "cardKey": "sbi-bpcl-octane",
      "cardName": "BPCL SBI Card Octane",
      "issuer": "SBI Card",
      "date": "2024-04-15",
      "announced": "2024-03-15",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Reward points on rent payments withdrawn",
      "before": "Reward points earned on rent payments",
      "after": "No reward points on rent payments",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-bpcl-octane",
      "noticeId": null,
      "actId": "sbi-2024-04-15-rent-reward-exclusion"
    },
    {
      "cardKey": "sbi-doctors",
      "cardName": "Doctor's SBI Card",
      "issuer": "SBI Card",
      "date": "2024-04-01",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Reward points removed on rent payments (MCC 6513)",
      "before": "Base RP earned on rent payments",
      "after": "No RP on rent payments (MCC 6513)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors",
      "noticeId": null,
      "actId": "sbi-2024-04-01-reward-points-removed-on-rent-payments"
    },
    {
      "cardKey": "sbi-shaurya-select",
      "cardName": "Shaurya Select SBI Card",
      "issuer": "SBI Card",
      "date": "2024-04-01",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Reward points removed on rent payments (MCC 6513)",
      "before": "Base RP earned on rent payments",
      "after": "No RP on rent payments (MCC 6513)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya-select",
      "noticeId": null,
      "actId": "sbi-2024-04-01-reward-points-removed-on-rent-payments"
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2024-04-01",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward points removed on rent payments (MCC 6513)",
      "before": "Base RP earned on rent payments",
      "after": "No RP on rent payments (MCC 6513)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": "sbi-2024-04-01-reward-points-removed-on-rent-payments"
    },
    {
      "cardKey": "sbi-doctors-ima",
      "cardName": "Doctor's SBI Card (in Association with IMA)",
      "issuer": "SBI Card",
      "date": "2024-04-01",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward points removed on rent payments (MCC 6513)",
      "before": "Base RP earned on rent payments",
      "after": "No RP on rent payments (MCC 6513)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors-ima",
      "noticeId": null,
      "actId": "sbi-2024-04-01-reward-points-removed-on-rent-payments"
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent, education and government spends stop earning rewards",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": "au-2024-04-01-rent-education-and-government-spends-stop"
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "APR raised to 3.59%/month",
      "before": "3.49%/month (41.88% p.a.)",
      "after": "3.59%/month (43.08% p.a.)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": "au-2024-04-01-apr-raised-to-3-59-month"
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent, education and government spends stop earning rewards",
      "before": "Rent/education/government spends earned base reward points",
      "after": "No reward points on rent/education/government MCCs",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": "au-2024-04-01-rent-education-and-government-spends-stop"
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "APR named again at 3.59%/mo for Xcite Ultra",
      "before": "APR set at 3.59%/mo since Apr-2023 (subject to any interim change not independently found)",
      "after": "APR reconfirmed at 3.59%/mo (43.08% p.a.)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent, education and government spends stop earning rewards",
      "before": "Rent/education/government spends earned reward points",
      "after": "No reward points on rent, education, government-category spends",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2024-04-01-rent-education-and-government-spends-stop"
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Domestic lounge access becomes spend-gated",
      "before": "Unconditional — one visit a quarter for holding the card",
      "after": "₹10,000 of spend in the previous quarter required",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2024-04-01-domestic-lounge-access-made-spend-linked"
    },
    {
      "cardKey": "sbi-unnati",
      "cardName": "SBI Card Unnati",
      "issuer": "SBI Card",
      "date": "2024-04-01",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Reward points removed on rent payments (MCC 6513)",
      "before": "Base RP earned on rent payments",
      "after": "No RP on rent payments (MCC 6513)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-unnati",
      "noticeId": null,
      "actId": "sbi-2024-04-01-reward-points-removed-on-rent-payments"
    },
    {
      "cardKey": "sbi-shaurya",
      "cardName": "Shaurya SBI Card",
      "issuer": "SBI Card",
      "date": "2024-04-01",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Reward points removed on rent payments (MCC 6513)",
      "before": "Base RP earned on rent payments",
      "after": "No RP on rent payments (MCC 6513)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya",
      "noticeId": null,
      "actId": "sbi-2024-04-01-reward-points-removed-on-rent-payments"
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "APR raised to 3.59%/month",
      "before": "Lower finance charge",
      "after": "3.59%/month (43.08% p.a.)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": null,
      "actId": "au-2024-04-01-apr-raised-to-3-59-month"
    },
    {
      "cardKey": "sbi-aurum",
      "cardName": "SBI Card AURUM",
      "issuer": "SBI Card",
      "date": "2024-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward points removed on rent payments",
      "before": "Reward points earned",
      "after": "No reward points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-aurum",
      "noticeId": null,
      "actId": "sbi-2024-04-01-reward-points-removed-on-rent-payments"
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent, education and government spends stop earning rewards",
      "before": "Rent/education/government spends earned rewards",
      "after": "No cashback/points on rent, education, government-category spends",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": null,
      "actId": "au-2024-04-01-rent-education-and-government-spends-stop"
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2024-04-01",
      "announced": "2024-02-05",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "superseded",
      "title": "Domestic lounge access made spend-linked",
      "before": "Unconditional with the card",
      "after": "₹10,000 spend in the previous quarter",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": "yes-2024-04-01-domestic-lounge-access-made-spend-linked"
    },
    {
      "cardKey": "sbi-elite",
      "cardName": "SBI Card ELITE",
      "issuer": "SBI Card",
      "date": "2024-04-01",
      "announced": "2024-03-01",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Reward points removed on rent payments (MCC 6513)",
      "before": "Base RP earned on rent payments",
      "after": "No RP on rent payments (MCC 6513)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/faq/earning-reward-points.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-elite",
      "noticeId": null,
      "actId": "sbi-2024-04-01-reward-points-removed-on-rent-payments"
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent, education and government spends stop earning rewards",
      "before": "Rent/education/government spends earned rewards",
      "after": "No reward points on rent, education, government-category spends",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2024-04-01-rent-education-and-government-spends-stop"
    },
    {
      "cardKey": "sbi-titan",
      "cardName": "Titan SBI Card",
      "issuer": "SBI Card",
      "date": "2024-03-21",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Titan SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/titan-sbi-card.html",
      "cardUrl": "https://cardadvisor.in/cards/sbi-titan",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2024-03-21",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Domestic lounge access made spend-linked",
      "before": "Unlimited / unconditional",
      "after": "Prior-quarter spend required (₹10,000, soon ₹35,000)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-manhattan-platinum",
      "cardName": "Standard Chartered Manhattan Platinum Credit Card",
      "issuer": "Standard Chartered",
      "date": "2024-03-16",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Cashback redemption minimum raised to Rs 1,000",
      "before": "Rs 500, in multiples of Rs 50",
      "after": "Rs 1,000, in multiples of Rs 500",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/credit-cards/svt-manhattan-changes-faqs/",
      "cardUrl": "https://cardadvisor.in/cards/sc-manhattan-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2024-03-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Minimum Amount Due calculation revised",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": "sbi-2024-03-15-minimum-amount-due-calculation-revised"
    },
    {
      "cardKey": "sbi-reliance-prime",
      "cardName": "Reliance SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2024-03-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum Amount Due (MAD) calculation revised",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-reliance-prime",
      "noticeId": null,
      "actId": "sbi-2024-03-15-minimum-amount-due-calculation-revised"
    },
    {
      "cardKey": "sbi-unnati",
      "cardName": "SBI Card Unnati",
      "issuer": "SBI Card",
      "date": "2024-03-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Minimum Amount Due (MAD) calculation revised",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-unnati",
      "noticeId": null,
      "actId": "sbi-2024-03-15-minimum-amount-due-calculation-revised"
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-03-01",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Earning restructured to 3% Shoppers Stop / 1% other Reward Points with monthly caps",
      "before": "Co-brand earning without the ₹500 / ₹1,000 monthly Reward-Point caps",
      "after": "3% on Shoppers Stop (cap 500 RP/month) + 1% elsewhere (cap 1,000 RP/month), min ₹150/txn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/shoppers-stop-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-03-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Lifetime-free tag dropped; ₹299 joining and annual fee introduced",
      "before": "Lifetime free (₹0)",
      "after": "₹299 + GST joining and annual fee",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/shoppers-stop-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-03-01",
      "announced": null,
      "type": "milestone",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Weekend milestone added — ₹500 in points on a ₹15,000+ Shoppers Stop bill",
      "before": "No weekend milestone",
      "after": "₹500 in Reward Points for a single ₹15,000+ Shoppers Stop weekend purchase",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/shoppers-stop-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-mrcc",
      "cardName": "American Express Membership Rewards Credit Card",
      "issuer": "American Express",
      "date": "2024-03-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "18K/24K Gold Collection shopping vouchers cut ₹1,000 each",
      "before": "18K = ₹7,000 · 24K = ₹9,000",
      "after": "18K = ₹6,000 · 24K = ₹8,000",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/rewards/membership-rewards/redeem-points/gold-collection.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-mrcc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-03-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Point value split into separate cash and non-cash rates",
      "before": "1 RP = ₹0.50 non-cash (stated from 1 Jan 2024)",
      "after": "Non-cash ₹0.60 · cash ₹0.40",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/credit-card-related/important-updates-reward-points-cash-redemption.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "slice",
      "cardName": "slice UPI Credit Card",
      "issuer": "slice",
      "date": "2024-02-05",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "slice opens its UPI-first prepaid account to all users",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/slice",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-02-05",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
      "before": "Rent & e-wallet loads earned points",
      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
    },
    {
      "cardKey": "icici-platinum",
      "cardName": "ICICI Bank Platinum Chip Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-02-05",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
      "before": "Rent & e-wallet loads earned points",
      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-platinum",
      "noticeId": null,
      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-02-05",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and wallet-load spends stop earning points",
      "before": "Rent & e-wallet loads earned points",
      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2024-02-05",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
      "before": "Rent & e-wallet loads earned points",
      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-02-05",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
      "before": "Rent & e-wallet loads earned points",
      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
    },
    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-02-05",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
      "before": "Rent & e-wallet loads earned points",
      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
      "noticeId": null,
      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2024-02-05",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Rent and e-wallet loads stop earning points",
      "before": "Rent & e-wallet loads earned points",
      "after": "Rent & e-wallet loads excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/upcoming-changes-features-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2024-02-05-rent-and-e-wallet-loads-stop-earning-points"
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2024-02",
      "announced": null,
      "type": "network",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Card offered on RuPay with UPI Scan & Pay linkage",
      "before": "Non-RuPay co-brand (no UPI linkage at 2022 launch)",
      "after": "RuPay card linkable to UPI for Scan & Pay",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-eazydiner-platinum",
      "cardName": "EazyDiner IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-01-16",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "EazyDiner IndusInd Bank Platinum launched as the free entry variant",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/iblogs/pressrelease/indusind-bank-and-eazydiner-collaboratively-launch-the-eazydiner-indusind-bank-platinum-credit-card-to-redefine-dining-experience-for-customers/",
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-samman",
      "cardName": "IndusInd Bank Samman Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2024-01-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Samman RuPay launched for government-sector employees",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/about-us/mediabrand/FY/2023-2024/January/samman-rupay-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-samman",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kiwi",
      "cardName": "Kiwi RuPay Credit Card",
      "issuer": "YES Bank",
      "date": "2024",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Yes Bank 'Klick' becomes the mainstream issuer",
      "before": "Axis Bank (KWIK)",
      "after": "Yes Bank (Klick)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://gokiwi.in/cards/yesbank/",
      "cardUrl": "https://cardadvisor.in/cards/kiwi",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2024",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Zomato 40% offer opened up to most restaurants",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": null,
      "actId": "axis-2024-zomato-40-offer-opened-up-to-most"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2024",
      "announced": null,
      "type": "network",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "American Express variant withdrawn",
      "before": "Amex + Mastercard",
      "after": "Mastercard / Visa only",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2024",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Metal Edition relaunch — fee-waiver spend raised ₹5L → ₹8L",
      "before": "₹5 lakh annual spend (PVC)",
      "after": "₹8 lakh annual spend (Metal)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/personal/pay/cards/credit-cards/diners-club-black-metal-edition/fees-and-charges",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2024",
      "announced": null,
      "type": "milestone",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Monthly voucher milestone restructured to quarterly bonus",
      "before": "Two ₹500 vouchers on ₹80,000 monthly spend",
      "after": "10,000 RP on ₹4 lakh quarterly spend (up to 40,000 RP/yr)",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/personal/pay/cards/credit-cards/diners-club-black-metal-edition",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-doctors-ima",
      "cardName": "Doctor's SBI Card (in Association with IMA)",
      "issuer": "SBI Card",
      "date": "2024",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Professional indemnity cover doubled to ₹20 lakh",
      "before": "₹10 lakh",
      "after": "₹20 lakh",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/doctors-ima-sbi-card.html",
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors-ima",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2024",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Base 'other spends' rate cut from 1.5% to 1%",
      "before": "1.5%",
      "after": "1%",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-flipkart.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-salaryse-up",
      "cardName": "RBL Bank SalarySe UP Credit Card",
