Credit Card Changes in January 2025
Fees, rewards and benefits the banks changed on the cards we list, with the source for each. Updated twice a day.
- 24Changes
- 20Cards
- 18Reduced
Get an email when credit cards we list change
Only when a bank changes fees, rewards or benefits. At most once a day, and every email has a one-click stop link.
January 2025
Changed27 Jan 2025
AU Zenith Plus metal card launches
Bank's notice ↗
Changed22 Jan 2025
HSBC TravelOne launched in India
Bank's notice ↗
Reduced21 Jan 2025
InterMiles redemption route discontinued
BeforePoints → InterMilesNowInterMiles route withdrawn
Reduced21 Jan 2025
InterMiles redemption route discontinued
BeforePoints → InterMilesNowInterMiles route withdrawn
Reduced21 Jan 2025
InterMiles redemption withdrawn
Reduced15 Jan 2025
Category cashback cap halved to ₹500 a cycle
Bank's notice ↗Before₹1,000 on each category in a 30-day periodNow₹500 on each of grocery and apparel in a 30-day period
Reduced6 Jan 2025
5X now requires spending across three categories
Bank's notice ↗Before5X applied to top-2 categories on any qualifying spendNow5X applies only if you spend at least ₹750 in each of three or more categories in the month
Reduced1 Jan 2025
Domestic airport lounge access made spend-gated
Beforeno documented spend condition on domestic lounge accessNow₹20,000 minimum spend per calendar quarter
Reduced1 Jan 2025
Processing fees added on wallet-load & utility spends
Bank's notice ↗BeforeNo processing feeNow1% on wallet loads; 1% (max ₹3,000) on utility payments ≥ ₹50,000
Changed2025
Uni GoldX launched
Reduced1 Jan 2025
Golf benefit discontinued
Bank's notice ↗
Reduced1 Jan 2025
Lounge access gated to ₹40,000/quarter spend
Bank's notice ↗BeforeUnlimited, unconditionalNow₹40,000 spend in prior quarter
Reduced1 Jan 2025
Domestic lounge access gated to ₹40,000 quarterly spend
Bank's notice ↗Before12 visits a year (3 per quarter), unconditionalNow12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding calendar quarterReduced1 Jan 2025
Processing fees introduced on wallet-load, high-value utility and fuel spends
Bank's notice ↗BeforeNo processing fee on wallet loads, utility or fuel spendsNow1% on wallet loads; 1% (max ₹3,000) on utility spends ≥₹50,000; 1% on fuel spends ≥₹10,000
Changed2025
Airport transfers, meet-and-greet and luxury access added
Changed2025
Welcome bonus switched from Taj voucher to 20,000 Reward Points
Bank's notice ↗Before₹12,000 Taj Hotels gift cardNow20,000 Reward Points (transferable 1:1)
Reduced1 Jan 2025
Domestic lounge access gated to ₹40,000/quarter spend
Bank's notice ↗Before3 visits/quarter, no spend gateNow3 visits/quarter after ₹40,000/quarter spendReduced1 Jan 2025
Processing fees added on wallet-load, high-value utility and fuel spends
Bank's notice ↗BeforeNo processing feesNow1% on wallet-load, ₹50k+ utility and ₹10k+ fuel
Reduced1 Jan 2025
Core reward points removed on wallet-load spends
Bank's notice ↗BeforeCore points on wallet loadsNowNo points on wallet-load MCCs (6539 to 6542)Reduced1 Jan 2025
Domestic lounge access gated to a quarterly spend
Bank's notice ↗Before12 visits a year (3 per quarter), no spend conditionNow12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding quarter
Showing 20 of 24
Change data from CardAdvisor, checked against each bank's notice where one is linked. A card's page always shows its current terms. How we check facts. The yearly report, by bank and month.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →


















