What changed
RBI clarified reporting for credit lines on UPI; two issuers reduced complimentary lounge visits.
Who it affects
Anyone using a RuPay credit card on UPI, and mid-tier cardholders who rely on free lounge visits.
What to do
Check your card's current lounge quota on the bank site before you travel, and do not assume last year's quota still applies.
The week was busy for card users. RBI put out a clarification on how credit lines on UPI are reported, two issuers quietly trimmed complimentary lounge visits, and HDFC widened eligibility for its PIXEL cards.
If you use UPI on a credit card, nothing changes for you today — but keep an eye on your statement date, because the reporting change affects how your limit is shown.
Cards mentioned
HDFC Bank
PIXEL Play Credit Card
Pick your own 5% cashback categories
Affiliate link
HSBC
HSBC RuPay Cashback Credit Card
10% cashback on food & groceries, and it works on UPI
Affiliate link
HDFC Bank
HDFC UPI RuPay Card
A low-fee credit card you can use on UPI
Affiliate link
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