      "issuer": "RBL Bank",
      "date": "2024",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL SalarySe UP launched as a virtual RuPay-on-UPI card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/credit-cards/tnc-salary-se-up-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-salaryse-up",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-patanjali-vishisht",
      "cardName": "RBL Bank Patanjali Vishisht Credit Card",
      "issuer": "RBL Bank",
      "date": "2024",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Patanjali Vishisht launched — 10% Patanjali cashback on a ₹499 RuPay-on-UPI card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-patanjali-vishisht",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2024",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "superseded",
      "title": "Domestic lounge access made spend-linked",
      "before": "No spend condition",
      "after": "Prior-quarter spend required — ₹10,000, then ₹35,000",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2024",
      "announced": null,
      "type": "network",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Altura Plus becomes RuPay/UPI-linkable",
      "before": "Visa (2021 launch network)",
      "after": "RuPay (UPI-linkable)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2024",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Voucher redemption value cut ₹0.25 to ₹0.15",
      "before": "₹0.25 / point",
      "after": "₹0.15 / point",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-marquee",
      "cardName": "YES Bank Marquee Credit Card",
      "issuer": "YES Bank",
      "date": "2024",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "YES Bank Marquee launches as a super-premium card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-marquee",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2023-12-18",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Renamed YES Select; accelerated earn moves from dining and travel to online",
      "before": "8 points per ₹200 on dining and travel, 4 per ₹200 elsewhere, 2 on select categories",
      "after": "8 points per ₹200 online, 4 per ₹200 offline, 2 on select categories",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2023-12-18",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Credit-shield cover swapped for online purchase protection",
      "before": "Credit shield cover on accidental death of the primary cardholder",
      "after": "Purchase protection on mobiles and electronics bought online, up to six months",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2023-12-18",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Online earning doubled to 8 points per ₹200",
      "before": "4 points per ₹200 on retail, plus 8 per ₹200 on dining and travel capped at 1,500 points a month",
      "after": "8 points per ₹200 online capped at 5,000 points a cycle, 4 per ₹200 offline, 2 per ₹200 on select categories",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2023-12-18",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Prosperity Rewards Plus relaunched as the YES Bank Ace",
      "before": "YES Prosperity Rewards Plus",
      "after": "YES Bank Ace",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2023-12-18",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Purchase protection cover added",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2023-12-18",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Renamed from YES Premia to ELITE and earning switched to online vs offline",
      "before": "12 points per ₹200 on travel and dining",
      "after": "12 points per ₹200 on online spends, 6 per ₹200 offline",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-solitaire",
      "cardName": "IndusInd Bank Indus Solitaire Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2023-12-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Indus Solitaire launched with the diamond-industry banking programme",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/about-us/mediabrand/FY/2023-2024/December/Indus-Solitaire-Program.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-solitaire",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-lic-classic",
      "cardName": "LIC Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-12-14",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "LIC Classic launched with LIC Cards and Mastercard",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/news-media/press-release/LIC-PR-Draft-11-Dec.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-classic",
      "noticeId": null,
      "actId": "idfc-2023-12-14-lic-select-launched-with-lic-cards-and"
    },
    {
      "cardKey": "idfc-lic-select",
      "cardName": "LIC Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-12-14",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "LIC Select launched with LIC Cards and Mastercard",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/news-media/press-release/LIC-PR-Draft-11-Dec.pdf",
      "cardUrl": "https://cardadvisor.in/cards/idfc-lic-select",
      "noticeId": null,
      "actId": "idfc-2023-12-14-lic-select-launched-with-lic-cards-and"
    },
    {
      "cardKey": "idfc-swyp",
      "cardName": "IDFC FIRST SWYP Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-12-08",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST SWYP launched with Mastercard",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/swyp-emi-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-swyp",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-digital-rupay",
      "cardName": "IDFC FIRST Digital RuPay Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-12-07",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST Digital RuPay launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/rupay-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-digital-rupay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-12-01",
      "announced": "2023-10-31",
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Complimentary lounge access removed — now ₹1 lakh/quarter",
      "before": "Unconditional complimentary domestic lounge access",
      "after": "Spend ₹1 lakh/quarter, then choose lounge voucher OR ₹1,000 brand voucher",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia+Cards/CashBack+Credit+Card/Change-in-Lounge-access-Millenia.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum-rupay",
      "cardName": "IndusInd Bank Platinum RuPay Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2023-11-07",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Platinum RuPay launched — IndusInd goes live with credit card on UPI",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/about-us/mediabrand/FY/2023-2024/November/RuPay-Credit-Card-On-UPI.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-rupay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2023-11-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Statement-credit redemption slashed 1 RP ₹1 → ₹0.40",
      "before": "1 RP = ₹1",
      "after": "1 RP = ₹0.40",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-ixigo",
      "cardName": "ixigo AU Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-11",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Small Finance Bank and ixigo launch co-branded travel credit card on Visa",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-ixigo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-simply-click",
      "cardName": "SBI SimplyCLICK Credit Card",
      "issuer": "SBI Card",
      "date": "2023-11-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EazyDiner dropped from 10X to 5X",
      "before": "10X",
      "after": "5X",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-click",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-reliance",
      "cardName": "Reliance SBI Card",
      "issuer": "SBI Card",
      "date": "2023-10-31",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Reliance SBI Card launched as SBI Card–Reliance Retail co-brand",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/shopping/reliance-sbi-card.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-reliance",
      "noticeId": null,
      "actId": "sbi-2023-10-31-reliance-sbi-card-launched-as-sbi-card"
    },
    {
      "cardKey": "sbi-reliance-prime",
      "cardName": "Reliance SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2023-10-31",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Reliance SBI Card PRIME launched as SBI Card–Reliance Retail co-brand",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/shopping/reliance-sbi-card-prime.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-reliance-prime",
      "noticeId": null,
      "actId": "sbi-2023-10-31-reliance-sbi-card-launched-as-sbi-card"
    },
    {
      "cardKey": "axis-fibe",
      "cardName": "Fibe Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-10-12",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "India's first numberless RuPay card launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.fibe.in/news/fibe-launches-indias-first-numberless-credit-card-in-partnership-with-axis-bank/",
      "cardUrl": "https://cardadvisor.in/cards/axis-fibe",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-play",
      "cardName": "RBL Bank Play Credit Card",
      "issuer": "RBL Bank",
      "date": "2023-10-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward points removed on utility, fuel, insurance & more",
      "before": "Most spends earned base reward points",
      "after": "Fuel, utility, insurance, rental, railways & wallet excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-play",
      "noticeId": null,
      "actId": "rbl-2023-10-09-reward-category-exclusions"
    },
    {
      "cardKey": "rbl-blockbuster",
      "cardName": "RBL Bank Blockbuster Credit Card",
      "issuer": "RBL Bank",
      "date": "2023-10-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on several everyday categories",
      "before": "Most spends earned 2 RP/₹100",
      "after": "Insurance, wallet, fuel, utility, rent, railways, misc excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-blockbuster",
      "noticeId": null,
      "actId": "rbl-2023-10-09-reward-category-exclusions"
    },
    {
      "cardKey": "rbl-bankbazaar-savemax",
      "cardName": "RBL Bank BankBazaar SaveMax Credit Card",
      "issuer": "RBL Bank",
      "date": "2023-10-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on fuel, utilities, insurance, rent & wallet spends",
      "before": "Most non-grocery spends earned 1 RP/₹100",
      "after": "Fuel, utilities, insurance, rent, wallet & similar earn nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax",
      "noticeId": null,
      "actId": "rbl-2023-10-09-reward-category-exclusions"
    },
    {
      "cardKey": "rbl-platinum-maxima",
      "cardName": "RBL Bank Platinum Maxima Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2023-10-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on utilities, insurance, fuel & more",
      "before": "Most spends earned reward points",
      "after": "Insurance, wallet, fuel, utility, rental, railways, misc excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-platinum-maxima",
      "noticeId": null,
      "actId": "rbl-2023-10-09-reward-category-exclusions"
    },
    {
      "cardKey": "rbl-bankbazaar-savemax-pro",
      "cardName": "RBL Bank BankBazaar SaveMax Pro Credit Card",
      "issuer": "RBL Bank",
      "date": "2023-10-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Base reward points removed on wallet, rental, utility & similar spends",
      "before": "2X base points on most non-accelerator spends",
      "after": "No points on wallet, rental, utility, insurance, railways & misc",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax-pro",
      "noticeId": null,
      "actId": "rbl-2023-10-09-reward-category-exclusions"
    },
    {
      "cardKey": "rbl-binge",
      "cardName": "RBL Bank Binge Credit Card",
      "issuer": "RBL Bank",
      "date": "2023-10-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on utilities, insurance, fuel & more",
      "before": "Base points on most spends",
      "after": "No points on insurance, wallet, fuel, utility, rental, railways, misc.",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-binge",
      "noticeId": null,
      "actId": "rbl-2023-10-09-reward-category-exclusions"
    },
    {
      "cardKey": "rbl-shoprite",
      "cardName": "RBL Bank ShopRite Credit Card",
      "issuer": "RBL Bank",
      "date": "2023-10-09",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Reward points removed on utilities, insurance, fuel & more",
      "before": "Base points on most everyday spends",
      "after": "No points on insurance, wallet, fuel, utility, rental, railways, misc.; utilities/insurance/EMI ineligible",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/Credit%20Cards/TermsCondition.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-shoprite",
      "noticeId": null,
      "actId": "rbl-2023-10-09-reward-category-exclusions"
    },
    {
      "cardKey": "indusind-epay-amex",
      "cardName": "IndusInd Bank ePay Amex Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2023-10",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndusInd Bank ePay Amex launched as a lifetime-free virtual card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-platform-images/banner-images/e-pay-amex-card/E-Pay-American-Express-Credit-Card-Benefit-Guide_18-10-2023.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-epay-amex",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "jupiter-edge",
      "cardName": "Jupiter Edge+ CSB Bank RuPay Credit Card",
      "issuer": "CSB Bank",
      "date": "2023-09-06",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Jupiter & CSB Bank launch the Edge CSB RuPay Credit Card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/jupiter-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-09-01",
      "announced": "2023-07-21",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fee-waiver spend raised to ₹35 lakh for new cardholders",
      "before": "₹25 lakh",
      "after": "₹35 lakh (new; existing moved to ₹35 lakh from Sep-2024 anniversaries)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/rstc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-09-01",
      "announced": "2023-07-21",
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Miles-transfer ratio halved to 5:2 and capped at 5 lakh points",
      "before": "5:4 (5 points = 4 miles)",
      "after": "5:2 (5 points = 2 miles), max 5 lakh points/year",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/rstc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": "axis-2023-09-01-transfer-ratio-cut"
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-09-01",
      "announced": "2023-07-21",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Utilities and government spends stop earning points",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/rstc.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-upi-rupay",
      "cardName": "Kotak UPI RuPay Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2023-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak UPI RuPay virtual card in market",
      "before": null,
      "after": "3 reward points per ₹100, lifetime free, virtual-only",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-upi-rupay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2023-09-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Centurion Lounge access withdrawn",
      "before": "Centurion Lounges at Delhi & Mumbai",
      "after": "No Centurion Lounge access",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-09-01",
      "announced": "2023-07-21",
      "type": "milestone",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "'Great Reset' — monthly 25,000-point milestone axed",
      "before": "25,000 EDGE points on ₹1L/month",
      "after": "Milestone removed",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-card-tnc/terms-and-conditions-for-magnus-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2023-09-01-great-reset-monthly-25-000-point-milestone"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-09-01",
      "announced": "2023-07-21",
      "type": "transfer",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "EDGE transfer ratio cut 5:4 → 5:2",
      "before": "5 points : 4 miles",
      "after": "5 points : 2 miles",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-card-tnc/terms-and-conditions-for-magnus-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2023-09-01-transfer-ratio-cut"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-09-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fee raised to ₹12,500; waiver doubled to ₹25L",
      "before": "₹10,000 fee · ₹15L waiver",
      "after": "₹12,500 fee · ₹25L waiver",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-card-tnc/terms-and-conditions-for-magnus-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2023-09-01-fee-raised-to-12-500-waiver-doubled-to-25l"
    },
    {
      "cardKey": "sbi-aurum",
      "cardName": "SBI Card AURUM",
      "issuer": "SBI Card",
      "date": "2023-08-31",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Amazon Prime & Discovery+ dropped",
      "before": "Amazon Prime + Discovery+",
      "after": "Club Marriott + Mint + WSJ (new joiners)",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-aurum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-marriott-bonvoy",
      "cardName": "Marriott Bonvoy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-08-24",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "India's first co-brand hotel card launches on Diners Club",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-marriott-bonvoy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-08-21",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Insurance & utility spends cut to 1X, barred from 10X",
      "before": "Eligible for accelerated/10X earning",
      "after": "1X only; excluded from 10X program & threshold",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/personal-banking/Important-Communication-Rewards-Wealth",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": "idfc-2023-08-21-insurance-utility-spends-cut-to-1x"
