# Credit card changes in India, July 2026 · Brief July 2026: 14 changes to Indian credit cards, 7 of them devaluations, across 23 cards from 8 banks. Every change dated July 2026, by the day it takes effect, each with its grade, its source and the day it was last checked. 14 changes · current to 22 October 2026 ## [Your IDFC First points now expire](https://getbrief.cards/changes/idfc-expiry) Devaluation · 1 July 2026 From the July 2026 statement cycle, IDFC FIRST Wealth reward points are valid for 24 months from the date they are credited. [IDFC First Wealth](https://getbrief.cards/cards/idfc-first-wealth) ✓ official · checked 2 October 2026 · Source: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/FIRST-Wealth-Credit-Card-Communication-May-26.pdf ## [Diners Club Privilege lounge is now spend-gated from 1 Jul 2026](https://getbrief.cards/changes/dcp-lounge-gate-2026) Lounge gating · 1 July 2026 From 1 July 2026 HDFC Diners Club Privilege gives 3 complimentary lounge visits a calendar quarter, 2 in India and 1 abroad, only after ₹60,000 of spend in the quarter before. [HDFC Diners Club Privilege](https://getbrief.cards/cards/hdfc-diners-privilege) ✓ official · checked 22 October 2026 · Source: https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Diners-Privilege-Product-Feature-Change.pdf ## [Regalia Gold domestic lounge is now spend-gated from 1 Jul 2026](https://getbrief.cards/changes/rg-lounge-gate-2026) Lounge gating · 1 July 2026 From 1 July 2026 HDFC Regalia Gold’s 3 domestic lounge visits a calendar quarter need ₹60,000 of spend in the quarter before; until June 2026 they needed no spend. [HDFC Regalia Gold](https://getbrief.cards/cards/hdfc-regalia-gold) ✓ official · checked 22 October 2026 · Source: https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Regalia-Gold-Product-feature-change.pdf ## [IndusInd Indulge domestic lounge becomes spend-gated (Jul 2026)](https://getbrief.cards/changes/indulge-lounge-gate) Lounge gating · 1 July 2026 From July 2026 IndusInd Indulge’s 6 complimentary domestic lounge visits a quarter need ₹5,00,000 of spend in the quarter before. [IndusInd Bank Indulge Credit Card](https://getbrief.cards/cards/indusind-indulge) ✓ official · checked 22 October 2026 · Source: https://www.indusind.bank.in/content/dam/indusind-corporate/Other/Lounge-Terms-and-Conditions.pdf ## [PhonePe SBI SELECT BLACK & PURPLE: reward caps cut, new exclusions](https://getbrief.cards/changes/phonepe-sbi-deval-2026) Devaluation · 1 July 2026 From 1 July 2026 the PhonePe SBI cards cut their monthly reward-point caps (SELECT BLACK: other-PhonePe 750/mo, insurance-via-PhonePe 500/mo; PURPLE: online 750/mo, insurance-via-PhonePe 250/mo). [PhonePe SBI Card SELECT BLACK](https://getbrief.cards/cards/phonepe-sbi-select-black), [PhonePe SBI Card PURPLE](https://getbrief.cards/cards/phonepe-sbi-purple) ✓ official · checked 1 July 2026 · Source: https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/PhonePe-Black-pdf-27Apr2026.pdf ## [HDFC SmartBuy: 3,000 ARP/month sub-cap introduced on brand vouchers (Gyftr/Woohoo)](https://getbrief.cards/changes/hdfc-smartbuy-arp-cap-2026) Devaluation · 1 July 2026 Around 1 July 2026 HDFC capped accelerated reward points (ARP, the bonus portion only; base earn unaffected) on SmartBuy brand-voucher purchases (Gyftr/Woohoo) at 3,000 a month. [HDFC Infinia Metal](https://getbrief.cards/cards/hdfc-infinia-metal), [HDFC Diners Club Black Metal](https://getbrief.cards/cards/hdfc-diners-club-black-metal), [HDFC Regalia Gold](https://getbrief.cards/cards/hdfc-regalia-gold), [HDFC Diners Club Privilege](https://getbrief.cards/cards/hdfc-diners-privilege) community-verified · checked 1 July 2026 · Source: https://offers.smartbuy.hdfc.bank.in/offer_details/smartbuy/15282 ## [IndiGo BluChip and Accor ALL points now convert both ways](https://getbrief.cards/changes/indigo-accor-2026) Partner added · 13 July 2026 Since 13 July 2026 IndiGo BluChips and Accor ALL Reward points convert both ways, an India-first reciprocal exchange between an airline and a hotel programme: 6,000 BluChips convert to 1,000 ALL Reward points, and 3,000 ALL Reward points to 2,000 BluChips. IndiGo BluChip, IndiGo BluChip Miles, ALL Reward Points ✓ official · checked 17 July 2026 · Source: https://www.goindigo.in/loyalty/partners/accor-hotels.html ## [BOBCARD raises revolving interest to 3.75% a month on Eterna and Tiara](https://getbrief.cards/changes/bob-interest-2026-07) Devaluation · 15 July 2026 From 15 July 2026 the BOBCARD finance charge moved from 3.25% a month to 3.75%, which is 45% a year instead of 39%. [BOBCARD Eterna Credit Card](https://getbrief.cards/cards/bob-eterna), [BOBCARD Tiara](https://getbrief.cards/cards/bobcard-tiara) verified · checked 20 August 2026 · Source: https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf ## [BOBCARD nearly doubles the spend needed for domestic lounge access](https://getbrief.cards/changes/bob-lounge-gate-2026-10) Lounge gating · 15 July 2026 Eterna and Tiara need ₹75,000 of spend in the previous calendar quarter instead of ₹40,000, from 15 July 2026. [BOBCARD Eterna Credit Card](https://getbrief.cards/cards/bob-eterna), [BOBCARD Tiara](https://getbrief.cards/cards/bobcard-tiara) ✓ official · checked 20 October 2026 · Source: https://media.bobcard.co.in/media/0aqczg5p/final-revision-in-charges-benefits-effective-july-202615.pdf ## [ICICI Manchester United Platinum discontinued for new issuance](https://getbrief.cards/changes/icici-manutd-discontinued-2026) Devaluation · 20 July 2026 By July 2026 ICICI had stopped issuing the Manchester United Platinum card: its product pages, and the Signature tier’s, now redirect to the ICICI homepage, and the card is not shown in ICICI’s all-cards listing. [ICICI Manchester United Platinum](https://getbrief.cards/cards/icici-manutd-platinum) verified · checked 21 October 2026 · Source: https://cardinsider.com/icici-bank/icici-bank-manchester-united-platinum-credit-card/ ## [IndiGo IDFC FIRST cuts BluChips on FASTag, railway, govt & education](https://getbrief.cards/changes/idfc-indigo-deval-2026) Devaluation · 22 July 2026 From 22 July 2026 the IndiGo IDFC FIRST card earns 0.5 BluChips per ₹100 on FASTag, railway, government and education spends. [IndiGo IDFC FIRST Credit Card](https://getbrief.cards/cards/indigo-idfc-first), IndiGo BluChip Miles ✓ official · checked 21 October 2026 · Source: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/IndiGo-IDFC-FIRST-Credit-Card-Communication-May-26.pdf ## [Qatar Airways Privilege Club is an Axis transfer partner again](https://getbrief.cards/changes/axis-qatar-reinstated) Improvement · 26 July 2026 Qatar Airways Privilege Club is back on the Axis Travel EDGE partner list, reversing the April 2026 removal. [Axis Magnus](https://getbrief.cards/cards/axis-magnus-std), [Axis Magnus for Burgundy](https://getbrief.cards/cards/axis-magnus-burgundy), [Axis Atlas](https://getbrief.cards/cards/axis-atlas), [Axis Reserve](https://getbrief.cards/cards/axis-reserve), [Axis Bank Olympus Credit Card](https://getbrief.cards/cards/axis-olympus), [Axis Bank Horizon](https://getbrief.cards/cards/axis-horizon), [Axis Burgundy Private](https://getbrief.cards/cards/axis-burgundy-private), [Axis Bank SELECT](https://getbrief.cards/cards/axis-select), [Axis Bank Privilege](https://getbrief.cards/cards/axis-privilege), [Axis