Published events record the effective date, direction of impact and official source for changes to rewards, fees, waivers, lounge access, eligibility and redemption. Draft research never appears here.
HDFC Bank · Regalia Gold Credit Card
From 15 May 2026, the published base earn changes from 4 Reward Points per ₹150 to 5 Reward Points per ₹200 on eligible spending. The same notice introduces a 1.75% DCC fee for covered INR transactions at international or foreign-registered merchants.
Official HDFC Bank change notice ↗From 1 May 2026, SBI Card states that the ₹499 annual fee is reversed at ₹1 lakh of annual spending, revised from the earlier ₹50,000 threshold.
Official SBI Card customer notice ↗Why this matters
A reduced cap, new excluded category, higher fee or tighter lounge threshold can change which card wins even when a user’s spending stays the same. Positive changes matter too: a lower fee, broader eligibility or better redemption ratio may restore value. Accurate Paisa records both directions so “devaluation tracker” does not become a one-sided rumour feed.
The effective date is separate from the publication date. That prevents a future change from being treated as current too early and helps explain why an older statement produced a different result.
Editorial standard
Each public event requires an official issuer URL, a concise summary and a named rule type. The calculation profile still changes only after the applicable monetary rule has been reviewed. A timeline post alone does not silently rewrite the recommendation engine.
Promotional offers and targeted account messages may not apply to every cardholder. They are excluded unless the event can be described accurately for a defined public card product.