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Devaluation, Revaluation Alerts and Regular Updates – All Latest Updates in One Place

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Date : 1st Sep 2025
Credit Card : IndusInd Bank
Devaluation Alert

Another IndusInd reward redemption devaluation

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Apply For LTF IndusInd Bajaj Tiger Credit Card
🚨Alerts: ICICI Bank’s New Minimum Balance Rules (Effective August 1) 🚨

What’s changed?
From August 1, 2025, ICICI Bank has raised the Minimum Monthly Average Balance (MAB) for new savings account holders in certain areas:

Region New MAB Requirement

Metro & Urban ₹50,000 🚨
Semi-urban ₹25,000 🚨
Rural ₹10,000 🚨


This marks a significant jump for instance, metro/urban MAB has increased from ₹10,000 to ₹50,000 (a whopping 400% hike) .

Penalty for falling short:
If the average balance falls below the required level, a penalty applies: 6% of the shortfall or ₹500, whichever is lower .

Who’s exempt?

Existing customers continue with their current MAB requirements.

Salary accounts are not affected by this change...

Source: https://economictimes.indiatimes.co...1-for-new-customers/articleshow/123202116.cms
 
Update: Add-On Card Application Portal Returns on 15th August 💳

Axis Bank customers, here’s some welcome news!
The previously discontinued Add-On Credit Card application option is set to return on 15th August, this time integrated directly into the Axis Bank Mobile App.

No more hunting for external links or waiting for offline processing everything will be available in-app for a smoother, faster experience.

Stay tuned and ensure your mobile app is updated to the latest version before the launch.
 

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Apply For LTF Axis Bank Credit Card
ICICI Savings Account NMMAB Changes New
Everyone, check the ICICI Bank New Circular before opening a new account.
Urban: 50K MAB
Semi-Urban: 25K MAB
Rural: 10K MAB
Charges:
3 free Cash Deposits & Withdrawals/month, free after that 150/transaction.
NMMAB charges 6% of Shortfall Amount or 500, whichever is lower.
Effective From 1st August,2025. Old accounts are not affected and remain unchanged. The Salary Account will remain at a 0 balance, with no change.

Cash Deposits & Withdrawal across branches & deposits
in Cash Recycler Machine: Value Limit - Complimentary up to ₹1 lakh per month cumulative. Thereafter, ₹ 3.5 per ₹ 1,000 or ₹ 150 whichever is higher.

If the threshold of both number and value limits has crossed for the same transaction, the higher of the charges mentioned above on the number limit or the value limit will apply.
 
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  • New
    • Guys please spare this thread from discussion.

    This thread is an exceptional thread actively managed by @Fini7777 to keep /trace all devaluation/ revaluation important updates.

    Can't we do discussion in somewhere else? Please.
    @Fini7777 what u think? Please delete this post as well while doing your clean-up exercise.

    If possible, shift those discussions to icici mab change thread by bifurcation then merging. That might be difficult. Please do whatever you feel right.

    ICICI MAB Discussion Thread Here: https://www.technofino.in/community...ount-users-mab-updated-august-1st-2025.43281/
     
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    Date: With effect from 1-08-2025
    Credit Card: Kotak Privy League Signature CC

    Devaluation Alert / Update / Revaluation Alert:
    For those who have LTF Privy League Signature CC as a perk of maintaining Privy League account status, beware Kotak has stopped crediting 6400 RPs from this quarter onwards.

    Source: Verbal communication from customer services
     
    HDFC Bank revised fees and charges from August 1, 2025:

    Cash transactions are limited to 4 free per month; ₹150 per transaction beyond that.

    The free monthly cash transaction value limit lowered from ₹2 lakh to ₹1 lakh per account.

    Third-party daily cash transaction limit is ₹25,000 at any branch; above this, not permitted.

    Charges for balance certificates, interest certificates, and address proof now ₹100 per instance.

    ECS/ACH return charges have been increased.

