Credit card devaluations in India, on the record.

8 complimentary domestic airport lounge visits a year, capped at two per calendar quarter, with no minimum spend condition.

Up to two complimentary domestic visits in a calendar quarter, and only on ₹1,00,000 or more of net eligible spend in the preceding quarter. For October to December 2026 only, the qualifying bar is ₹70,000 spent between July and September 2026.

Finance charges on revolving balances of 3.25% a month.

Finance charges on revolving balances of 3.75% a month.

Unlimited domestic lounge access needed ₹40,000 of spend in the preceding calendar quarter.

Unlimited domestic lounge access needs ₹75,000 of spend in the preceding calendar quarter.

Milestones paid 7,500 points at ₹1.9 lakh, 10,000 points at ₹4 lakh, and 22,500 points plus a ₹10,000 Taj voucher at ₹7 lakh, so ₹7 lakh of spend collected 40,000 Membership Rewards points and the voucher.

The ₹1.9 lakh tier pays nothing, the ₹4 lakh tier keeps 10,000 points, and the ₹7 lakh tier pays a ₹20,000 Taj Experiences e-Gift Card with no points, so ₹7 lakh collects 10,000 points and the voucher.

Regalia Gold gave 12 unconditional domestic lounge visits a year, Diners Club Privilege unconditional visits, BizPower 16 visits a year and Tata Neu Infinity unlimited swipe access.

Regalia Gold gives 3 domestic visits a quarter behind ₹60,000 of prior-quarter spend, Diners Club Privilege 2 domestic and 1 international a quarter on the same ₹60,000 test, BizPower 2 a quarter, and Tata Neu Infinity a voucher needing ₹50,000 of prior-quarter spend.

Voucher purchases counted toward the card's overall monthly SmartBuy accelerated cap: 15,000 points on Infinia and Infinia Metal, 10,000 on Diners Black Metal, 7,500 on Diners Club Black and BizBlack Metal and 4,000 on Regalia Gold.

Accelerated points from GyFTR and Woohoo brand vouchers are limited to a separate 3,000 reward points a month, with the overall monthly caps unchanged.

MakeMyTrip ICICI cards carried domestic airport lounge access with no previous-quarter spend requirement.

Domestic lounge access requires ₹75,000 of spend in the previous quarter, about ₹25,000 a month, with the threshold resetting every quarter.

Etihad Guest was a Membership Rewards airline transfer partner, a useful route for certain Gulf and onward award redemptions.

Etihad Guest is off the Membership Rewards transfer-partner list worldwide; 30 June 2026 was the last confirmed day to transfer.

Dynamic Currency Conversion cost 1% plus GST on standard cards, and transport spending carried no fee.

Dynamic Currency Conversion costs 2% plus GST on standard cards, and cumulative transport spends above ₹40,000 a cycle carry 1% plus GST.

The 1% plus GST fuel fee applied only once cumulative fuel spends crossed ₹50,000 in a statement cycle.

The 1% plus GST fuel fee applies once cumulative fuel spends cross ₹30,000 in a statement cycle on standard cards.

Clearing a bill in full after a partial payment restored the interest-free period on the very next cycle.

The interest-free period returns only after two consecutive billing cycles are paid in full and on time.

One Jewel redeemed at ₹0.20, worth 10 percent on listed shopping brands and 1 percent on UPI and offline base spend.

One Jewel redeems at ₹0.14, worth about 7 percent on listed shopping brands and about 0.7 percent on base spend.

Dynamic currency conversion markup on the Regalia Gold and Diners Club Privilege was 1.00 percent and card reissuance cost ₹100.

The dynamic currency conversion markup is 1.75 percent, card reissuance costs ₹199, and replacing a premium metal card costs ₹3,500.

4 reward points per ₹150 spent, which works out to 2.67 points per ₹100.

5 reward points per ₹200 spent, which works out to 2.5 points per ₹100.

Tata Neu app spends earned 5 percent back in NeuCoins no matter which card actually paid, including a rival card routed through UPI.

The 5 percent NeuCoins reward applies only when the Tata Neu HDFC card itself makes the payment.

Fuel surcharge waivers on the Tata Neu cards carried no stated monthly cap and plain mobile recharges carried no convenience fee.

Fuel surcharge waivers are capped at ₹250 a month on the Tata Neu Plus variant and ₹500 on the Tata Neu Infinity, and convenience fees now apply to plain mobile recharges.

Travel Edge partners were not split into tiers and carried no stated annual transfer limit or airline sub-limit.

Atlas holders can move 1,50,000 EDGE Miles a year with only 30,000 into Group A airlines; Magnus holders get 5,00,000 points with a 1,00,000 Group A sub-limit, and caps do not pool across cards.

