Card changes
Each entry is one rule-level difference between two published versions of a card's terms. Direction is judged for a typical customer; your own impact depends on your spending.
- Added to Folio Issuer documents
Axis Bank Shoppers Stop Credit Card · Axis Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
• First Citizen Reward Points worth Rs. 300 shall be awarded to the Cardholder on the
- Added to Folio Issuer documents
Swiggy BLCK HDFC Bank Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
• Cashback on Swiggy BLCK HDFC Bank Credit Card will be processed as per the following table -
- DevaluationExclusionMedium impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
Added: Wallet transactions
What it means per year
No change to calculated value for the standard profiles.
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 −₹590 ₹0 (0%) Rs. 25,000/month −₹590 −₹590 ₹0 (0%) Rs. 50,000/month −₹590 −₹590 ₹0 (0%) Rs. 1,00,000/month −₹590 −₹590 ₹0 (0%) Net yearly value (conservative reward value minus the card's fees), each change measured on its own.
Dates, evidence and confidence
- Effective: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
- DevaluationExclusionMedium impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
Added: Government transactions
What it means per year
No change to calculated value for the standard profiles.
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 −₹590 ₹0 (0%) Rs. 25,000/month −₹590 −₹590 ₹0 (0%) Rs. 50,000/month −₹590 −₹590 ₹0 (0%) Rs. 1,00,000/month −₹590 −₹590 ₹0 (0%) Net yearly value (conservative reward value minus the card's fees), each change measured on its own.
Dates, evidence and confidence
- Effective: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
- DevaluationExclusionMedium impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
Added: Rent payments
What it means per year
No change to calculated value for the standard profiles.
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 −₹590 ₹0 (0%) Rs. 25,000/month −₹590 −₹590 ₹0 (0%) Rs. 50,000/month −₹590 −₹590 ₹0 (0%) Rs. 1,00,000/month −₹590 −₹590 ₹0 (0%) Net yearly value (conservative reward value minus the card's fees), each change measured on its own.
Dates, evidence and confidence
- Effective: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
- DevaluationExclusionMedium impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
Added: Fuel transactions
What it means per year
No change to calculated value for the standard profiles.
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 −₹590 ₹0 (0%) Rs. 25,000/month −₹590 −₹590 ₹0 (0%) Rs. 50,000/month −₹590 −₹590 ₹0 (0%) Rs. 1,00,000/month −₹590 −₹590 ₹0 (0%) Net yearly value (conservative reward value minus the card's fees), each change measured on its own.
Dates, evidence and confidence
- Effective: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
- DevaluationReward CapLow impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
Added: Swiggy-app cashback cap per billing cycle
What it means per year
No change to calculated value for the standard profiles.
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 −₹590 ₹0 (0%) Rs. 25,000/month −₹590 −₹590 ₹0 (0%) Rs. 50,000/month −₹590 −₹590 ₹0 (0%) Rs. 1,00,000/month −₹590 −₹590 ₹0 (0%) Net yearly value (conservative reward value minus the card's fees), each change measured on its own.
Dates, evidence and confidence
- Effective: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
- DevaluationReward CapMedium impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
Added: Other-category cashback cap per billing cycle
What it means per year
No change to calculated value for the standard profiles.
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 −₹590 ₹0 (0%) Rs. 25,000/month −₹590 −₹590 ₹0 (0%) Rs. 50,000/month −₹590 −₹590 ₹0 (0%) Rs. 1,00,000/month −₹590 −₹590 ₹0 (0%) Net yearly value (conservative reward value minus the card's fees), each change measured on its own.
Dates, evidence and confidence
- Effective: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
- EnhancementRewardLow impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
Added: Cashback on Swiggy food delivery, Instamart and Dineout
What it means per year
No change to reward value for the standard profiles; the effect depends on whether the benefit is used.
