Credit Card Changes in April 2025
Fees, rewards and benefits the banks changed on the cards we list, with the source for each. Updated twice a day.
- 18Changes
- 15Cards
- 13Reduced
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.
April 2025
Changed16 Apr 2025
Tata Neu Infinity SBI Card launched
Bank's notice ↗
Changed16 Apr 2025
Tata Neu Plus SBI Card launched
Reduced1 Apr 2025
Milestone cashback spend thresholds raised
Before5% bonus at ₹7,500 spend per 30-day cycle; 2% bonus at ₹10,000Now5% bonus at ₹10,000 spend per 30-day cycle; 2% bonus at ₹15,000
Reduced1 Apr 2025
Fuel dropped and category caps added to the 3X earn
Bank's notice ↗Before3 RP/₹100 on all spends, no exclusionsNowFuel earns nothing; ~11 categories capped at ₹1,00,000/monthChanged1 Apr 2025
Redemption consolidated to the mobile app
Bank's notice ↗BeforePhoneBanking (IVR), online banking and websiteNowHSBC India Mobile Banking app only, instant redemption
ChangedApr 2025
Base earn tripled to 3 Avios per ₹200
Bank's notice ↗Before1 Avios per ₹200Now3 Avios per ₹200 (6 on preferred destination POS, 5 on BA/Qatar)ChangedApr 2025
Joining fee slashed to ₹10,000
Bank's notice ↗Before₹40,000 joining + ₹10,000 annualNow₹10,000 joining + ₹5,000 annualReducedApr 2025
Milestone cap trimmed to 36,000 Avios/year
Bank's notice ↗Before25,000 x2 at ₹8L each = up to 50,000/yrNow18,000 x2 (₹8L annual + ₹16L cumulative) = up to 36,000/yr
Reduced1 Apr 2025
Cash redemption fee raised to ₹149 and capped at 50% of balance
Bank's notice ↗BeforeLower redemption fee; full balance redeemableNow₹149 + GST per cash redemption; max 50% of balance
Reduced1 Apr 2025
Redemption fee raised; Pay-with-Rewards value cut
Bank's notice ↗BeforeCash redemption fee ₹100; no balance capNow₹149 + GST cash redemption; twid per-txn fees; 50%-of-balance cap
Reduced1 Apr 2025
Cash redemption fee raised to ₹149 and capped at 50% of balance
Bank's notice ↗BeforeLower redemption fee; full balance redeemableNow₹149 + GST per cash redemption; max 50% of balance
Reduced1 Apr 2025
Redemption fee raised; Pay-with-Rewards value cut
Bank's notice ↗BeforeRedemption fee ₹100 + GST; no 50% balance capNow₹149 + GST per cash redemption; twid 12.5% travel / 10% other from 2nd txn; 50%-of-balance cap
Reduced1 Apr 2025
Cash-redemption fee raised to ₹149
Bank's notice ↗Before₹100 + GST per cash-credit redemptionNow₹149 + GST per cash-credit redemption
Reduced1 Apr 2025
Redemption fee raised to ₹149; 50%-of-balance cap added
Bank's notice ↗BeforeNo 50%-of-balance cap; lower cash-redemption feeNow₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction
Reduced1 Apr 2025
Cash redemption capped at 50% of points balance
Bank's notice ↗BeforeFull points balance redeemable against cash creditNowMax 50% of balance per redemption; points clawed back on delinquency
Reduced1 Apr 2025
Cash redemption fee raised to ₹149 and capped at 50% of balance
Bank's notice ↗BeforeLower redemption fee; full balance redeemableNow₹149 + GST per cash redemption; max 50% of balance
Reduced1 Apr 2025
Cash redemption capped at 50% of points balance
Bank's notice ↗BeforeFull points balance redeemable against cash creditNowMax 50% of balance per redemption; points clawed back on delinquency
Reduced1 Apr 2025
Swiggy dropped from 10X to 5X
Bank's notice ↗Before10XNow5X
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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.
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 →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →

