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-08-21",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Insurance & utility spends cut to 1X, barred from 10X",
      "before": "Eligible for accelerated/10X earning",
      "after": "1X only; excluded from 10X program & threshold",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": "idfc-2023-08-21-insurance-utility-spends-cut-to-1x"
    },
    {
      "cardKey": "idfc-first-classic",
      "cardName": "IDFC FIRST Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-08-21",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Insurance & utility spends cut to 1X",
      "before": "Earned at base rate, counted toward 10X",
      "after": "1X only; excluded from 10X earn & threshold",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-classic",
      "noticeId": null,
      "actId": "idfc-2023-08-21-insurance-utility-spends-cut-to-1x"
    },
    {
      "cardKey": "idfc-millennia",
      "cardName": "IDFC FIRST Millennia Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-08-21",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Insurance & utility spends cut to 1X, barred from 10X",
      "before": "Earned at card rate, counted toward 10X threshold",
      "after": "1X only; excluded from 10X earn & threshold",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-millennia",
      "noticeId": null,
      "actId": "idfc-2023-08-21-insurance-utility-spends-cut-to-1x"
    },
    {
      "cardKey": "indusind-avios",
      "cardName": "IndusInd Bank Avios Visa Infinite Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2023-08-17",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndusInd Avios Visa Infinite launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/indusind-corporate/en/about-us/mediabrand/FY/2023-2024/August/IndusInd-Bank-Launches-Multi-Branded-Credit-Card-in-Partnership-with-Qatar-Airways-and-British-Airways.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-avios",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-08-12",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Travel & Myntra cashback cut to 1.5%; categories excluded",
      "before": "5% unlimited on flights/hotels & Myntra",
      "after": "1.5% unlimited",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-flipkart.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-tiger",
      "cardName": "IndusInd Bank Tiger Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2023-08-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndusInd Tiger launched (co-brand with Tiger Fintech)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/about-us/mediabrand/FY/2023-2024/August/IndusInd-Bank-partners-with-TigerFintech-co-brandedcreditcard.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-tiger",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kiwi",
      "cardName": "Kiwi RuPay Credit Card",
      "issuer": "YES Bank",
      "date": "2023-08-02",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Kiwi launches on Axis Bank — RuPay credit-on-UPI card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/axis-bank-partners-with-kiwi-to-bolster-credit-on-upi-accessibility-on-rupay-credit-cards",
      "cardUrl": "https://cardadvisor.in/cards/kiwi",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-08-01",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "SmartBuy daily cap removed",
      "before": "7,500 bonus points/day",
      "after": "Full 15,000/mo earnable any day",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/infinia",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2023-08-01-smartbuy-daily-cap-removed"
    },
    {
      "cardKey": "hdfc-swiggy",
      "cardName": "Swiggy HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-07-26",
      "announced": "2023-07-26",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Swiggy HDFC Bank Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://hdfcbank.com/personal/about-us/news-room/press-release/2023/q3/hdfc-bank-launches-co-branded-credit-card-with-swiggy",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-swiggy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-07-05",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "E-voucher redemption value cut",
      "before": "₹0.25/point",
      "after": "₹0.20/point",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": "au-2023-07-05-e-voucher-redemption-value-cut"
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-07-05",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Flat redemption fee introduced on AU Rewardz",
      "before": "free",
      "after": "₹99+GST per redemption",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-07-05",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption fee introduced; e-voucher point value cut",
      "before": "Free redemption; e-vouchers at ₹0.25/point",
      "after": "₹99+GST fee per redemption; e-vouchers at ₹0.20/point",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": "au-2023-07-05-e-voucher-redemption-value-cut"
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-07-05",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption fee introduced; e-voucher point value cut",
      "before": "Free redemption; e-vouchers at ₹0.25/point",
      "after": "₹99+GST fee per redemption; e-vouchers at ₹0.20/point",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2023-07-05-e-voucher-redemption-value-cut"
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-07-05",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption fee introduced; e-voucher point value cut",
      "before": "Free redemption via AU Rewardz catalogue; e-vouchers at ₹0.25/point",
      "after": "₹99+GST fee per redemption; e-vouchers at ₹0.20/point",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": null,
      "actId": "au-2023-07-05-e-voucher-redemption-value-cut"
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-07-05",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption fee introduced; e-voucher point value cut",
      "before": "Free redemption; e-vouchers at ₹0.25/point",
      "after": "₹99+GST fee per redemption; e-vouchers at ₹0.20/point",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": null,
      "actId": "au-2023-07-05-e-voucher-redemption-value-cut"
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-07-05",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption fee introduced; e-voucher point value cut",
      "before": "Free redemption; e-vouchers at ₹0.25/point",
      "after": "₹99+GST fee per redemption; e-vouchers at ₹0.20/point",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2023-07-05-e-voucher-redemption-value-cut"
    },
    {
      "cardKey": "scapia-federal",
      "cardName": "Scapia Credit Card",
      "issuer": "Federal Bank",
      "date": "2023-06-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Scapia Federal card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.scapia.cards/newsroom/scapia-launches-revolutionary-new-credit-card-for-travel-lovers-in-association-with-federal-bank",
      "cardUrl": "https://cardadvisor.in/cards/scapia-federal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-06-15",
      "announced": "2023-05",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "₹500/month combined cashback cap introduced",
      "before": "5% Google Pay bills unlimited; 4% partners uncapped",
      "after": "5% + 4% share a single ₹500/statement-cycle cap",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/axis-bank-ace-credit-card-tncs.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-06-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Card lounge access limited to domestic terminals",
      "before": "Usable at international-terminal lounges",
      "after": "Domestic terminals only",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-airport-lounge-access-program.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-indianoil",
      "cardName": "IndianOil Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2023-06",
      "announced": null,
      "type": "network",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "RuPay card linked to UPI — earns on scan-and-pay",
      "before": "RuPay card usable at card terminals only",
      "after": "Linkable to UPI apps; QR scan-and-pay earns reward points",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-indianoil",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-shoprite",
      "cardName": "RBL Bank ShopRite Credit Card",
      "issuer": "RBL Bank",
      "date": "2023-05-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ShopRite issued as successor to RBL's discontinued Zomato Edition cards",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-shoprite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-cashback",
      "cardName": "SBI Cashback Credit Card",
      "issuer": "SBI Card",
      "date": "2023-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Complimentary domestic lounge access removed",
      "before": "4 complimentary/year",
      "after": "None",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/tnc-Cashback-Card-Revision.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-cashback",
      "noticeId": null,
      "actId": "sbi-2023-05-01-complimentary-domestic-lounge-access-removed"
    },
    {
      "cardKey": "sbi-cashback",
      "cardName": "SBI Cashback Credit Card",
      "issuer": "SBI Card",
      "date": "2023-05-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "First devaluation — cap halved and categories excluded",
      "before": "₹10,000/cycle cap; few exclusions",
      "after": "₹5,000/cycle cap; rent, fuel, wallet, utility, insurance, jewellery, railways & education excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/tnc-Cashback-Card-Revision.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sbi-cashback",
      "noticeId": null,
      "actId": "sbi-2023-05-01-first-devaluation-cap-halved-and-categories"
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-05-01",
      "announced": null,
      "type": "lounge",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Airport lounge access spend-gated for the first time",
      "before": "No minimum-spend condition",
      "after": "₹5,000 prior-month spend required",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "federal-celesta",
      "cardName": "Federal Bank Celesta Credit Card",
      "issuer": "Federal Bank",
      "date": "2023-04-03",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Celesta becomes Lifetime Free for new applicants",
      "before": "₹3,000 joining + ₹3,000 annual",
      "after": "₹0 — no joining fee, no annual fee",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.federal.bank.in/credit-cards-mitc",
      "cardUrl": "https://cardadvisor.in/cards/federal-celesta",
      "noticeId": null,
      "actId": "federal-2023-04-03-card-becomes-lifetime-free-for-new"
    },
    {
      "cardKey": "federal-imperio",
      "cardName": "Federal Bank Imperio Credit Card",
      "issuer": "Federal Bank",
      "date": "2023-04-03",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Card becomes Lifetime Free for new applicants",
      "before": "₹1,500 joining and ₹1,500 annual fee",
      "after": "₹0 — no joining fee, no membership fee",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.federal.bank.in/visa-imperio-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/federal-imperio",
      "noticeId": null,
      "actId": "federal-2023-04-03-card-becomes-lifetime-free-for-new"
    },
    {
      "cardKey": "federal-signet",
      "cardName": "Federal Bank Signet Credit Card",
      "issuer": "Federal Bank",
      "date": "2023-04-03",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Signet becomes Lifetime Free for new applicants",
      "before": "₹750 joining + ₹750 annual membership fee",
      "after": "₹0 — no joining fee, no annual fee",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/federal-signet",
      "noticeId": null,
      "actId": "federal-2023-04-03-card-becomes-lifetime-free-for-new"
    },
    {
      "cardKey": "sc-manhattan-platinum",
      "cardName": "Standard Chartered Manhattan Platinum Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee on rent payments",
      "before": "No processing fee on rent payments",
      "after": "1% processing fee on rent payments",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-manhattan-platinum",
      "noticeId": null,
      "actId": "sc-2023-04-02-1-fee-on-rent-payments"
    },
    {
      "cardKey": "sc-super-value-titanium",
      "cardName": "Standard Chartered Super Value Titanium Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% processing fee added on rent payments",
      "before": "No fee",
      "after": "1% processing fee",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-super-value-titanium",
      "noticeId": null,
      "actId": "sc-2023-04-02-1-fee-on-rent-payments"
    },
    {
      "cardKey": "sc-rewards",
      "cardName": "Standard Chartered Rewards Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% processing fee on rent payments",
      "before": "No processing fee on rent payments",
      "after": "1% fee on the rent transaction amount",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-rewards",
      "noticeId": null,
      "actId": "sc-2023-04-02-1-fee-on-rent-payments"
    },
    {
      "cardKey": "sc-platinum-rewards",
      "cardName": "Standard Chartered Platinum Rewards Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% processing fee on rent payments",
      "before": "No processing fee on rent paid via the card",
      "after": "1% fee on every rental transaction",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-platinum-rewards",
      "noticeId": null,
      "actId": "sc-2023-04-02-1-fee-on-rent-payments"
    },
    {
      "cardKey": "sc-easemytrip",
      "cardName": "Standard Chartered EaseMyTrip Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% processing fee on rent payments",
      "before": "No fee on rent payments",
      "after": "1% fee on all rental transactions",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-easemytrip",
      "noticeId": null,
      "actId": "sc-2023-04-02-1-fee-on-rent-payments"
    },
    {
      "cardKey": "sc-priority-visa-infinite",
      "cardName": "Standard Chartered Priority Visa Infinite Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% processing fee on rent payments",
      "before": "No processing fee on rent payments",
      "after": "1% processing fee on all rent/rental payments",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-priority-visa-infinite",
      "noticeId": null,
      "actId": "sc-2023-04-02-1-fee-on-rent-payments"
    },
    {
      "cardKey": "sc-digismart",
      "cardName": "Standard Chartered DigiSmart Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% fee added on rent payments",
      "before": "No rent-payment fee",
      "after": "1% of the rent transaction",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-digismart",
      "noticeId": null,
      "actId": "sc-2023-04-02-1-fee-on-rent-payments"
    },
    {
      "cardKey": "sc-ultimate",
      "cardName": "Standard Chartered Ultimate Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": "2023-03-03",
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "1% processing fee added on rent payments",
      "before": "No processing fee on rent",
      "after": "1% + taxes per rental transaction",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.com/in/credit-cards/rentalpaymentsfaqs/",
      "cardUrl": "https://cardadvisor.in/cards/sc-ultimate",
      "noticeId": null,
      "actId": "sc-2023-04-02-1-fee-on-rent-payments"
    },
    {
      "cardKey": "sc-ultimate",
      "cardName": "Standard Chartered Ultimate Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-04-02",
      "announced": "2023-03-03",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Earn rate cut on 6 categories; fuel points removed",
      "before": "5 RP (~3.3%) all categories; fuel earned points",
      "after": "3 RP (~2%) on utilities/insurance/etc.; fuel 0 RP",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/credit-cards/ultimatecreditcardfaqs/",
      "cardUrl": "https://cardadvisor.in/cards/sc-ultimate",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-upi-rupay",
      "cardName": "HDFC Bank UPI RuPay Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-04",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "HDFC Bank UPI RuPay Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit+Card/Credit+Card+Landing+Page/Credit+Cards/HDFC+Bank+UPI+RuPay+Credit+Card/Terms-and-Conditions-HDFC-Bank-UPI-RuPay-Credit-Card-03042023.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-upi-rupay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-cashback",
      "cardName": "SBI Cashback Credit Card",
      "issuer": "SBI Card",
      "date": "2023-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "First-year-free promo withdrawn — ₹999 joining fee reinstated",
      "before": "Effectively first-year-free",
      "after": "₹999 + GST joining fee",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://web.archive.org/web/20230813171030/https://www.sbicard.com/en/personal/credit-cards/rewards/cashback-sbi-card.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-cashback",
      "noticeId": null,
      "actId": "sbi-2023-04-01-first-year-free-promo-withdrawn-999-joining"
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "EMI processing fee added on PG/POS EMI conversions",
      "before": null,
      "after": "₹199+GST",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Finance charge raised to 3.59%/month",
      "before": null,
      "after": "3.59%/month (43.08% p.a.)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced",
      "before": null,
      "after": "1% (min ₹99+GST) from the 2nd rent transaction in a month; 1st is free",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "APR raised to 3.59%/mo; rent and EMI processing fees added",
      "before": "No rent/EMI processing fee",
      "after": "1% rent fee (min ₹99+GST) from 2nd txn/mo; ₹199+GST EMI processing fee; APR 3.59%/mo",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2023-04-01-rent-fee-added-apr-raised-to-3-59-mo"
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "APR raised to 3.59%/mo; rent and EMI processing fees added",
      "before": "No rent/EMI processing fee",