    Source: https://m.economictimes.com/wealth/...-from-august-1-2025/articleshow/123280336.cms
     
    NPCI introduced new UPI rules from August 1, 2025: Balance check capped at 50/day/app, autopay restricted to non-peak hours, and limited account view/checks. These aim to improve UPI transaction efficiency and system load

    Key financial changes in August 2025

    CategoryChangeEffective Date / Details

    UPI transactions- Balance check limit: 50/day per app

    - Auto-pay only during non-peak hours

    - Mandatory balance updates after each transactionFrom August 1, 2025

    UPI Credit LineLink pre-approved credit lines (FDs, shares, loans, etc.) to UPI for payments, withdrawalsFrom August 31, 2025

    Repo & TREP trading hoursExtended to 9 AM–4 PM (was till 3 PM)From August 1, 2025

    Source: https://upstox.com/news/personal-fi...-lpg-cng-price-reset-and-more/article-178708/
     
    Paytm wallet charges some wallet maintenance and wallet loading fees from August 2025, while NPCI introduced wallet loading-related service fees above ₹2,000 paid by wallet issuers

    Paytm and PhonePe both charge a fee for different services they offer. While some services remain free, like UPI transactions, which don’t have any MDR (merchant discount rate) as per NPCI guidelines, customers and merchants do have to pay for certain services.

    Both Paytm and PhonePe are free for basic UPI transactions by users.

    Merchants pay slightly lower fees on PhonePe wallets for transactions above ₹2,000.

    Paytm levies wallet maintenance charges quarterly, waived on activity or closure within 30 days, while PhonePe doesn’t charge maintenance fees.

    Wallet loading fees vary, with Paytm pricing credit card and net banking loading slightly higher.

    PhonePe generally offers lower fees and free subscription for merchants, focusing on free merchant onboarding.

    Paytm charges platform fees for some bill payments, PhonePe fees depend on the service provider.

    Merchants pay more complex fee structures on Paytm based on payment method.

    Source: https://upstox.com/news/personal-fi...yments-platform-fee-compared/article-179787/?
     
    🚨 HSBC launches Rewards Marketplace!

    Finally HSBC launches accelerated rewards program!

    ✈️ 6X on flights
    🏨 12X on hotels

    Upto 72% rewards as Accor points!!! 🔥🔥🔥
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    Earn or burn from the app!

    Burn 1:1

    Or earn up to 72% rewards!!! 💥
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    Other features

    1. Cancel for free!

    Option to cancel your flights or hotel stays up to 3 hours before and get up to a 100% refund.

    2. Price drop protection

    If the flight price drops (10 days from booking), we will refund the difference to you in travel credits up to a maximum of INR1500.

    3. Low convenience fees

    Rs 300 for domestic flights and Rs 700 for international flights,

    4. Car rental is also for accelerated rewards at 2X!

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    Reward Rate on various HSBC cards 👇

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    Reward rate:

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    ▪️Hotels 12X: 36% airmiles or 72% Accor
    ▪️Flights 6X: 18% airmiles or 36% Accor
    ▪️ Car rental 2X: 6% airmiles or 12% Accor

    Remember that Accor transfers are unlimited without any caps. 😈

    Eligibility 👇🏻
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    🚨 Flipkart 🤝 Marriott Bonvoy

    A super exciting update, coming soon!!

    🔄 Link accounts, swap rewards:

    - Flipkart SuperCoins ↔ Marriott Bonvoy Points

    - Conversion ratio:
    2 Bonvoy points = 1 SuperCoin
    2 SuperCoins = 1 Bonvoy point

    - Shop on Flipkart, earn hotel points & vice versa 🤯

    Marriott, Flipkart tie up for loyalty programmes; 2:1 conversion may raise value concerns

    The global integration lets 700 million members swap Marriott Bonvoy points and Flipkart SuperCoins, but the 2:1 exchange ratio risks diluting value for frequent converters.

    Source: https://www.livemint.com/companies/...stomers-taj-cleartrip-itc-11755602849071.html
     
    Guidelines New
    Hi Guys,
    It’s been a while since I looked at this thread again, and I truly appreciate all the active participation and contributions — it really means a lot.
    Big thanks to @Vasuki @kuchbhi @2025 @Anindya98 @saber.mbt @hellowo₹ld @HumorSimpson for all your suggestions and for keeping this thread running smoothly without fail!