Travel Edge transfer partners included Accor Live Limitless, Marriott Bonvoy and Qatar Airways Privilege Club, with 2,000 Accor ALL points fixed at exactly €40 of hotel credit.

Accor, Marriott Bonvoy and Qatar Airways are off the Travel Edge list, replaced by British Airways Executive Club, Finnair Plus and Vietnam Airlines Lotusmiles.

Atlas transferred at 1 EDGE Mile : 2 points, Magnus at 5 EDGE points : 4, Olympus at 1 EDGE Mile : 4 points and Horizon at 1 EDGE Mile : 1 point.

Atlas transfers at 2 EDGE Miles : 1 point (~75% drop), Magnus at 5 EDGE points : 2, Olympus at 1 EDGE Mile : 2 points and Horizon at 2 EDGE Miles : 1 point (~50% each); only Burgundy Private keeps 5:4.

A single ₹5,000 monthly cashback ceiling covered all spend, so 5% online earning ran to ₹1,00,000 of eligible online spend a month.

₹2,000 of cashback per statement cycle on online spend at 5%, ₹2,000 on offline spend at 1%, and a hard ₹4,000 aggregate, so the 5% rate maxes out at ₹40,000 of eligible online spend.

Digital gaming, toll and government transactions earned cashback at the card's 5% online or 1% offline rate, with exclusions limited to fuel, wallet loading, rent, utilities, insurance, jewellery, education and railways.

Digital gaming, tolls and government transactions are added to the exclusion list and earn no cashback.

Statement-credit redemption of reward points carried no stated monthly ceiling or redemption multiple.

Statement-credit redemption is capped at 60,000 reward points a month, in multiples of 4,000.

Overlimit was available, giving cardholders emergency headroom above the sanctioned credit limit.

Overlimit is disabled portfolio-wide, so any transaction that would push past the sanctioned limit is declined outright.

Utility and service spends carried no monthly fee threshold and wallet loads carried no fee.

Utility and service spends attract a fee above ₹25,000 a month on standard cards, ₹50,000 on Marquee and Reserv and ₹1,00,000 on Private, and wallet loads above ₹2,000 carry a 1 percent fee capped at ₹5,000 per transaction.

Infinia and Diners Club Black could be held without any stated annual spend or relationship-balance requirement.

Selected holders must spend more than ₹18 lakh in the year to 31 March, counting add-on cards, or hold ₹50 lakh in total balances with the bank, or face a downgrade.

Milestones paid 15,000 points at ₹1.9 lakh and 25,000 points plus a ₹10,000 Taj voucher at ₹4 lakh, so ₹4 lakh of spend collected 40,000 Membership Rewards points and the voucher.

Milestones pay 7,500 points at ₹1.9 lakh, 10,000 points and no voucher at ₹4 lakh, and 22,500 points plus the ₹10,000 Taj voucher only at a new ₹7 lakh tier.

Domestic airport lounge access was earned with ₹10,000 of spend in the previous month.

Domestic airport lounge access needs ₹20,000 of spend in the previous month.

Utility bills and large insurance premiums earned rewards and were the usual way to clear the ₹10,000 monthly lounge bar.

Utility bills and large insurance premiums are cut out of reward earning entirely.

Base earn rate of one reward point per ₹150 of spend.

Base earn rate of one reward point per ₹200 of spend.

Movie-ticket discounts at their full value, and a fuel surcharge waiver on the co-branded HPCL fuel cards.

Movie-ticket discounts halved, and no fuel surcharge waiver on the co-branded HPCL fuel cards.

Lounge access needed ₹5,000 of monthly spend.

Lounge access needs ₹20,000 of monthly spend.

Missing the minimum amount due did not cancel the reward points earned in that billing cycle.

Missing the minimum amount due by the payment date reverses every reward point earned in that billing cycle, cancelled outright rather than paused.

No surcharge on utility spends and no charge on rent or property-management payments.

Utility spend above ₹20,000 in a month carries a 1 percent fee and rent or property-management payments attract a flat ₹249.

Skill-gaming spends, wallet loads and commercial transport spends carried no transaction fee on ICICI credit cards.

2% on skill-gaming spends, 1% on wallet loads above ₹5,000 a month, 1% on commercial transport spends above ₹50,000, and a dynamic currency conversion markup from 1.99% on Amazon Pay variants up to 3.5% across the standard portfolio.

iShop vouchers returned close to 18% on the Emeralde Private Metal and about 12% on the Times Black.

The same iShop voucher route returns roughly 3% on the Emeralde Private Metal and about 2% on the Times Black.