Credit Card Changes in July 2026
Fees, rewards and benefits the banks changed on the cards we list, with the source for each. Updated twice a day.
- 55Changes
- 43Cards
- 47Reduced
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.
July 2026
Changed31 Jul 2026
Fee-waiver clause widened, add-on spends count, anniversary year, GST reversed
Bank's notice ↗Before₹8L on the primary card, measured over the financial yearNow₹8L across primary + add-on cards, measured over the card anniversary year
Reduced31 Jul 2026
IndusInd stops describing the card as having no joining fee
Bank's notice ↗BeforeProduct page: "Lifetime Free - Zero Joining Fee & Zero Annual Fee"NowProduct page: "No Annual Fees"; FAQ: "only a one-time joining fee applicable"
Reduced26 Jul 2026
Domestic lounges halved; base-cashback exclusions added
Bank's notice ↗Before4 domestic lounge visits/yr (1/quarter) · 1.5% earns on hospital, local transport & international spendsNow2 domestic lounge visits/yr (1/6 months) · no cashback on hospital (MCC 8062), local transport (MCC 4111) or international spendsChanged26 Jul 2026
Live+ upgraded, 10% categories widened, cap raised, Visa Infinite
Bank's notice ↗Before10% on dining/food-delivery/grocery · ₹1,000/mo cap · 3.5% forex · Visa PlatinumNow10% adds shopping (excl Amazon/Flipkart/Myntra) & utility bills · ₹1,200/mo cap · 1.99% forex · Visa Infinite
Reduced22 Jul 2026
FASTag, railway, government and education cut to 0.5 BluChips
Bank's notice ↗Before3 BluChips per ₹100 (base rate)Now0.5 BluChips per ₹100
Changed17 Jul 2026
Annual fee halved to ₹25,000; 50,000-point commencement benefit
Bank's notice ↗Before₹50,000 + GSTNow₹25,000 + GST; 50,000 reward points credited on commencement-fee realization (cards issued on or after 17 Jul 2026)Reduced17 Jul 2026
Spend-based milestones discontinued
Bank's notice ↗BeforeRenewal milestone reward points on annual spendNowNone, spend-based milestones discontinued
Reduced15 Jul 2026
Complimentary accidental death insurance withdrawn
Bank's notice ↗BeforeAir + non-air accidental death cover includedNowNo accidental death cover
Reduced15 Jul 2026
Accidental death insurance withdrawn
Bank's notice ↗Before₹15 lakh air + ₹5 lakh non-air accidental death coverNowWithdrawn
Reduced15 Jul 2026
Accidental death insurance withdrawn
Bank's notice ↗Reduced15 Jul 2026
Finance charge raised to 3.75%/month
Bank's notice ↗Before3.25% (39% p.a.)Now3.75% (45% p.a.)Reduced15 Jul 2026
Lounge spend threshold raised to ₹75,000/quarter
Bank's notice ↗Before₹40,000/quarterNow₹75,000/quarter
Reduced15 Jul 2026
Complimentary accidental death insurance withdrawn
Bank's notice ↗BeforeAir ₹50 lakh + non-air ₹10 lakh accidental death coverNowNo complimentary accidental death cover
Reduced15 Jul 2026
Accidental death insurance withdrawn
Bank's notice ↗Reduced15 Jul 2026
Finance charge raised to 3.75%/month
Bank's notice ↗Before3.25% (39% p.a.)Now3.75% (45% p.a.)Reduced15 Jul 2026
Lounge spend threshold raised to ₹75,000/quarter
Bank's notice ↗Before₹40,000/quarterNow₹75,000/quarter
Reduced15 Jul 2026
Fuel rewards and surcharge waiver restricted to HPCL's eligible-outlet list
Bank's notice ↗BeforeAccelerated 24 RP per ₹150 and 1% surcharge waiver at all HPCL fuel outletsNowOnly at HPCL outlets on the eligible merchant (MID/TID) list HPCL shares with BOBCARD; off-list pumps earn base rate with no waiver
Reduced15 Jul 2026
1% fee on rent and education payments
Bank's notice ↗BeforeNo fee on rent or education paymentsNow1% of the transaction on rent payments, and 1% on education payments
Changed7 Jul 2026
CheQ AU becomes lifetime-free
Bank's notice ↗Before₹499 joining + ₹499 annual, reversible on ₹3 lakh annual spendsNowLifetime free (one-time ₹999 + GST applies only to the optional LED Visa variant)
Changed3 Jul 2026
Welcome BluChips temporarily doubled
Before1,200 BluChipsNow2,400 BluChips + 6E Eats voucher
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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.
- 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 →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
