    I know I’ve given quite some extra work to our fellow mods with discussions and deleted messages. Big thanks to them for keeping things neat. To make this thread even better and easier to follow, I’ve now implemented some guidelines:

    Guidelines​

    ✅ For Posting Alerts​

    Who Can Post
    • Only members with a TF Level of 'TF Select' or above are allowed to post alerts.
    Verification
    • Posts must include a valid source/link (official mailer, app notification, or credible screenshot).
    • No unverifiable rumors.
    • No duplicate posts — kindly check the last few entries before posting.

    💬 For Questions / Queries​

    • Discussions or clarifications should go to the dedicated discussion thread 👉 [Discussion Thread Link] (this will be provided in every post).
    • Any non-alert posts here will be deleted by EOD to maintain a clean archive.

    🚫 Not Allowed​

    • No promotions, referral content, or advertisements.
    • No off-topic or irrelevant posts.
    • No repetitive or duplicate alerts.
    ⚠️ Reminder: This thread should serve as a quick-scan bulletin board for devaluation/revaluation updates at a glance.
    Violation of rules may lead to deletion without notice.

    From here on, I’ll be concentrating more on maintaining this thread. I invite more of you to participate and help make this a verified go-to source for all regular updates.

    👉 My humble request: whoever is posting alerts, please follow the format (not necessarily colors, but at least the structure).
     
  • New
    • SBI Flipkart CC Launch - Aug'25 New
    SBI Card has launched the Flipkart SBI Credit Card, with features closely resembling the Axis Bank Flipkart card but with minor tweaks and category partner changes.

    🆕 Key Features & Benefits:​

    • Joining/Annual Fee: ₹500 + GST
    • Welcome Benefits:
      • ₹250 Flipkart Gift Card on fee realization
      • Limited Period Offer: Extra ₹500 Flipkart Voucher

    💰 Cashback Structure:​

    Merchant/CategoryCashback % %Capping
    🛍️ Flipkart5%₹4,000/quarter (per cat)
    ✈️ Cleartrip5%₹4,000/quarter
    👗 Myntra7.5%₹4,000/quarter
    🍔 Zomato / 🚖 Uber / 🎬 PVR / 💊 Netmeds4%₹4,000/quarter
    🛒 Other spends1%No capping
    ✅ Cashback applicable only on txn above ₹100
    ✅ Cashback credited automatically to statement
    ✅ Add-on card spends also eligible

    🧾 Fee Reversal Condition:​

    • Annual Fee waived on annual spends ≥ ₹3.5 Lakhs

    ⛽ Fuel Benefit:​

    • ⛽ 1% fuel surcharge waiver
    • Valid for transactions ₹500 – ₹4,000 (GST excluded)

    🔍 Other Key Notes:​

    • Card issued on Mastercard (default currently)
    • Apply via the Flipkart App or the SBI Card website
    • Cashback validity tied to active card status – any cancellation, default, or dispute = cashback forfeited
    Source: click here
     
  • New
    • @Fini7777 please don't post about newly launched cards , it will clutter the entire thread and no one can keep up with SBI launching cards like movies. Imagine members asking about how to apply, didn't cashback, will it work on bbd etc making this thread to run from Tenali to Manali. A thread on newly launched card hits 100 pages, and a thread about all the launches will be 404K pages, with information lost.

    Let this thread be purely a @D₹V (Devaluation ₹eValuation) thread. If possible maintain an index in the main post.
     
    HumorSimpson said:
    @Fini7777 please don't post about newly launched cards , it will clutter the entire thread and no one can keep up with SBI launching cards like movies. Imagine members asking about how to apply, didn't cashback, will it work on bbd etc making this thread to run from Tenali to Manali. A thread on newly launched card hits 100 pages, and a thread about all the launches will be 404K pages, with information lost.

    Let this thread be purely a @D₹V (Devaluation ₹eValuation) thread. If possible maintain an index in the main post.
    Click to expand...
    Yeah, was thinking the same. Better to keep a separate thread for new launches. Doing it now... thanks for the suggestion!
     
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