Indian Credit Cards See Major Shifts in 2025, AI to Reshape 2026

• Indian banks revised credit card fees, rewards, and benefits significantly in 2025, impacting users.
• SBI Cards discontinued air accident insurance; HDFC, ICICI Bank introduced new fees on online gaming, wallet loads, and high-value utility payments.
• Kotak Mahindra Bank discontinued Myntra Kotak Credit Card; IndiGo and IDFC FIRST Bank launched a co-branded card.
• Regulators (RBI, NPCI) focused on transparency and RuPay adoption; 2026 will see more fee revisions and tighter reward structures.
• AI-driven platforms are expected to revolutionize credit management in 2026, offering personalized financial guidance and dynamic insights.

Why It Matters: Indian credit cards are evolving with 2025 fee changes, regulatory focus, and 2026 AI integration.