Card changes
In the banks' own words, from their own documents. Updated daily.
20 changes from 4 banks
From 10 Nov 2026 no forex mark-up will be levied on the MakeMyTrip ICICI Bank Credit Card, per the bank's Most Important Terms and Conditions.
“No Forex Mark-up will be levied on the MakeMyTrip ICICI Bank Credit Card (w.e.f. <Nov 10, 2026>)”
Source: MITC Cc
Change to reward points
“Reward points on other MakeMyTrip spends 1% myCash on other domestic spends (w.e.f Nov 10, 2026).”
Change to reward points
“International spends outside MakeMyTrip No rewards (w.e.f Nov 10, 2026).”
Change to the currency conversion (DCC) charge
“No Dynamic Currency Conversion fee will be levied for the MakeMyTrip ICICI Bank Credit Card with effect from <Nov 10, 2026>.”
Source: MITC Cc
Change to add-on and account cards
“You can continue to use an existing Account Card issued in your name to separate and track certain Card transactions as you do today. Effective 15 November 2026, new Account Cards will no longer be available. If you’re planning to get a new Account Card, please apply by 27 October 2026.”
Source: americanexpress.com
Change to the annual fee waiver
“The 50% Annual Fee Waiver on spends of ₹90,000 or more in a Card Membership year will not be available, effective 15 November 2026.”
Source: americanexpress.com
Change to add-on and account cards
“Effective 15 November 2026, new Account Cards will no longer be available. You can apply for a new Account Card until 27 October 2026 via the Online Account on the website or app. (Eligible for Centurion Card, American Express Platinum Card, American Express Platinum Reserve Credit Card, and American Express Gold Card only)”
Source: americanexpress.com
American Express notice for its cardholders - the bank's paper does not list which cards
Change to reward points
“Effective 15 November 2026 you will be able to redeem your points directly within the new Amex Mobile App. When redeeming for a statement credit, you will also be able to apply your points towards your outstanding Card balance in one go, without having to select individual transactions.”
Source: americanexpress.com
American Express notice for its cardholders - the bank's paper does not list which cards
Change to reward points
“Effective 15 November 2026, the point balance will be maintained at the individual Card level. Accordingly, redemptions will need to be made based on the point balance available on the respective Card.”
Source: americanexpress.com
American Express notice for its cardholders - the bank's paper does not list which cards
Change to points transfers
“Effective 15 November 2026, the ability to transfer Membership Rewards points from one Card to another will be permanently discontinued.”
Source: americanexpress.com
American Express notice for its cardholders - the bank's paper does not list which cards
Change to late payment fees
“Your Late Payment Fee will now be based on applicable fee slabs, calculated basis your Total Amount Due instead of Minimum Amount Due. These slabs will range from ₹500 to ₹1,250. For more details, please refer to the updated Most Important Terms & Conditions (MITC) effective 15 November 2026.”
Source: americanexpress.com
American Express notice for its cardholders - the bank's paper does not list which cards
Bank-wide change
“We’re upgrading the technology that supports your American Express Account, effective 15 November 2026, to provide a smoother and more intuitive Card and Account experience. During this transition, some services will be temporarily unavailable or may take a little longer than usual.”
Source: americanexpress.com
American Express notice for its cardholders - the bank's paper does not list which cards
Change to reward points
“Effective 15 November 2026, eligible transactions will be considered for points or vouchers based on the transaction posting date rather than the purchase date. If a transaction is posted in a later month, it will be considered towards the applicable rewards or spend milestone for the month in which it is posted, subject to the relevant eligibility criteria.”
Source: americanexpress.com
From 15 Nov 2026, complimentary memberships linked to the card will be renewed only with the cardholder's explicit consent.
“Effective 15-11-2026: [...] Complimentary memberships linked to your credit card will be renewed only with your explicit consent.”
Source: Terms and Conditions Magnus
Change to complimentary memberships
“Effective 15-11-2026: Complimentary memberships linked to your credit card will be renewed only with your explicit consent. Renewal details, including consent options, will be shared closer to the renewal date. Please click here to view the list of applicable memberships.”
Source: Terms and Conditions Reserve
Change to complimentary memberships
“Effective 15-11-2026: Complimentary memberships linked to your SELECT Credit Card will be renewed only with your explicit consent. Renewal details, including consent options, will be shared closer to the renewal date. Please click here to view the list of applicable memberships.”
Source: Terms and Conditions Select
Change to reward points
“Effective 25-Nov-2026, to use your Tata NeuCoins earned on Tata Neu HDFC Bank Credit Card spends, primary card holder has to claim them through the Tata Neu App.”
Source: hdfc.bank.in
Change to reward points
“Effective 25-Nov-2026, Tata NeuCoins earned on your Tata Neu HDFC Bank Credit Card will no longer be automatically credited to your Tata Neu Membership Account.”
Source: hdfc.bank.in
HDFC Bank notice for its cardholders - the bank's paper does not list which cards
Change to reward points
“TATA Neucoins have no monetary value, are not convertible and will on a periodic basis be transferred to the TATA Neu Loyalty Program membership linked to the Cardmember. With effect from 25-Nov-2026, cardholder needs to initiate the transfer of TATA NeuCoins earned on the Co- branded Card, as per the process prescribed from time to time on the product page on the Bank’s website.”
Source: Card Member Agreement
HDFC Bank notice for its cardholders - the bank's paper does not list which cards
Change to reward points
“All TATA Neucoins earned by the Cardmember on the Cobranded Card will be transferred to the Cardmembers with TATA Neu Loyalty Program membership and shall be utilizable as TATA Neucoins in accordance with and under the terms and conditions of the TATA Neu Loyalty Program and cannot be utilised or redeemed in any other manner whatsoever. With effect from 25-Nov-2026, cardholder needs to initiate th…”
Source: Card Member Agreement
Every Sunday. What your bank changed this week — before your statement tells you.