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 −₹590 ₹0 (0%) Rs. 25,000/month −₹590 −₹590 ₹0 (0%) Rs. 50,000/month −₹590 −₹590 ₹0 (0%) Rs. 1,00,000/month −₹590 −₹590 ₹0 (0%) Net yearly value (conservative reward value minus the card's fees), each change measured on its own.
Dates, evidence and confidence
- Effective: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
- EnhancementRewardMedium impact Issuer documents
Swiggy HDFC Bank Credit Card · HDFC Bank
Added: Cashback on other eligible categories
What it means per year
Monthly spend profile Before, per year After, per year Change Rs. 10,000/month −₹590 ₹546 +₹1,136 (+192.4939%) Rs. 25,000/month −₹590 ₹2,249 +₹2,839 (+481.2349%) Rs. 50,000/month −₹590 ₹5,089 +₹5,679 (+962.4697%) Rs. 1,00,000/month −₹590 ₹5,410 +₹6,000 (+1016.9492%) Net yearly value (conservative reward value minus the card's fees), each change measured on its own.
Dates, evidence and confidence
- Effective: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
Spends on other categories * 1% cashback Rs. 500 per billing cycle Exclusions - Fuel, Rent, Jewellery, Govt. spends, Gift Cards, EMI & Wallet *
- Added to Folio Issuer documents
Swyp Emi Credit Card · IDFC FIRST Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Rewards Document, retrieved 28 Oct 2026):
more within the first 30 days of credit card joining fee payment • Cardholder will receive a unique voucher after transaction of Rs. 5,000 or more through e-mail/SMS for
- Added to Folio Issuer documents
Indianoil Premium Credit Card · Axis Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
3.1 There is a one-time joining fee of Rs. 1000+GST along with an annual card
- Added to Folio Issuer documents
Axis Bank Atlas Credit Card · Axis Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Terms And Conditions, retrieved 28 Oct 2026):
1. EDGE Miles shall be credited to cardholders' EDGE miles account upon successful payment of the card annual fee of Rs. 5000 + GST. EDGE Miles credit shall be as per the following-
- Added to Folio Issuer documents
Money Back Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining Membership Fee: Rs. 500 plus applicable taxes.
- Added to Folio Issuer documents
Diners Club Black Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining/Renewal Membership Fee: Rs. 10,000 plus Applicable Taxes
- Added to Folio Issuer documents
Regalia Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining/renewal membership fee of Rs. 2,500 plus applicable taxes.
- Added to Folio Issuer documents
Diners ClubMiles Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining/renewal membership fee: Rs. 1,000 plus applicable taxes.
- Added to Folio Issuer documents
Regalia First Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining/Renewal Membership Fee: Rs. 1,000/- plus Applicable Taxes
- Added to Folio Issuer documents
Teachers Platinum Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Annual charges: Rs. 500 plus GST annually.
- Added to Folio Issuer documents
Solitaire Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Annual charges: Rs. 500 plus GST annually.
- Added to Folio Issuer documents
Jetprivilege Titanium Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining Membership Fee: Rs. 500 + Applicable Taxes
- Added to Folio Issuer documents
Doctors Superia Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining / Annual membership Fee: Rs. 1,000
- Added to Folio Issuer documents
Doctor's Regalia Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
First Year Membership Fee - Rs. 2500/- + Applicable Taxes, Renewal Membership Fee - Rs. 2500/- + Applicable Taxes
- Added to Folio Issuer documents
Diners Club Rewardz Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining/Renewal Membership Fee: Rs. 1,000 plus Applicable Taxes
- Added to Folio Issuer documents
Diners Club Premium Credit Card · HDFC Bank
Added to Folio; original launch date not established
Dates, evidence and confidence
- Issuer effective date: Unknown
- Rules first recorded in Folio: 28 Oct 2026
- Announced: —
- Discovered: 28 Oct 2026
- Confidence: Likely
- Evidence (Product Page, retrieved 28 Oct 2026):
Joining/renewal membership fee: Rs. 2,500 plus applicable taxes.