In July 2026, 17 changes came into effect on 14 credit cards listed on SkyloFin. Each one is below with its date, what it was before and what it is now.
AU Small Finance Bank
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Date Change Before Now 1 Jul 2026 Reduced: Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
Bank of Baroda
Date Change Before Now 15 Jul 2026 Reduced: Accidental death insurance withdrawn– – 15 Jul 2026 Reduced: Finance charge raised to 3.75%/month3.25% (39% p.a.) 3.75% (45% p.a.) 15 Jul 2026 Reduced: Lounge spend threshold raised to ₹75,000/quarter₹40,000/quarter ₹75,000/quarter
Date Change Before Now 15 Jul 2026 Reduced: Complimentary accidental death insurance withdrawnAir ₹50 lakh + non-air ₹10 lakh accidental death cover No complimentary accidental death cover
HSBC
Date Change Before Now 26 Jul 2026 Reduced: Domestic lounges halved; base-cashback exclusions added4 domestic lounge visits/yr (1/quarter) · 1.5% earns on hospital, local transport & international spends 2 domestic lounge visits/yr (1/6 months) · no cashback on hospital (MCC 8062), local transport (MCC 4111) or international spends 26 Jul 2026 Changed: Live+ upgraded — 10% categories widened, cap raised, Visa Infinite10% on dining/food-delivery/grocery · ₹1,000/mo cap · 3.5% forex · Visa Platinum 10% adds shopping (excl Amazon/Flipkart/Myntra) & utility bills · ₹1,200/mo cap · 1.99% forex · Visa Infinite
What it means for you
The changes take the most away from holders of the Bank of Baroda Eterna Credit Card, AU Altura Credit Card and AU Altura Plus Credit Card. If you use one of these cards for the benefits that were cut, it may now give you less than it costs. Check the Now column against how you actually spend, and before paying your next annual fee, compare it with similar cards on SkyloFin .
Sources: AU Small Finance Bank , Bank of Baroda , HSBC . Card data sourced via CardAdvisor.in .
Updated 3 Oct 2026.