      "after": "1% rent fee (min ₹99+GST) from 2nd txn/mo; ₹199+GST EMI processing fee; APR 3.59%/mo",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/credit-card-rent-transaction-rule.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": null,
      "actId": "au-2023-04-01-rent-fee-added-apr-raised-to-3-59-mo"
    },
    {
      "cardKey": "au-altura",
      "cardName": "AU Altura Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent fee added; APR raised to 3.59%/mo",
      "before": "No rent processing fee",
      "after": "1% rent fee (min ₹99+GST); APR 3.59%/mo",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/credit-card-rent-transaction-rule.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-altura",
      "noticeId": null,
      "actId": "au-2023-04-01-rent-fee-added-apr-raised-to-3-59-mo"
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-04-01",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "APR raised to 3.59%/mo; rent and EMI processing fees added",
      "before": "No rent/EMI processing fee",
      "after": "1% rent fee (min ₹99+GST) from 2nd txn/mo; ₹199+GST EMI processing fee; APR 3.59%/mo",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/pdf/credit-card/credit-card-rent-transaction-rule.pdf",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": "au-2023-04-01-rent-fee-added-apr-raised-to-3-59-mo"
    },
    {
      "cardKey": "idfc-power",
      "cardName": "IDFC FIRST Power Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-03-31",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "FIRST Power launched with HPCL on RuPay",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-power",
      "noticeId": null,
      "actId": "idfc-2023-03-31-first-power-launched-with-hpcl-on-rupay"
    },
    {
      "cardKey": "idfc-hpcl-power",
      "cardName": "IDFC FIRST HPCL Power+ Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2023-03-31",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "FIRST Power+ launched with HPCL on RuPay",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/idfc-hpcl-power",
      "noticeId": null,
      "actId": "idfc-2023-03-31-first-power-launched-with-hpcl-on-rupay"
    },
    {
      "cardKey": "hdfc-regalia-gold",
      "cardName": "HDFC Regalia Gold Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-03-23",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "HDFC Regalia Gold launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/personal/about-us/news-room/press-release/2023/q1/hdfc-bank-launches-regalia-gold-credit-card-draft-v3-final",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-regalia-gold",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2023-03-17",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee doubled",
      "before": "Rs.99 + GST per rent transaction",
      "after": "Rs.199 + GST per rent transaction",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-indianoil",
      "cardName": "IndianOil Kotak Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2023-03-10",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "IndianOil Kotak co-branded fuel card launched on RuPay",
      "before": null,
      "after": "4% back at IndianOil (cap ₹300/mo), 2% dining, grocery & other payments (cap ₹200/mo)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.kotak.bank.in/content/dam/Kotak/about-us/media-press-releases/2023/IOCL.pdf",
      "cardUrl": "https://cardadvisor.in/cards/kotak-indianoil",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2023-03-05",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent surcharge and DCC markup introduced; fee-waiver spend base narrowed",
      "before": "No rent surcharge; no DCC markup fee; rent and wallet-load spends counted toward the ₹50,000 fee-waiver threshold",
      "after": "1% rent surcharge (capped ₹1,500/txn); 1% DCC markup on INR-billed international spends; rent and wallet-load spends excluded from the fee-waiver spend count",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/revision-of-axis-bank-credit-card-terms-and-conditions.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-irctc",
      "cardName": "IRCTC HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-03-01",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": null,
      "status": "active",
      "title": "IRCTC HDFC Bank Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/press-release/2023/q1/irctc-partners-with-hdfc-bank-to-launch-indias-most-rewarding-co-branded-travel-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-irctc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-02-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped at 50,000 RP/month",
      "before": "Effectively uncapped",
      "after": "50,000 RP/month",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": "hdfc-2023-02-01-statement-credit-redemption-capped"
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2023-02-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped",
      "after": "50,000 RP/mo",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/diners-club-black-metal-edition-credit-card/redemption-value.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": null,
      "actId": "hdfc-2023-02-01-statement-credit-redemption-capped"
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-02-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Statement-credit redemption capped",
      "before": "Uncapped",
      "after": "50,000 RP/mo",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "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",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2023-02-01-statement-credit-redemption-capped"
    },
    {
      "cardKey": "au-xcite",
      "cardName": "AU Bank Xcite Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-01-30",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Xcite launches on the new SwipeUp upgrade platform",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite",
      "noticeId": null,
      "actId": "au-2023-01-30-xcite-family-swipeup-launch"
    },
    {
      "cardKey": "au-xcite-ultra",
      "cardName": "AU Xcite Ultra Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-01-30",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Xcite Ultra launched via the SwipeUp platform",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ultra",
      "noticeId": null,
      "actId": "au-2023-01-30-xcite-family-swipeup-launch"
    },
    {
      "cardKey": "au-xcite-ace",
      "cardName": "AU Xcite Ace Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023-01-30",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Xcite Ace launches on the SwipeUp platform",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-xcite-ace",
      "noticeId": null,
      "actId": "au-2023-01-30-xcite-family-swipeup-launch"
    },
    {
      "cardKey": "sbi-simply-click",
      "cardName": "SBI SimplyCLICK Credit Card",
      "issuer": "SBI Card",
      "date": "2023-01-06",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Milestone e-vouchers restricted to a single transaction",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-click",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2023-01-03",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment earning capped at 500 points/cycle",
      "before": "Rent earned at the standard rate, uncapped",
      "after": "Max 500 RP per statement cycle",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "January 2023 earn caps & category exclusions introduced",
      "before": "Uncapped base earning",
      "after": "Grocery capped 2,000 RP/month; rent (3rd-party) & government excluded",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-earn-caps-exclusions"
    },
    {
      "cardKey": "hdfc-upi-rupay",
      "cardName": "HDFC Bank UPI RuPay Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Joining/annual fee cut from ₹250 to ₹99",
      "before": "₹250 + GST",
      "after": "₹99 + GST",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-upi-rupay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "January 2023 earn caps & category exclusions introduced",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-earn-caps-exclusions"
    },
    {
      "cardKey": "rbl-tvs-credit",
      "cardName": "RBL Bank TVS Credit Card",
      "issuer": "RBL Bank",
      "date": "2023",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "TVS Credit RBL Bank Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-tvs-credit",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-cookies",
      "cardName": "RBL Bank Cookies Credit Card",
      "issuer": "RBL Bank",
      "date": "2023",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL Cookies launched as successor to Monthly Treats",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-cookies",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-paisabazaar-duet-plus",
      "cardName": "RBL Bank Paisabazaar Duet Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2023",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Duet Plus launched as the paid cashback tier of the Paisabazaar Duet family",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-paisabazaar-duet-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Category earning caps and exclusions introduced",
      "before": "Broad base earning at 1.5%",
      "after": "Grocery capped 2,000 NeuCoins/mo; fuel, wallet, rent (3rd-party) and government excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "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",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-earn-caps-exclusions"
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": "2022-12-02",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "January 2023 earn-and-burn caps introduced",
      "before": "Grocery uncapped; rent/govt earned; redemption uncapped",
      "after": "Grocery 1,000 pts/mo; rent & govt excluded; redemption capped",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/moneyback-plus-credit-card/pdf/MBPlus-TnCs.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-earn-caps-exclusions"
    },
    {
      "cardKey": "icici-emeralde-private",
      "cardName": "ICICI Bank Emeralde Private Metal Credit Card",
      "issuer": "ICICI Bank",
      "date": "2023",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICICI Emeralde Private Metal launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icicibank.com/personal-banking/cards/credit-card/emeralde-private-metal-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-smartearn",
      "cardName": "American Express SmartEarn Credit Card",
      "issuer": "American Express",
      "date": "2023",
      "announced": null,
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "10X roster expands to Zomato, EaseMyTrip and lifestyle brands",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/smart-earn-credit-card/index.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-smartearn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-smartearn",
      "cardName": "American Express SmartEarn Credit Card",
      "issuer": "American Express",
      "date": "2023",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Amazon earn rate cut from 10X to 5X",
      "before": "10X MR",
      "after": "5X MR",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/credit-cards/smart-earn-credit-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-smartearn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Category earning caps & exclusions introduced",
      "before": "Uncapped base earning",
      "after": "Grocery 2,000 RP/mo; rent, wallet & government/education excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit+Card/Credit+Card+Landing+Page/Credit+Cards/Super+Premium/Diners+Club+Black+Metal+Edition/Rewards-TnC-Diners-Black-Metal.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-earn-caps-exclusions"
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy travel redemption capped",
      "before": "Effectively uncapped",
      "after": "75,000 RP/mo",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/v2/diners_black_metal/home",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-smartbuy-travel-redemption-capped"
    },
    {
      "cardKey": "sc-rewards",
      "cardName": "Standard Chartered Rewards Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023-01",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": null,
      "status": "active",
      "title": "Rewards Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-rewards",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-premier",
      "cardName": "HSBC Premier World Mastercard",
      "issuer": "HSBC",
      "date": "2023",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "HSBC Premier relaunched as a metal Mastercard World card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hsbc-premier",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-tvs-credit-gold",
      "cardName": "RBL Bank TVS Gold Credit Card",
      "issuer": "RBL Bank",
      "date": "2023",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "TVS Gold launched as the mid-tier TVS co-brand",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-tvs-credit-gold",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-instapay",
      "cardName": "AU InstaPay Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2023",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU InstaPay launches as a virtual, instant-issuance UPI cashback card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/personal-banking/credit-cards/instapay-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/au-instapay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2023",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Rebranded and repositioned as YES Bank RESERV",
      "before": "Super-premium, ₹10,000 fee",
      "after": "Mid-premium RESERV, ₹2,499 fee",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-icsi-diamond",
      "cardName": "ICSI Diamond BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2023-01",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICSI Diamond BOBCARD launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-icsi-diamond",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-ultimate",
      "cardName": "Standard Chartered Ultimate Credit Card",
      "issuer": "Standard Chartered",
      "date": "2023",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "360° Rewards voucher catalogue contracted",
      "before": "Wide voucher range (MakeMyTrip, Croma, Tanishq, gold, etc.)",
      "after": "Sharply reduced options",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-ultimate",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-simply-click",
      "cardName": "SBI SimplyCLICK Credit Card",
      "issuer": "SBI Card",
      "date": "2023-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Amazon dropped from 10X to 5X",
      "before": "10X",
      "after": "5X",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-click",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": "2022-12-02",
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "January 2023 earn-and-burn caps introduced",
      "before": "Grocery earned freely; statement-credit redemption uncapped",
      "after": "Grocery 1,000 pts/mo; rent & government excluded; 3,000 CashPoints/mo statement-credit cap",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/5d94cc09-80b7-4073-8c9f-22fad88054f0",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-earn-caps-exclusions"
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Grocery cap and category exclusions introduced",
      "before": "Broad base earning at 1% (grocery uncapped)",
      "after": "Grocery capped 1,000 NeuCoins/mo; fuel, wallet loads, rent, government & smart-EMI excluded",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-earn-caps-exclusions"
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Category earning caps introduced",
      "before": "Unlimited base earning",
      "after": "Grocery 2,000 RP/mo; rent, wallet & government excluded",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/infinia/rewards",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-earn-caps-exclusions"
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2023-01-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy travel & Tanishq redemption capped",
      "before": "Effectively uncapped",
      "after": "150,000 RP/mo travel; 50,000 RP/mo Tanishq",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/infinia",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": "hdfc-2023-01-01-smartbuy-travel-redemption-capped"
    },
    {
      "cardKey": "rbl-paisabazaar-duet",
      "cardName": "RBL Bank Paisabazaar Duet Credit Card",
      "issuer": "RBL Bank",
      "date": "2022-12-08",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rebranded and relaunched as the Paisabazaar Duet",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-paisabazaar-duet",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-flipkart-super-elite",
      "cardName": "Flipkart Axis Bank Super Elite Credit Card",
      "issuer": "Axis Bank",
      "date": "2022-11-22",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Flipkart Axis Bank Super Elite Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/axis-bank-and-flipkart-partner-to-launch-flipkart-axis-bank-super-elite-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart-super-elite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-doctors",
      "cardName": "Doctor's SBI Card",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced (₹99, later ₹199)",
      "before": "No rent-payment processing fee",
      "after": "₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "sbi-shaurya-select",
      "cardName": "Shaurya Select SBI Card",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced (₹99, later ₹199)",
      "before": "No rent-payment processing fee",
      "after": "₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya-select",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced (₹99, later ₹199)",
      "before": "No rent-payment processing fee",
      "after": "₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced",
      "before": "No processing fee on rent",
      "after": "Rs.99 + GST per rent transaction",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "sbi-doctors-ima",
      "cardName": "Doctor's SBI Card (in Association with IMA)",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced (₹99, later ₹199)",