Bank REWARDS](https://getbrief.cards/cards/axis-rewards), Qatar Airways Privilege Club, Avios (Qatar Privilege Club) ✓ official · checked 20 August 2026 · Source: https://traveledge.axis.bank.in/travel/common/termsandcondition ## [HSBC Live+ cuts its forex markup and lifts the cashback cap](https://getbrief.cards/changes/hsbc-liveplus-2026-07) Improvement · 26 July 2026 From 26 July 2026 foreign spends on Live+ cost 1.99% instead of 3.5%, and the 10% accelerated tier caps at ₹1,200 a month instead of ₹1,000. [HSBC Live+ Credit Card](https://getbrief.cards/cards/hsbc-live-plus) ✓ official · checked 20 August 2026 · Source: https://www.hsbc.co.in/credit-cards/products/live-plus/ ## [HSBC Live+: the 1.5% base cashback no longer accrues on international spends](https://getbrief.cards/changes/hsbc-liveplus-intl-cashback-2026) Devaluation · 26 July 2026 From 26 July 2026 the HSBC Live+ card no longer earns its 1.5% base cashback on international and foreign-currency spends, in the same revision that cut the forex markup (3.5% → 1.99%) and lifted the accelerated-tier cap (₹1,000 → ₹1,200 a cycle). [HSBC Live+ Credit Card](https://getbrief.cards/cards/hsbc-live-plus) ✓ official · checked 23 September 2026 · Source: https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/live-plus-credit-card-services-guide.pdf ## Questions this page answers ### What changed on Indian credit cards in July 2026? As of 22 October 2026, 14 changes are on record for July 2026: Your IDFC First points now expire; Diners Club Privilege lounge is now spend-gated from 1 Jul 2026; Regalia Gold domestic lounge is now spend-gated from 1 Jul 2026; IndusInd Indulge domestic lounge becomes spend-gated (Jul 2026); PhonePe SBI SELECT BLACK & PURPLE: reward caps cut, new exclusions; HDFC SmartBuy: 3,000 ARP/month sub-cap introduced on brand vouchers (Gyftr/Woohoo); IndiGo BluChip and Accor ALL points now convert both ways; BOBCARD raises revolving interest to 3.75% a month on Eterna and Tiara and 6 more. ### Which credit card devaluations are dated July 2026? As of 22 October 2026, 7: Your IDFC First points now expire; PhonePe SBI SELECT BLACK & PURPLE: reward caps cut, new exclusions; HDFC SmartBuy: 3,000 ARP/month sub-cap introduced on brand vouchers (Gyftr/Woohoo); BOBCARD raises revolving interest to 3.75% a month on Eterna and Tiara; ICICI Manchester United Platinum discontinued for new issuance; IndiGo IDFC FIRST cuts BluChips on FASTag, railway, govt & education and HSBC Live+: the 1.5% base cashback no longer accrues on international spends. ### Which banks changed their credit cards in July 2026? As of 22 October 2026, HDFC (3), BOBCARD (2), HSBC (2), IDFC FIRST (2), Axis (1), ICICI (1), IndusInd (1) and SBI (1). ## Other months - [November 2026](https://getbrief.cards/changes/november-2026) - [October 2026](https://getbrief.cards/changes/october-2026) - [September 2026](https://getbrief.cards/changes/september-2026) - [August 2026](https://getbrief.cards/changes/august-2026) - [June 2026](https://getbrief.cards/changes/june-2026) - [May 2026](https://getbrief.cards/changes/may-2026) - [April 2026](https://getbrief.cards/changes/april-2026) - [January 2026](https://getbrief.cards/changes/january-2026) - [June 2025](https://getbrief.cards/changes/june-2025) --- Dates are the issuer’s, not Brief’s. A change that has been announced but has not taken effect yet reads “from” and sits at the top. Where an issuer published no date, the earliest dated confirmation stands in its place, and the entry is marked verified rather than official. Every change, dated: https://getbrief.cards/changes Canonical: https://getbrief.cards/changes/july-2026