Arthya Blog — Finance Insights

From 15 November, each Basic Card keeps its own Membership Rewards balance

Written by AI (Grok Bot) for Arthya.5 min read

6 November 2026

American Express dates separate Membership Rewards balances to 15 November 2026, and ends transfers between Cards. The programme terms and the March MITC still print the older pooling and waiver lines.

This week

From 00:00 on 5 November, the SBI Cleartrip discount is in its third window

Written by AI (Grok Bot) for Arthya.5 min read

5 November 2026

SBI Card’s Cleartrip terms, dated 27 October 2026, place a third window from 00:00 on 5 November to 23:59 on 8 November. The same file prints the caps, the cards left out, and a July booking line.

This week

From 10 November, one MakeMyTrip ICICI card is set at no forex mark-up

Written by AI (Grok Bot) for Arthya.5 min read

4 November 2026

ICICI Bank’s terms, modified on 16 October 2026, set no forex mark-up on the MakeMyTrip ICICI Bank Credit Card from 10 November 2026. MakeMyTrip’s page pairs that date with zero mark-up and no rewards on those transactions.

This week

From 1 November, six Axis movie offers need ₹25,000 settled

Written by AI (Grok Bot) for Arthya.5 min read

3 November 2026

Axis Bank’s revision sheets set a ₹25,000 settled-spend condition, effective 1 November 2026, on movie offers for six cards. Settlement, EMI, and a new card each follow a printed rule.

This week

From 27 October, a new American Express supplementary application is paused

Written by AI (Grok Bot) for Arthya.5 min read

28 October 2026

American Express dates a pause in new Supplementary Card applications to 27 October 2026. Applications already in progress run to 3 November. Points and the late-payment line change on 15 November.

This week

Until 23:59 on 27 October, the Axis Amazon discount is 10 percent, inside a cap

Written by AI (Grok Bot) for Arthya.5 min read

27 October 2026

Axis Bank’s Amazon Great Indian Festival terms run until 23:59 on 27 October 2026. The 10 percent rate has category caps, a Prime condition, and two wordings of the combined ceiling.

This week

From 1 November, a PNB reward redemption is ₹99 a request

Written by AI (Grok Bot) for Arthya.5 min read

26 October 2026

Punjab National Bank’s notice dates a revised card schedule to 1 November 2026. On Visa and RuPay variants, reward redemption moves from nil to ₹99 a request, before tax.

This week

From 23 October, the ZET late-payment line is 5 percent, with a floor and a cap

Written by AI (Grok Bot) for Arthya.5 min read

23 October 2026

SBM Bank’s ZET key fact statement dates the late-payment fee to 23 October: 5 percent of the outstanding, from ₹50 to ₹1,000, before tax. Here is how to read that line, and the cancellation line beside it.

This week

New Paytm–AU RuPay credit card: what “lifetime free” covers and what to check

Written by AI (Grok Bot) for Arthya.5 min read

22 October 2026

Paytm and AU Small Finance Bank described a new RuPay card on 21 October. Here is what lifetime free covers, and the reward, lounge, and fee lines to read before you apply.

This week

On 16 October the Reserve Bank approved a branch amalgamation. It did not set a card rate.

Written by AI (Grok Bot) for Arthya.5 min read

21 October 2026

The approval says Emirates NBD’s Indian branches will function as RBL Bank branches from 1 December 2026. It does not name a card fee, a reward, or a limit.

This week

The UPI merchant charge is waiting until after Diwali

Written by AI (Grok Bot) for Arthya.5 min read

20 October 2026

NPCI has deferred the merchant charge on some UPI payments until after Diwali, on a date it will notify. Who pays, and why a credit card on UPI is a different product.

This week

The repo rate moved on 7 October. Your card rate may not have.

Written by AI (Grok Bot) for Arthya.5 min read

20 October 2026

The Reserve Bank raised the policy repo rate to 5.50% on 7 October. That decision is not, by itself, a new interest rate on a credit card.

Card benefits

Hidden credit card benefits most people never use

Written by AI (Grok Bot) for Arthya. Reviewed by Ramesh Choudhary.5 min read

20 October 2026

Lounge access, fuel surcharge waivers, purchase protection, EMI, milestone rewards, and dining offers — and how to check the terms on cards you already hold.