      "before": "No rent-payment processing fee",
      "after": "₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors-ima",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "sbi-unnati",
      "cardName": "SBI Card Unnati",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced (₹99, later ₹199)",
      "before": "No rent-payment processing fee",
      "after": "₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-unnati",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "sbi-shaurya",
      "cardName": "Shaurya SBI Card",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced (₹99, later ₹199)",
      "before": "No rent-payment processing fee",
      "after": "₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2022-11-15",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Base earn rate halved to 2 RP per ₹100",
      "before": "4 RP per ₹100",
      "after": "2 RP per ₹100",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2022-11-15",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Reward point redemption value cut to ₹0.20",
      "before": "₹0.25 per point",
      "after": "₹0.20 per point",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced (₹99, later ₹199)",
      "before": "No rent-payment processing fee",
      "after": "₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "sbi-elite",
      "cardName": "SBI Card ELITE",
      "issuer": "SBI Card",
      "date": "2022-11-15",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Rent-payment processing fee introduced (₹99, later ₹199)",
      "before": "No rent-payment processing fee",
      "after": "₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-elite",
      "noticeId": null,
      "actId": "sbi-2022-11-15-rent-payment-processing-fee-introduced"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2022-10-01",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "BookMyShow movie offer discontinued",
      "before": "BookMyShow offer available on Platinum",
      "after": "Withdrawn",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-visa-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-classic",
      "cardName": "IDFC FIRST Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2022-10-01",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Redemption fee of ₹99 introduced",
      "before": "No redemption fee",
      "after": "₹99 + GST per redemption",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-classic",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-private",
      "cardName": "IDFC FIRST Private Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2022-09-30",
      "announced": "2022-09-30",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST Private launched (invite-only super-premium)",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-samsung-signature",
      "cardName": "Samsung Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2022-09-26",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Samsung Axis Bank Signature Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/samsung-india-axis-bank-launch-co-branded-credit-card-powered-by-visa-now-get-10-cashback-on-samsung-products-services",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-signature",
      "noticeId": null,
      "actId": "axis-2022-09-26-samsung-axis-bank-infinite-launched"
    },
    {
      "cardKey": "axis-samsung-infinite",
      "cardName": "Samsung Axis Bank Infinite Credit Card",
      "issuer": "Axis Bank",
      "date": "2022-09-26",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Samsung Axis Bank Infinite launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://news.samsung.com/in/samsung-india-axis-bank-launch-co-branded-credit-card-powered-by-visa-now-get-10-cashback-on-samsung-products-services",
      "cardUrl": "https://cardadvisor.in/cards/axis-samsung-infinite",
      "noticeId": null,
      "actId": "axis-2022-09-26-samsung-axis-bank-infinite-launched"
    },
    {
      "cardKey": "bob-snapdeal",
      "cardName": "Snapdeal BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2022-09-02",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Snapdeal BOBCARD launches on RuPay (JCB contactless)",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-snapdeal",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-play",
      "cardName": "RBL Bank Play Credit Card",
      "issuer": "RBL Bank",
      "date": "2022-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL Play launched with BookMyShow as an entertainment card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/PRESS_COVERAGE_FILE_DIR_PATH/press-release-rbl-bank-bms-play-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-play",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-bankbazaar-savemax-pro",
      "cardName": "RBL Bank BankBazaar SaveMax Pro Credit Card",
      "issuer": "RBL Bank",
      "date": "2022-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL BankBazaar SaveMax Pro launched as the paid accelerated tier",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://webassets.rbl.bank.in/document/pdfs/terms-bankbazaar-savemax-pro-sept-22.pdf",
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax-pro",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-tata-neu-infinity",
      "cardName": "Tata Neu Infinity HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2022-08-24",
      "announced": "2022-08-24",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Tata Neu Infinity HDFC card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/press-release/2022/q3/tata-neu-and-hdfc-bank-partner-to-create-one-of-indias-most-rewarding-co-branded-credit-cards",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-infinity",
      "noticeId": null,
      "actId": "hdfc-2022-08-24-tata-neu-plus-hdfc-card-launched"
    },
    {
      "cardKey": "hdfc-tata-neu-plus",
      "cardName": "Tata Neu Plus HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2022-08-24",
      "announced": "2022-08-24",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Tata Neu Plus HDFC card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/press-release/2022/q3/tata-neu-and-hdfc-bank-partner-to-create-one-of-indias-most-rewarding-co-branded-credit-cards",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-tata-neu-plus",
      "noticeId": null,
      "actId": "hdfc-2022-08-24-tata-neu-plus-hdfc-card-launched"
    },
    {
      "cardKey": "indusind-eazydiner",
      "cardName": "IndusInd Bank EazyDiner Signature Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2022-07-21",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndusInd Bank & EazyDiner launch the co-branded EazyDiner Credit Card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-eazydiner",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-easemytrip",
      "cardName": "Standard Chartered EaseMyTrip Credit Card",
      "issuer": "Standard Chartered",
      "date": "2022-07-19",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Standard Chartered EaseMyTrip card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-easemytrip",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-aurum",
      "cardName": "SBI Card AURUM",
      "issuer": "SBI Card",
      "date": "2022-07-02",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Zomato Pro membership withdrawn",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-aurum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-lit",
      "cardName": "AU LIT Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2022-06-22",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU LIT launches as India's first customisable credit card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.au.bank.in/blogs/indias-first-customisable-and-lifetime-free-credit-card-lit-by-au-bank",
      "cardUrl": "https://cardadvisor.in/cards/au-lit",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "slice",
      "cardName": "slice UPI Credit Card",
      "issuer": "slice",
      "date": "2022-06-20",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "RBI PPI circular ends the credit-on-prepaid model",
      "before": "Credit line loaded onto a prepaid card",
      "after": "Term-loan \"Purchase Power\" + prepaid account",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/slice",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-first-classic",
      "cardName": "IDFC FIRST Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2022-05-17",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Reward accrual diluted ₹100→₹150 per point",
      "before": "1 reward point per ₹100 spent",
      "after": "1 reward point per ₹150 spent",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-classic",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-spicejet-voyage",
      "cardName": "SpiceJet Axis Bank Voyage Credit Card",
      "issuer": "Axis Bank",
      "date": "2022-05-12",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Bank and SpiceJet launch the co-branded Voyage credit card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/spicejet-and-axis-bank-launch-co-branded-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-hpcl-energie",
      "cardName": "HPCL ENERGIE BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2022-05",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "HPCL Bank of Baroda ENERGIE fuel co-brand launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-hpcl-energie",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2022-04-15",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Cash-credit point value cut from ₹1.00 to ₹0.75",
      "before": "1 RP = ₹1.00",
      "after": "1 RP = ₹0.75",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/microsites/celesta/celesta-rewards.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rewards move from PAYBACK to ICICI Bank Rewards",
      "before": "PAYBACK points",
      "after": "ICICI Bank Reward Points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards/rewards-points",
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": "icici-2022-04-01-rewards-move-from-payback-to-icici-bank"
    },
    {
      "cardKey": "icici-platinum",
      "cardName": "ICICI Bank Platinum Chip Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rewards move from PAYBACK to ICICI Bank Rewards",
      "before": "PAYBACK points",
      "after": "ICICI Bank Reward Points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards/rewards-points",
      "cardUrl": "https://cardadvisor.in/cards/icici-platinum",
      "noticeId": null,
      "actId": "icici-2022-04-01-rewards-move-from-payback-to-icici-bank"
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2022-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rewards move from PAYBACK to ICICI Bank Rewards",
      "before": "PAYBACK points",
      "after": "ICICI Bank Reward Points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards/rewards-points",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": "icici-2022-04-01-rewards-move-from-payback-to-icici-bank"
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rewards move from PAYBACK to ICICI Bank Rewards",
      "before": "PAYBACK points",
      "after": "ICICI Bank Reward Points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards/rewards-points",
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": "icici-2022-04-01-rewards-move-from-payback-to-icici-bank"
    },
    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rewards move from PAYBACK to ICICI Bank Rewards",
      "before": "PAYBACK points",
      "after": "ICICI Bank Reward Points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards/rewards-points",
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
      "noticeId": null,
      "actId": "icici-2022-04-01-rewards-move-from-payback-to-icici-bank"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rewards move from PAYBACK to ICICI Bank Rewards",
      "before": "PAYBACK points",
      "after": "ICICI Bank Reward Points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards/rewards-points",
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2022-04-01-rewards-move-from-payback-to-icici-bank"
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-04-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Rewards move from PAYBACK to ICICI Bank Rewards",
      "before": "PAYBACK points",
      "after": "ICICI Bank Reward Points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards/rewards-points",
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2022-04-01-rewards-move-from-payback-to-icici-bank"
    },
    {
      "cardKey": "hdfc-shoppers-stop",
      "cardName": "Shoppers Stop HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2022-03-30",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "superseded",
      "title": "HDFC Bank & Shoppers Stop launch the co-branded credit card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-shoppers-stop",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-emirates-rubyx",
      "cardName": "Emirates Skywards ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-03-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Emirates Skywards ICICI Bank Rubyx Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-rubyx",
      "noticeId": null,
      "actId": "icici-2022-03-15-emirates-skywards-icici-bank-emeralde"
    },
    {
      "cardKey": "icici-emirates-emeralde",
      "cardName": "Emirates Skywards ICICI Bank Emeralde Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-03-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Emirates Skywards ICICI Bank Emeralde launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2022/news-icici-bank-launches-cobranded-credit-cards-with-emirates-skywards",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-emeralde",
      "noticeId": null,
      "actId": "icici-2022-03-15-emirates-skywards-icici-bank-emeralde"
    },
    {
      "cardKey": "icici-emirates-sapphiro",
      "cardName": "Emirates Skywards ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022-03-15",
      "announced": "2022-03-15",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Emirates Skywards ICICI Bank Sapphiro launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2022/news-icici-bank-launches-cobranded-credit-cards-with-emirates-skywards",
      "cardUrl": "https://cardadvisor.in/cards/icici-emirates-sapphiro",
      "noticeId": null,
      "actId": "icici-2022-03-15-emirates-skywards-icici-bank-emeralde"
    },
    {
      "cardKey": "axis-airtel",
      "cardName": "Axis Bank Airtel Credit Card",
      "issuer": "Axis Bank",
      "date": "2022-03-07",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Airtel & Axis Bank launch the Airtel Axis Bank Credit Card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-airtel",
      "noticeId": null,
      "actId": "axis-2022-03-07-airtel-axis-bank-launch-the-airtel-axis"
    },
    {
      "cardKey": "bob-irctc",
      "cardName": "IRCTC BOBCARD RuPay Credit Card",
      "issuer": "BOBCARD",
      "date": "2022-02-21",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "IRCTC BOBCARD RuPay contactless credit card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-irctc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2022-02-01",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "SmartBuy accelerated earning restructured (cashback → points)",
      "before": "Cashback model (up to ₹2,000/month); 10X on flights/bus/trains",
      "after": "Points model; 5X on flights/bus/trains, 10X retained on hotels/partners; 4,000 RP/mo cap",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2022-02-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy accelerated earning cut (10X removed on flights/bus)",
      "before": "10X on SmartBuy flights, bus & partner brands",
      "after": "5X on flights/bus; 10X retained only on hotels + select brands",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/v2/diners_black_metal/home",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2022-02",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "superseded",
      "title": "Joining and annual fee cut from ₹1,199 to ₹399",
      "before": "₹1,199 + GST",
      "after": "₹399 + GST",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": "yes-2022-02-joining-and-annual-fee-cut-499-to-399"
    },
    {
      "cardKey": "yes-ace",
      "cardName": "YES Bank Ace Credit Card",
      "issuer": "YES Bank",
      "date": "2022-02",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": "superseded",
      "title": "Joining and annual fee cut ₹499 to ₹399",
      "before": "₹499 + GST",
      "after": "₹399 + GST",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-ace",
      "noticeId": null,
      "actId": "yes-2022-02-joining-and-annual-fee-cut-499-to-399"
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2022-02-01",
      "announced": "2022-01-27",
      "type": "milestone",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Monthly ₹1L milestone added — 25,000 bonus points",
      "before": "No monthly milestone",
      "after": "25,000 EDGE points on ₹1L/month",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-magnus-credit-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2022-02-01-monthly-1l-milestone-added-25-000-bonus"
    },
    {
      "cardKey": "sc-smart",
      "cardName": "Standard Chartered Smart Credit Card",
      "issuer": "Standard Chartered",
      "date": "2022-01-24",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SC Smart launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.bank.in/stories/cc-launch-smart-credit-card/",
      "cardUrl": "https://cardadvisor.in/cards/sc-smart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-blockbuster",
      "cardName": "RBL Bank Blockbuster Credit Card",
      "issuer": "RBL Bank",
      "date": "2022",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Blockbuster launched as a BookMyShow movie-and-lifestyle card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-blockbuster",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-bankbazaar-savemax",
      "cardName": "RBL Bank BankBazaar SaveMax Credit Card",
      "issuer": "RBL Bank",
      "date": "2022-01",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "BankBazaar SaveMax launched as a lifetime-free grocery card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-bankbazaar-savemax",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-atlas",
