What Changed

Full data refresh: Axis Airtel, Atlas, Magnus devaluations applied. HDFC Tata Neu Infinity/Plus reward structure corrected. Scapia Feb 2026 changes. HDFC Swiggy ₹249 min + closed to new applicants. StanC availability flagged. Vistara→Air India sitewide.

RBI repo rate at 5.25% (held Jun 2026). Home loan rates dropped ~125bps — SBI now ~7.25%, HDFC ~7.75%. FD rates down ~50bps across banks. Learn pages updated.

Budget 2025 slabs confirmed unchanged in Budget 2026. New regime ₹12.75L tax-free (salaried). Learn/tax hub recomputed.

Major devaluation effective Apr 12. 10% limited to Zomato/Blinkit/District only (was dining/groceries/utilities). Each partner capped ₹200/mo, min order ₹499. Lounge access discontinued.

Transfer partners reshuffled Apr 2. Qatar Airways, Marriott Bonvoy, Accor removed. New partners (BA Avios, Vietnam Airlines, Finnair) at worse 2:1 ratio. Magnus lounge capped at 8 intl/year.

Min ₹249 per transaction for 10% cashback (Apr 17). Card closed to new applicants Mar 12 — replaced by BLCK (₹1,499) and ORNGE (lower fee, 5%) variants.

Travel rate cut from 5% to 4% (Feb 27). Utility bills and insurance excluded from rewards AND lounge milestone. New intl airport duty-free perk added.

Lounge reduced to 1 domestic/quarter (was 4). International lounge access removed. Spend conditions added.

Total cap reduced ₹5K→₹4K per cycle. Sub-caps: ₹2K online + ₹2K offline. Digital gaming, tolls, govt transactions excluded.

Effective cashback rates verified from bank product pages for HDFC, SBI, ICICI, Axis, and other banks. Cap calculations confirmed.

Database expanded from 25 to 75 cards covering 18+ banks. New cards include Axis Magnus, HDFC Tata Neu, Scapia, HSBC Live+, Amex MRCC, and more. All marked as unverified — verification ongoing.

Premium variant of HDFC Swiggy card added. 10% on Swiggy, 5% on travel/online/entertainment. Swiggy One BLCK membership included.

Base rate confirmed at 1.33% effective (cashback). Travel redemption via SmartBuy gives 3.33% base, up to 13.33% on flights/hotels.

Monthly cashback cap is ₹500 on accelerated categories (5% bills + 4% food). After cap, accelerated drops to 0%. Base 1.5% is uncapped.

Confirmed: 5% Prime, 3% non-Prime, 2% Amazon Pay partners, 1% other. No monthly cap. Lifetime free.

Federal Bank's zero-forex travel card added. 5% on travel/dining, 2% on everything else, zero forex markup, unlimited lounge with spend criteria. Lifetime free.

Benefits being downgraded from April 2026. Lounge access removed. Zomato/Blinkit getting 10% value back, Airtel bills 25% cashback with ₹250 cap.