CardAgent Blog
Scoring methodology, fee math, category quirks and wallet strategy — from the team behind CardAgent.
Every Indian credit card runs on one RBI rulebook. Here are the rights it actually gives you in 2026 — activation consent, capped late fees, free card closure with ₹500-a-day compensation — and the exact escalation when a bank breaks one.
Read postSBI Card has quietly capped reward points on its PhonePe co-branded cards and cut a long list of categories to zero. If you carry a PhonePe SBI Card SELECT BLACK or PURPLE, here is what changed on 1 July 2026 and which CardAgent-listed alternatives are worth a look.
Read postBank of Baroda is quietly reworking BOBCARD's premium cards: costlier interest, no more accidental death cover, conditional HPCL fuel rewards, and a doubled lounge-access spend bar. Here is the full timeline and what it means if you hold an Eterna or Tiara card.
Read postHDFC has quietly turned a flagship perk into a spend-gated one. From July 2026, Regalia Gold and Diners Club Privilege cardholders need ₹60,000 of prior-quarter spend just to keep their lounge visits. Here is the mechanics, and three cards that still don't ask.
Read postYou already own the best cards. The hard part is remembering which one to swipe at the counter. Here is a framework — and an AI agent that does it for you.
Read postThe joining fee on the brochure is not the number on your statement. Here is how 18% GST, milestone waivers and welcome benefits combine to determine the real cost of a credit card in India.
Read postMost 'best card' lists in India rank whichever card pays the highest affiliate commission. Here is how CardAgent ranks 240+ cards on a single, public formula — with GST-inclusive fees.
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