      "cardName": "Axis Bank Atlas Credit Card",
      "issuer": "Axis Bank",
      "date": "2022",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Atlas launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/retail/cards/credit-card/axis-bank-atlas-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-atlas",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-wow",
      "cardName": "IDFC FIRST WOW! Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2022",
      "announced": "2022-06-15",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST WOW launches as an FD-backed, lifetime-free secured card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirst.bank.in/credit-card/wow",
      "cardUrl": "https://cardadvisor.in/cards/idfc-wow",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-white",
      "cardName": "Kotak White Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2022",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak White in market — the mainstream White Pass card",
      "before": null,
      "after": "White Pass milestone value from ₹2 lakh spend, up to ₹27,000 a year",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-white",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-spicejet-voyage-black",
      "cardName": "SpiceJet Axis Bank Voyage Black Credit Card",
      "issuer": "Axis Bank",
      "date": "2022",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SpiceJet Axis Bank Voyage Black launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/spicejet-and-axis-bank-launch-co-branded-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-spicejet-voyage-black",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2022",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Cash-credit point value cut from ₹1.00 to ₹0.75",
      "before": "1 RP = ₹1.00",
      "after": "1 RP = ₹0.75",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-prime",
      "cardName": "BOBCARD Prime Credit Card",
      "issuer": "BOBCARD",
      "date": "2022",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": null,
      "status": "active",
      "title": "BOBCARD Prime launched as a secured RuPay credit builder",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-hpcl-super-saver",
      "cardName": "ICICI HPCL Super Saver Credit Card",
      "issuer": "ICICI Bank",
      "date": "2022",
      "announced": "2022-08-01",
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Reward currency migrates from PAYBACK to ICICI Bank Rewards",
      "before": "PAYBACK points",
      "after": "ICICI Bank Reward Points",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/personal-banking/cards/credit-card/credit-card-services/rewards/faqs",
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-super-saver",
      "noticeId": null,
      "actId": "icici-2022-reward-currency-migrates-from-payback-to"
    },
    {
      "cardKey": "kotak-white-reserve",
      "cardName": "Kotak White Reserve Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2022",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Kotak launches the White Reserve, its metal super-premium flagship",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-white-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-pulse",
      "cardName": "SBI Card PULSE",
      "issuer": "SBI Card",
      "date": "2021-12-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SBI Card PULSE launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-pulse",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-easy",
      "cardName": "BOBCARD Easy Credit Card",
      "issuer": "BOBCARD",
      "date": "2021-11-29",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": null,
      "status": "active",
      "title": "Launched on RuPay network (UPI-linkable)",
      "before": "Issued on Visa/Mastercard only",
      "after": "RuPay variant added — linkable to UPI apps",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-easy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "onecard",
      "cardName": "OneCard Credit Card",
      "issuer": "BOBCARD",
      "date": "2021-11-24",
      "announced": null,
      "type": "benefit",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "BOB Financial joins as an issuing partner",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/onecard",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2021-10-18",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Metal Edition relaunch — fee and waiver raised",
      "before": "₹10,000 fee · ₹8L waiver (PVC)",
      "after": "₹12,500 fee · ₹10L waiver (Metal)",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/personal/pay/cards/credit-cards/infinia-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "federal-signet",
      "cardName": "Federal Bank Signet Credit Card",
      "issuer": "Federal Bank",
      "date": "2021-09-27",
      "announced": null,
      "type": "network",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "RuPay rail added — Signet becomes a three-network card",
      "before": "Visa (and Mastercard) only",
      "after": "Visa, Mastercard and RuPay — the RuPay variant is UPI-linkable",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/federal-signet",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "federal-celesta",
      "cardName": "Federal Bank Celesta Credit Card",
      "issuer": "Federal Bank",
      "date": "2021-09-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Federal Bank launches the Visa Celesta credit card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/federal-celesta",
      "noticeId": null,
      "actId": "federal-2021-09-03-own-brand-range-launch"
    },
    {
      "cardKey": "federal-imperio",
      "cardName": "Federal Bank Imperio Credit Card",
      "issuer": "Federal Bank",
      "date": "2021-09-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Federal Bank launches the Imperio, its own-brand Visa card",
      "before": null,
      "after": "1 Reward Point per ₹150; joining + annual fee ₹1,500",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/federal-imperio",
      "noticeId": null,
      "actId": "federal-2021-09-03-own-brand-range-launch"
    },
    {
      "cardKey": "federal-signet",
      "cardName": "Federal Bank Signet Credit Card",
      "issuer": "Federal Bank",
      "date": "2021-09-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Federal Bank launches the Signet as part of its first own-brand card range",
      "before": null,
      "after": "Signet launched on Visa as Federal Bank's entry-tier own-brand card",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/federal-signet",
      "noticeId": null,
      "actId": "federal-2021-09-03-own-brand-range-launch"
    },
    {
      "cardKey": "rbl-paisabazaar-duet",
      "cardName": "RBL Bank Paisabazaar Duet Credit Card",
      "issuer": "RBL Bank",
      "date": "2021-09-01",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Annual fee removed — card becomes effectively lifetime-free",
      "before": "₹500 + tax",
      "after": "₹0 (nil) for new issuances",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-paisabazaar-duet",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-hpcl-super-saver",
      "cardName": "ICICI HPCL Super Saver Credit Card",
      "issuer": "ICICI Bank",
      "date": "2021-07-20",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "ICICI Bank and HPCL launch the HPCL Super Saver co-brand card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2021/news-icici-bank-and-hpcl-launch-icici-bank-hpcl-super-saver-cobranded-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-super-saver",
      "noticeId": null,
      "actId": "icici-2021-07-20-icici-bank-and-hpcl-launch-the-hpcl-super"
    },
    {
      "cardKey": "amex-smartearn",
      "cardName": "American Express SmartEarn Credit Card",
      "issuer": "American Express",
      "date": "2021-07-01",
      "announced": "2021-06-26",
      "type": "reward",
      "direction": "revaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Amazon moves to 10X, Paytm Wallet joins 5X",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/benefits/smart-earn-credit-card/shopping.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-smartearn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-vetta",
      "cardName": "AU Bank Vetta Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2021-05",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Vetta launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-vetta",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2021-02-22",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Birthday bonus reward points capped",
      "before": "Uncapped 20 RP per ₹100 on birthday spends",
      "after": "Birthday bonus capped at 2,000 RP per year",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-aurum",
      "cardName": "SBI Card AURUM",
      "issuer": "SBI Card",
      "date": "2021-02-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AURUM launched as SBI's super-premium metal card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-aurum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2021-01-22",
      "announced": null,
      "type": "milestone",
      "direction": "neutral",
      "magnitude": "major",
      "status": "superseded",
      "title": "Milestone rewards switched from travel vouchers to Bonus MR points",
      "before": "American Express Travel Online vouchers",
      "after": "Bonus Membership Rewards points",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/content/dam/amex/in/benefits/Platinum_Travel_Change.pdf",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-centurion",
      "cardName": "American Express Centurion Card",
      "issuer": "American Express",
      "date": "2021-01-19",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Joining fee raised to ₹7 lakh, annual to ₹2.75 lakh",
      "before": "₹2L joining / ₹2.5L annual (2017)",
      "after": "₹7L joining / ₹2.75L annual",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/content/dam/amex/in/legal/mitc/Centurion_MITC.pdf",
      "cardUrl": "https://cardadvisor.in/cards/amex-centurion",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-neo",
      "cardName": "Axis Bank Neo Credit Card",
      "issuer": "Axis Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Bank Neo Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-neo",
      "noticeId": null,
      "actId": "axis-2021-axis-bank-neo-credit-card-launched"
    },
    {
      "cardKey": "hdfc-moneyback-plus",
      "cardName": "HDFC MoneyBack+ Credit Card",
      "issuer": "HDFC Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "HDFC MoneyBack+ launched, replacing MoneyBack",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-moneyback-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-cashback",
      "cardName": "SBI Cashback Credit Card",
      "issuer": "SBI Card",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Cashback SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-cashback",
      "noticeId": null,
      "actId": "sbi-2021-cashback-sbi-card-launched"
    },
    {
      "cardKey": "idfc-first-wealth",
      "cardName": "IDFC FIRST Wealth Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST Wealth launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.idfcfirstbank.com/credit-card/wealth",
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-wealth",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-binge",
      "cardName": "RBL Bank Binge Credit Card",
      "issuer": "RBL Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL Binge launched as an online-and-entertainment card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-binge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-wellness-plus",
      "cardName": "YES Bank Wellness Plus Credit Card",
      "issuer": "YES Bank",
      "date": "2021-01",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Launches with Aditya Birla Wellness as a health-themed card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-wellness-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-select",
      "cardName": "IDFC FIRST Select Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST Select launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-altura-plus",
      "cardName": "AU Altura Plus Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Altura Plus launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-altura-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-zenith",
      "cardName": "AU Zenith Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Small Finance Bank launches the Zenith premium card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-zenith",
      "noticeId": null,
      "actId": "au-2021-au-small-finance-bank-launches-the-zenith"
    },
    {
      "cardKey": "sbi-simply-click",
      "cardName": "SBI SimplyCLICK Credit Card",
      "issuer": "SBI Card",
      "date": "2021",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Amazon 10X withdrawn on utility bills and recharges",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-click",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "au-altura",
      "cardName": "AU Altura Credit Card",
      "issuer": "AU Small Finance Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "AU Altura launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/au-altura",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-league-platinum",
      "cardName": "Kotak League Platinum Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak League Platinum in market",
      "before": null,
      "after": "4 points per ₹150 base, 8 per ₹150 on select categories",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-league-platinum",
      "noticeId": null,
      "actId": "kotak-2021-kotak-league-platinum-in-market"
    },
    {
      "cardKey": "idfc-first-classic",
      "cardName": "IDFC FIRST Classic Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST Classic launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-first-classic",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hsbc-live-plus",
      "cardName": "HSBC Live+ Credit Card",
      "issuer": "HSBC",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "superseded",
      "title": "HSBC Cashback Credit Card launched (Live+ predecessor)",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hsbc.co.in/credit-cards/products/live-plus/",
      "cardUrl": "https://cardadvisor.in/cards/hsbc-live-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "idfc-millennia",
      "cardName": "IDFC FIRST Millennia Credit Card",
      "issuer": "IDFC FIRST Bank",
      "date": "2021",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IDFC FIRST Millennia launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/idfc-millennia",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2021",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "SmartBuy accelerator cut from 10X to 5X",
      "before": "10X on SmartBuy",
      "after": "5X on SmartBuy",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://offers.smartbuy.hdfcbank.com/infinia",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2020-12-17",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": "active",
      "title": "Relaunched as India's first metal card on Mastercard World Elite",
      "before": "Plastic Mastercard",
      "after": "Metal card on Mastercard World Elite",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/about-us/mediabrand/FY/2020-2021/December/IBL-launches-metal-credit-card-PIONEER-Heritage-for-affluent-segment.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-bpcl-octane",
      "cardName": "BPCL SBI Card Octane",
      "issuer": "SBI Card",
      "date": "2020-12-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "BPCL SBI Card OCTANE launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.bharatpetroleum.in/our-businesses/fuels-and-services/bpcl-sbi-card",
      "cardUrl": "https://cardadvisor.in/cards/sbi-bpcl-octane",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-private-prime",
      "cardName": "YES Private Prime Credit Card",
      "issuer": "YES Bank",
      "date": "2020-12-10",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "YES Private Prime launches as an invite-only Mastercard World Elite card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.yesbank.in/about-us/media/press-releases-details/3000000100629-press-release-list-item-dec-20-21_2",
      "cardUrl": "https://cardadvisor.in/cards/yes-private-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-paytm",
      "cardName": "Paytm SBI Card",
      "issuer": "SBI Card",
      "date": "2020-11-05",
      "announced": "2019-10",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Paytm SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-paytm-select",
      "cardName": "Paytm SBI Card SELECT",
      "issuer": "SBI Card",
      "date": "2020-11-04",
      "announced": "2019-10",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Paytm SBI Card SELECT launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/personal/credit-cards/travel/paytm-sbi-card-select.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-paytm-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-ace",
      "cardName": "Axis Bank ACE Credit Card",
      "issuer": "Axis Bank",
      "date": "2020-10-12",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Axis ACE launched with Google Pay & Visa",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/about-us/press-releases/axis-bank-launches-ace-credit-card-in-collaboration-with-google-pay-visa",
      "cardUrl": "https://cardadvisor.in/cards/axis-ace",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-icai-exclusive",
      "cardName": "ICAI Exclusive BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2020-09-29",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICAI Exclusive BOBCARD launched for Chartered Accountants",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-icai-exclusive",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-811",
      "cardName": "Kotak 811 #DreamDifferent Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2020-07-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Rebranded from Aqua Gold to 811 #DreamDifferent",
      "before": null,
      "after": "2 RP per ₹100 online; FD-secured from a ₹15,000 deposit, marketed lifetime-free",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-811",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-reserve",
      "cardName": "Axis Bank Reserve Credit Card",
      "issuer": "Axis Bank",
      "date": "2020-07",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Reserve relaunched as a metal super-premium card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-irctc-premier",
      "cardName": "IRCTC SBI Card Premier",
      "issuer": "SBI Card",
      "date": "2020-06-11",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Railway booking surcharge waiver cut to 1%",
      "before": "Higher waiver",
      "after": "1%",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-premier",
      "noticeId": null,
      "actId": "sbi-2020-06-11-railway-booking-surcharge-waiver-cut-to-1"
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2020-06-11",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Railway booking transaction-charge waiver cut to 1%",
      "before": "Higher waiver",
      "after": "1%",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.sbicard.com/en/customer-notices.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": "sbi-2020-06-11-railway-booking-surcharge-waiver-cut-to-1"
    },
    {
      "cardKey": "onecard",
      "cardName": "OneCard Credit Card",
      "issuer": "BOBCARD",
      "date": "2020-06",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "OneCard launched as a mobile-first metal card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/onecard",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-freecharge-plus",
      "cardName": "Axis Bank Freecharge Plus Credit Card",
      "issuer": "Axis Bank",
      "date": "2020-03",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Freecharge Plus launched as cashback sibling of the base Freecharge card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-gold",
      "cardName": "American Express Gold Card",
      "issuer": "American Express",
      "date": "2020-02-01",
      "announced": "2020-01-28",
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Gold Collection reshuffled toward Taj vouchers",
      "before": "18K→₹8,000 Amazon; 24K→₹10,000 statement credit; 12K tier available",
      "after": "18K→₹9,000 Taj (Amazon cut to ₹7,000); 24K→₹14,000 Taj (statement credit cut to ₹9,000); 12K tier removed",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/rewards/membership-rewards/redeem-points/gold-collection.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-gold",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-mrcc",
      "cardName": "American Express Membership Rewards Credit Card",
      "issuer": "American Express",
      "date": "2020-02-01",
      "announced": null,
      "type": "redemption",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "superseded",
      "title": "18K/24K Gold Collection restructured — Taj vouchers added, statement credit trimmed",
      "before": "Shopping vouchers + higher statement credit; 12K tier",
      "after": "Taj vouchers added (18K→₹9,000, 24K→₹14,000); statement-credit devalued; 12K tier removed",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/rewards/membership-rewards/redeem-points/gold-collection.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-mrcc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-privilege",
      "cardName": "HDFC Bank Diners Club Privilege Credit Card",
      "issuer": "HDFC Bank",
      "date": "2020",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "superseded",
      "title": "HDFC Diners Club Privilege launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-privilege",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-select",
      "cardName": "Axis Bank Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2020",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Relaunched with EDGE Rewards and new design",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "kotak-zen-signature",
      "cardName": "Kotak Zen Signature Credit Card",
      "issuer": "Kotak Mahindra Bank",
      "date": "2020",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Kotak Zen Signature in market",
      "before": null,
      "after": "10 Zen points per ₹150 on shopping, 5 per ₹150 on other spends",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/kotak-zen-signature",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2020",
      "announced": null,
      "type": "fee",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Joining fee cut from ₹50,000 to ₹15,000",
      "before": "₹50,000 one-time",
      "after": "₹15,000 one-time",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-platinum-maxima",
      "cardName": "RBL Bank Platinum Maxima Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2020",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "RBL reward-point value cut on voucher redemptions",
      "before": "~25 paise/point",
      "after": "as low as 16–18 paise on vouchers",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-platinum-maxima",
      "noticeId": null,
      "actId": "rbl-2020-rbl-reward-point-value-cut-on-voucher"
    },
    {
      "cardKey": "bob-cma-one",
      "cardName": "CMA One BOBCARD Credit Card",
      "issuer": "BOBCARD",
      "date": "2020",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "CMA One co-brand launched for ICMAI members",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-cma-one",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-eterna",
      "cardName": "Bank of Baroda Eterna Credit Card",
      "issuer": "BOBCARD",
      "date": "2020",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Eterna launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-eterna",
      "noticeId": null,
      "actId": "bob-2020-eterna-launched"
    },
    {
      "cardKey": "rbl-icon",
      "cardName": "RBL Bank Icon Credit Card",
      "issuer": "RBL Bank",
      "date": "2020",
      "announced": null,
      "type": "redemption",
      "direction": "devaluation",
      "magnitude": "major",
      "status": "active",
      "title": "RBL reward-point value cut on voucher redemptions",
      "before": "~25 paise/point",
      "after": "as low as 16–18 paise on vouchers",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-icon",
      "noticeId": null,
      "actId": "rbl-2020-rbl-reward-point-value-cut-on-voucher"
    },
    {
      "cardKey": "axis-indianoil",
      "cardName": "IndianOil Axis Bank Credit Card",
      "issuer": "Axis Bank",
      "date": "2019-12-17",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "IndianOil Axis Bank co-branded fuel card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/press-release/2019/dec/axis-bank-launches-a-co-branded-credit-card-with-indianoil-corporation.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-indianoil",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-burgundy-private",
      "cardName": "Axis Bank Burgundy Private Credit Card",
      "issuer": "Axis Bank",
      "date": "2019-12-02",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Bank launches Burgundy Private and its metal \"One Card\"",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/press-release/2019/dec/axis-bank-launches-burgundy-private---its-private-banking-platform.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-burgundy-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-irctc-premier",
      "cardName": "IRCTC SBI Card Premier",
      "issuer": "SBI Card",
      "date": "2019-12",
      "announced": "2019-12-14",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IRCTC SBI Card Premier launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-premier",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-indianoil",
      "cardName": "IndianOil HDFC Bank Credit Card",
      "issuer": "HDFC Bank",
      "date": "2019-09-25",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndianOil HDFC Bank co-branded fuel card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/press-release/2019/q3-jul-sep/september/hdfcbankandindianoillaunchcobrandedfuelcreditcardfornonmetrocitiesandtowns.pdf",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-indianoil",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-smartearn",
      "cardName": "American Express SmartEarn Credit Card",
      "issuer": "American Express",
      "date": "2019-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SmartEarn launches as Amex's ₹495 online-spend entry card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-smartearn",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-digismart",
      "cardName": "Standard Chartered DigiSmart Credit Card",
      "issuer": "Standard Chartered",
      "date": "2019-09",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": null,
      "status": "active",
      "title": "DigiSmart launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-digismart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-freecharge",
      "cardName": "Axis Bank Freecharge Credit Card",
      "issuer": "Axis Bank",
      "date": "2019-08",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Freecharge Axis Bank Credit Card launches as a virtual-only digital card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axis.bank.in/docs/default-source/default-document-library/press-release/2019/aug/freecharge-forays-into-digital-credit-cards-powered-by-axis-bank.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-freecharge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2019-08-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Home plan bill categories cut to 1.4 savings points",
      "before": "Cellphone 2.5 · electricity 2.5 · insurance 1.5 per ₹100",
      "after": "All three at 1.4 per ₹100",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-aura-edge-visa-and-mastercard-credit-card-easy-credit.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-flipkart",
      "cardName": "Axis Bank Flipkart Credit Card",
      "issuer": "Axis Bank",
      "date": "2019-07-19",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Flipkart Axis Bank Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/retail/cards/credit-card/flipkart-axisbank-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-flipkart",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-celesta",
      "cardName": "IndusInd Bank Celesta Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2019-07",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndusInd Celesta launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/celesta-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-celesta",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-emeralde",
      "cardName": "ICICI Bank Emeralde Credit Card (Metal)",
      "issuer": "ICICI Bank",
      "date": "2019-02-28",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICICI Emeralde Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2019/emeralde-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/icici-emeralde",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-shaurya-select",
      "cardName": "Shaurya Select SBI Card",
      "issuer": "SBI Card",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Shaurya Select SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-premier",
      "cardName": "Bank of Baroda Premier Credit Card",
      "issuer": "BOBCARD",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": null,
      "status": "active",
      "title": "Card launched as a Visa Signature rewards card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-premier",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pioneer-legacy",
      "cardName": "IndusInd Bank Pioneer Legacy Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Pioneer Legacy launched as a PIONEER relationship card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pioneer-legacy-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-legacy",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-paisabazaar-duet",
      "cardName": "RBL Bank Paisabazaar Duet Credit Card",
      "issuer": "RBL Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Launched as RBL Paisa on Demand — card plus credit line",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-paisabazaar-duet",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "slice",
      "cardName": "slice UPI Credit Card",
      "issuer": "slice",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "slice launched as a Visa prepaid card with a credit line",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/slice",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-myzone",
      "cardName": "Axis Bank MyZone Credit Card",
      "issuer": "Axis Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "MyZone launches as an entry lifestyle card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-myzone",
      "noticeId": null,
      "actId": "axis-2019-myzone-launches-as-an-entry-lifestyle-card"
    },
    {
      "cardKey": "sc-super-value-titanium",
      "cardName": "Standard Chartered Super Value Titanium Credit Card",
      "issuer": "Standard Chartered",
      "date": "2019",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fee-waiver spend threshold raised to ₹90,000",
      "before": "₹60,000 a year",
      "after": "₹90,000 a year",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-super-value-titanium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pioneer-heritage",
      "cardName": "IndusInd Bank Pioneer Heritage Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Pioneer Heritage launched as a PIONEER relationship card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pioneer-heritage-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pioneer-heritage",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-platinum-maxima",
      "cardName": "RBL Bank Platinum Maxima Plus Credit Card",
      "issuer": "RBL Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Platinum Maxima launched as a 10X lifestyle card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-platinum-maxima",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-shaurya",
      "cardName": "Shaurya SBI Card",
      "issuer": "SBI Card",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Shaurya SBI Card launched (replacing the Defence Gold Card)",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-shaurya",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-elite-plus",
      "cardName": "YES Bank Elite+ Credit Card",
      "issuer": "YES Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Launches as the YES Premia Credit Card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-elite-plus",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-priority-visa-infinite",
      "cardName": "Standard Chartered Priority Visa Infinite Credit Card",
      "issuer": "Standard Chartered",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": null,
      "status": "active",
      "title": "On record as a Priority Banking relationship card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-priority-visa-infinite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2019",
      "announced": null,
      "type": "benefit",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Monthly complimentary golf halved",
      "before": "4 golf games a month",
      "after": "2 golf games a month",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-world-safari",
      "cardName": "RBL Bank World Safari Credit Card",
      "issuer": "RBL Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "World Safari launched — India's first 0% forex retail travel card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-world-safari",
      "noticeId": null,
      "actId": "rbl-2019-world-safari-launched-india-s-first-0-forex"
    },
    {
      "cardKey": "hdfc-millennia",
      "cardName": "HDFC Millennia Credit Card",
      "issuer": "HDFC Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "HDFC Millennia (cashback) launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/personal/pay/cards/credit-cards/millennia-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-millennia",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-magnus",
      "cardName": "Axis Bank Magnus Credit Card",
      "issuer": "Axis Bank",
      "date": "2019",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Magnus launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/retail/cards/credit-card/axis-bank-magnus-card",
      "cardUrl": "https://cardadvisor.in/cards/axis-magnus",
      "noticeId": null,
      "actId": "axis-2019-axis-magnus-launched"
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2018-12",
      "announced": null,
      "type": "lounge",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "American Express Lounge (Centurion) opens at Mumbai T2",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-nexxt",
      "cardName": "IndusInd Bank Nexxt Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2018-11-14",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Nexxt launches — India's first button card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-nexxt",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-amazon-pay",
      "cardName": "Amazon Pay ICICI Bank Credit Card",
      "issuer": "ICICI Bank",
      "date": "2018-10-30",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Amazon Pay ICICI Bank Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.icici.bank.in/about-us/news-room/2018/news-icici-bank-launches-cobranded-credit-card-with-amazon",
      "cardUrl": "https://cardadvisor.in/cards/icici-amazon-pay",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2018-10-30",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "major",
      "status": null,
      "title": "Annual fee raised ₹50,000 → ₹60,000",
      "before": "₹50,000 + taxes",
      "after": "₹60,000 + taxes",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2018-10-17",
      "announced": null,
      "type": "benefit",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Card goes metal; 3X Membership Rewards on overseas spend",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-duo",
      "cardName": "IndusInd Bank Duo Card",
      "issuer": "IndusInd Bank",
      "date": "2018-10-10",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndusInd Bank Duo Card launched — India's first two-chip debit-cum-credit card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/about-us/mediabrand/FY/2018-2019/October/press-release-indusInd-bank-records111.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-duo",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-manhattan-platinum",
      "cardName": "Standard Chartered Manhattan Platinum Credit Card",
      "issuer": "Standard Chartered",
      "date": "2018-05",
      "announced": null,
      "type": "fee",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Fee-waiver spend threshold doubled to Rs 1.2 lakh",
      "before": "Rs 60,000 a year",
      "after": "Rs 1,20,000 a year",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-manhattan-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2018-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel spends stop earning reward points",
      "before": "Fuel spends earned 1 RP per ₹100",
      "after": "Fuel spends earn nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": "indusind-2018-04-01-fuel-spends-stop-earning-reward-points"
    },
    {
      "cardKey": "indusind-platinum-aura-edge",
      "cardName": "IndusInd Bank Platinum Aura Edge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2018-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel spends stop earning reward points",
      "before": "Fuel spends earned savings points",
      "after": "Fuel spends earn nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-aura-edge-visa-and-mastercard-credit-card-easy-credit.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum-aura-edge",
      "noticeId": null,
      "actId": "indusind-2018-04-01-fuel-spends-stop-earning-reward-points"
    },
    {
      "cardKey": "indusind-platinum",
      "cardName": "IndusInd Bank Platinum Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2018-04-01",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": null,
      "title": "Fuel spends stop earning reward points",
      "before": "Fuel spends earned 1.5 RP per ₹150",
      "after": "Fuel spends earn nothing",
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-visa-credit-card.html",
      "cardUrl": "https://cardadvisor.in/cards/indusind-platinum",
      "noticeId": null,
      "actId": "indusind-2018-04-01-fuel-spends-stop-earning-reward-points"
    },
    {
      "cardKey": "sbi-doctors-ima",
      "cardName": "Doctor's SBI Card (in Association with IMA)",
      "issuer": "SBI Card",
      "date": "2018-03",
      "announced": "2018-03-27",
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Doctor's SBI Card (in association with IMA) launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors-ima",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-doctors",
      "cardName": "Doctor's SBI Card",
      "issuer": "SBI Card",
      "date": "2018",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Doctor's SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-doctors",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "bob-select",
      "cardName": "BOBCARD Select Credit Card",
      "issuer": "BOBCARD",
      "date": "2018",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "BOBCARD Select on the market",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/bob-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-simply-save",
      "cardName": "SBI SimplySAVE Credit Card",
      "issuer": "SBI Card",
      "date": "2018",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SimplySAVE SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-save",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-pinnacle",
      "cardName": "IndusInd Bank Pinnacle Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2018",
      "announced": null,
      "type": "lounge",
      "direction": "revaluation",
      "magnitude": "major",
      "status": null,
      "title": "Priority Pass added to the card",
      "before": "No Priority Pass benefit",
      "after": "Complimentary Priority Pass membership",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-pinnacle",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-bpcl",
      "cardName": "BPCL SBI Card",
      "issuer": "SBI Card",
      "date": "2017-12-22",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "BPCL SBI Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-bpcl",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-private",
      "cardName": "YES Private Credit Card",
      "issuer": "YES Bank",
      "date": "2017-09-26",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Launches as the YES Private World Elite card, capped at 2,500 holders",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-private",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-ultimate",
      "cardName": "Standard Chartered Ultimate Credit Card",
      "issuer": "Standard Chartered",
      "date": "2017-09-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Standard Chartered Ultimate launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.sc.com/global/av/in-ultimate-cc-final.pdf",
      "cardUrl": "https://cardadvisor.in/cards/sc-ultimate",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2017-06-09",
      "announced": null,
      "type": "milestone",
      "direction": "neutral",
      "magnitude": "minor",
      "status": null,
      "title": "Milestone voucher partner switched IndiGo → SpiceJet",
      "before": "IndiGo vouchers",
      "after": "SpiceJet vouchers (equal value)",
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-manhattan-platinum",
      "cardName": "Standard Chartered Manhattan Platinum Credit Card",
      "issuer": "Standard Chartered",
      "date": "2017-05-25",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Base earn cut to 3 points per Rs 150",
      "before": null,
      "after": "3 reward points per Rs 150",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-manhattan-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sc-super-value-titanium",
      "cardName": "Standard Chartered Super Value Titanium Credit Card",
      "issuer": "Standard Chartered",
      "date": "2017-04",
      "announced": null,
      "type": "reward",
      "direction": "neutral",
      "magnitude": "minor",
      "status": "active",
      "title": "Fuel 5% benefit restructured toward cashback",
      "before": "2.5% surcharge reversal + 2.5% cashback",
      "after": "1% surcharge reversal + 4% cashback",
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sc-super-value-titanium",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-unnati",
      "cardName": "SBI Card Unnati",
      "issuer": "SBI Card",
      "date": "2017-03-29",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SBI Card Unnati launched",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-unnati",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-travel",
      "cardName": "American Express Platinum Travel Credit Card",
      "issuer": "American Express",
      "date": "2017",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "superseded",
      "title": "Amex Platinum Travel in market — airline-voucher milestone era",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://web.archive.org/web/20210330132221/https://icm.aexp-static.com/Internet/IntlHomepage/japa/IN_en/shared/pdfs/How_to_earn_and_claim_your_IndiGo_Vouchers.pdf",
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-travel",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-prime",
      "cardName": "SBI Card PRIME",
      "issuer": "SBI Card",
      "date": "2017",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SBI Card PRIME launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-prime",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-freedom",
      "cardName": "HDFC Bank Freedom Credit Card",
      "issuer": "HDFC Bank",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "HDFC Freedom Credit Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/hdfc-freedom",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-select",
      "cardName": "YES Bank Select Credit Card",
      "issuer": "YES Bank",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Launches as the YES Prosperity Edge",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-legend",
      "cardName": "IndusInd Bank Legend Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IndusInd Legend launched (Visa Signature premium card)",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/indusind-legend",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "yes-first-exclusive",
      "cardName": "YES First Exclusive Credit Card (now YES Bank RESERV)",
      "issuer": "YES Bank",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Launches as YES FIRST Exclusive super-premium card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/yes-first-exclusive",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-privilege",
      "cardName": "Axis Bank Privilege Credit Card",
      "issuer": "Axis Bank",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Axis Bank quietly launches the Privilege Credit Card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-privilege",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-irctc-platinum",
      "cardName": "IRCTC SBI Platinum Card",
      "issuer": "SBI Card",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "IRCTC SBI Platinum Card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-irctc-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "rbl-icon",
      "cardName": "RBL Bank Icon Credit Card",
      "issuer": "RBL Bank",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "RBL Icon launched as dining & international card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/rbl-icon",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-elite",
      "cardName": "SBI Card ELITE",
      "issuer": "SBI Card",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SBI Card ELITE launched (rebrand of SBI Signature)",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://web.archive.org/web/20160708110302/https://www.sbicard.com/en/personal/credit-cards/lifestyle/sbi-card-elite.page",
      "cardUrl": "https://cardadvisor.in/cards/sbi-elite",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-infinia",
      "cardName": "HDFC Bank Infinia Metal Credit Card",
      "issuer": "HDFC Bank",
      "date": "2016",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "HDFC Infinia launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/personal/pay/cards/credit-cards/infinia-credit-card",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-infinia",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "sbi-simply-click",
      "cardName": "SBI SimplyCLICK Credit Card",
      "issuer": "SBI Card",
      "date": "2015-09-15",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "SimplyCLICK launches as SBI's online-shopping card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/sbi-simply-click",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-hpcl-coral",
      "cardName": "ICICI Bank HPCL Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2015",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICICI Bank HPCL Coral fuel co-brand introduced",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-hpcl-coral",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-platinum",
      "cardName": "ICICI Bank Platinum Chip Credit Card",
      "issuer": "ICICI Bank",
      "date": "2015",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICICI Platinum Chip Credit Card introduced",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-platinum",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-mrcc",
      "cardName": "American Express Membership Rewards Credit Card",
      "issuer": "American Express",
      "date": "2014",
      "announced": null,
      "type": "reward",
      "direction": "devaluation",
      "magnitude": "minor",
      "status": "active",
      "title": "Insurance, fuel & utility spends excluded from MR earning",
      "before": "Insurance/utilities earned MR points",
      "after": "No MR points on fuel, insurance, utilities",
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/customer-service/faq.how-are-the-points-i-earn-calculated.html",
      "cardUrl": "https://cardadvisor.in/cards/amex-mrcc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-miles-more-select",
      "cardName": "Miles & More Axis Bank World Select Credit Card",
      "issuer": "Axis Bank",
      "date": "2013-06-30",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Miles & More co-brand moved from IndusInd Bank to Axis Bank",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/press-releases/june-11-13-axis-bank-co-branded-credi-card.pdf?sfvrsn=12",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more-select",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "indusind-indulge",
      "cardName": "IndusInd Bank Indulge Credit Card",
      "issuer": "IndusInd Bank",
      "date": "2013-06-24",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Indulge launched — India's first 22-karat gold-inlay card",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.indusind.bank.in/content/dam/indusind-corporate/pressReleaseArchive/FY2013-2014/june/Indulge-first-cc-gold-inlay.pdf",
      "cardUrl": "https://cardadvisor.in/cards/indusind-indulge",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "axis-miles-more",
      "cardName": "Miles & More Axis Bank World Credit Card",
      "issuer": "Axis Bank",
      "date": "2013-06-11",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Miles & More co-brand moves to Axis Bank; the Miles & More World card launches",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "official",
      "verificationUrl": "https://www.axisbank.com/docs/default-source/press-releases/june-11-13-axis-bank-co-branded-credi-card.pdf",
      "cardUrl": "https://cardadvisor.in/cards/axis-miles-more",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "hdfc-diners-black",
      "cardName": "HDFC Diners Club Black Metal Edition",
      "issuer": "HDFC Bank",
      "date": "2013",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "superseded",
      "title": "HDFC Diners Club Black launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.hdfcbank.com/personal/pay/cards/credit-cards/diners-club-black-metal-edition",
      "cardUrl": "https://cardadvisor.in/cards/hdfc-diners-black",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-expressions",
      "cardName": "ICICI Bank Expressions Credit Card",
      "issuer": "ICICI Bank",
      "date": "2013",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICICI Expressions Credit Card introduced",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-expressions",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-coral",
      "cardName": "ICICI Bank Coral Credit Card",
      "issuer": "ICICI Bank",
      "date": "2013",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICICI Coral Credit Card introduced",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-coral",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-gold",
      "cardName": "American Express Gold Card",
      "issuer": "American Express",
      "date": "2013",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "Amex Gold Charge Card in market (legacy product)",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "official",
      "verificationUrl": "https://www.americanexpress.com/in/charge-cards/gold-card/",
      "cardUrl": "https://cardadvisor.in/cards/amex-gold",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-centurion",
      "cardName": "American Express Centurion Card",
      "issuer": "American Express",
      "date": "2013",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Amex brings the invitation-only Centurion \"Black Card\" to India",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-centurion",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "icici-sapphiro",
      "cardName": "ICICI Bank Sapphiro Credit Card",
      "issuer": "ICICI Bank",
      "date": "2013",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICICI Sapphiro Credit Card launched (Gemstone Collection)",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-sapphiro",
      "noticeId": null,
      "actId": "icici-2013-icici-sapphiro-credit-card-launched"
    },
    {
      "cardKey": "icici-rubyx",
      "cardName": "ICICI Bank Rubyx Credit Card",
      "issuer": "ICICI Bank",
      "date": "2011-12-21",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "ICICI Rubyx dual-network platinum card launched",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/icici-rubyx",
      "noticeId": null,
      "actId": "icici-2011-12-21-icici-rubyx-dual-network-platinum-card"
    },
    {
      "cardKey": "axis-lic",
      "cardName": "LIC Axis Bank Signature Credit Card",
      "issuer": "Axis Bank",
      "date": "2011-06-20",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": "active",
      "title": "LIC-Axis Bank co-branded credit card program launched, incl. Visa Signature tier",
      "before": null,
      "after": null,
      "confidence": "high",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/axis-lic",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-reserve",
      "cardName": "American Express Platinum Reserve Credit Card",
      "issuer": "American Express",
      "date": "2010",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Amex Platinum Reserve launches in India",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-reserve",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-mrcc",
      "cardName": "American Express Membership Rewards Credit Card",
      "issuer": "American Express",
      "date": "2010",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Amex MRCC launched as Amex India's entry Membership Rewards card",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-mrcc",
      "noticeId": null,
      "actId": null
    },
    {
      "cardKey": "amex-platinum-charge",
      "cardName": "American Express Platinum Card",
      "issuer": "American Express",
      "date": "2006",
      "announced": null,
      "type": "launch",
      "direction": "neutral",
      "magnitude": "major",
      "status": null,
      "title": "Amex Platinum Charge Card launches in India",
      "before": null,
      "after": null,
      "confidence": "reconstructed",
      "verificationTier": "research",
      "verificationUrl": null,
      "cardUrl": "https://cardadvisor.in/cards/amex-platinum-charge",
      "noticeId": null,
      "actId": null
    }
  ],
  "frozen": true,
  "releaseDate": "2026-08-16",
  "liveEndpoint": "https://cardadvisor.in/data/changes.json"
}