House byline

Nisha Kapoor निशा कपूर

Credit Cards correspondent

Nisha Kapoor is a house byline for InfoHandle’s Credit Cards desk.

25 stories

Shopkeeper holding phone with payment QR stand on wooden counter, fluorescent shop light, shallow depth of field, no readable screen text or logos

Yes Marquee RuPay-on-UPI Limits Single-Outlet Spend to ₹75,000 Per Day

Yes Bank capped Marquee RuPay credit-on-UPI spends at ₹75,000 per outlet per day, tightening controls as festive QR volumes spike.

Nisha Kapoor निशा कपूर Oct 12, 2026India

Retail store checkout with a card payment terminal on a cluttered counter, shopper hand holding a payment card near the reader, warm indoor lighting, no readable branding

Credit Cards

HDFC and SBI Raise Contactless Limits to ₹5,000 on RuPay Festive POS Campaigns

RuPay’s festive POS push lifts the tap-to-pay ceiling on select HDFC and SBI cards just as shoppers crowd electronics and apparel aisles.

Nisha Kapoor निशा कपूर Oct 11, 2026India

Urban bank branch interior with customers at a service counter, glass partition, ceiling fans and stacked passbook trays, no readable signage or logos

Credit Cards

Axis and IDFC First Cap Festive EMI Tenures as Repo-Linked Overdraft Spreads Reset to 5.50%

Axis Bank and IDFC First Bank capped maximum tenures on select festive EMI schemes and reset repo-linked overdraft spreads to 5.50% within days of the RBI move, signalling tighter unsecured credit ahead of Dussehra spending.

Nisha Kapoor निशा कपूर Oct 10, 2026India

Close view of a credit card resting on a paper statement at a kitchen table, soft morning light, blurred bank passbook in background, no readable account numbers or logos.

Credit Cards

Bank of Baroda and Indian Bank Lift Repo-Linked Retail Rates Within Hours of MPC as Card Revolvers Watch Issuer Notices

Lenders passed the RBI’s 25-basis-point repo move into floating home and auto loans within a day, while credit-card APRs stay issuer-specific—leaving festive revolvers to read monthly statements for any repricing letters.

Nisha Kapoor निशा कपूर Oct 9, 2026India

Close-up of a payment terminal and stacked shopping bags in a Delhi electronics store aisle, fluorescent lighting, price tags blurred, no logos or readable text

Credit Cards

Issuers Lift Diwali Reward Caps as GST Cuts Pull EMI Tenors Below 12 Months on Durables

HDFC Bank, SBI Card and Axis Bank are raising cashback ceilings on appliances and two-wheelers as GST cuts shorten effective EMI tenors for festival shoppers.

Nisha Kapoor निशा कपूर Oct 8, 2026India

A bank branch counter with stacked Diwali festival brochures and a card payment terminal, afternoon light through dusty glass, worn laminate counter, no logos or readable text

Credit Cards

Private Banks Map MCLR Reset Timelines Ahead of Diwali Card EMI Blitz

Issuers are lining up marginal cost of funds-based lending rate resets ahead of Diwali EMI campaigns, as economists expect the RBI to lift the repo rate by 25 basis points at 10 a.m. Wednesday.

Nisha Kapoor निशा कपूर Oct 7, 2026India

An airport departure lounge seating area with fabric chairs and floor-to-ceiling windows showing a parked jet bridge, soft daylight, no logos or readable text

Credit Cards

Bank of Baroda World Mastercard Trims Lounge Access to Four Visits Per Quarter

Bank of Baroda’s World Mastercard portfolio will allow four complimentary airport lounge visits per quarter from November, down from six, as issuers recalibrate travel perks after rupee weakness.

Nisha Kapoor निशा कपूर Oct 6, 2026India

Airport lounge entryway with frosted glass and neutral seating visible inside, soft terminal lighting, travellers as silhouettes, no logos or readable text

Credit Cards

Axis Bank Atlas Travel Card Doubles Lounge Visits for October Statement Cycle

Axis Bank Ltd. doubled complimentary airport lounge visits on select Atlas travel credit cards for the October billing cycle, escalating premium-card perks as issuers chase high-spending customers before Diwali travel bookings peak.

Nisha Kapoor निशा कपूर Oct 5, 2026India

Credit Cards

SBI SimplyCLICK Carries 40 Point 2 APR When Statement Balances Roll Past Due Date

SBI Card’s published finance charges near 45 percent annualised mean minimum payments barely dent revolving balances as the MPC prepares to vote on rates.

Nisha Kapoor निशा कपूर Oct 4, 2026India

Delhi airport terminal glass facade interior with duty-free shop aisles blurred, travellers with trolley bags, cool fluorescent light, no logos or readable text

Credit Cards

RuPay Select Platinum Adds Duty-Free Price Match at Delhi T3 Arrivals Concourse

NPCI-backed RuPay Select Platinum is testing a duty-free price-match benefit for cardholders shopping the arrivals concourse at Delhi’s Terminal 3.

Nisha Kapoor निशा कपूर Oct 3, 2026India

Shopper tapping contactless card at a festive garment store counter with marigold garlands and stacked saree boxes, warm indoor light, no logos or readable text

Credit Cards

HDFC and SBI Extend Navratri EMI Holidays as Card Spends Hit Pre-Dussehra Peak

HDFC Bank and State Bank of India extended Navratri EMI moratorium windows as credit-card spends hit pre-Dussehra peaks on travel and electronics.

Nisha Kapoor निशा कपूर Oct 2, 2026India

Indian family with rolling suitcases at airport departure hall, matte floor tiles and blurred flight boards in background, warm terminal lighting, no logos or readable text

Credit Cards

OneCard Metal Titanium Cuts Forex Markup for Dussehra Europe Trips to 1.99 Percent

OneCard cut foreign-currency markup on its Metal Titanium product to 1.99 percent for Dussehra travel bookings, targeting cardholders flying to Europe before the rupee's recent firming fades.

Nisha Kapoor निशा कपूर Oct 1, 2026India

Close-up of a shopkeeper's UPI QR standee on a worn wooden counter beside a calculator and receipt pad, afternoon window light, no logos or readable text

Credit Cards

NPCI Fee Schedule Keeps Sub-₹2,000 Person-to-Merchant Transfers at Zero MDR

NPCI's October 15 framework keeps everyday UPI merchant payments free while RuPay credit on UPI stays outside the new 0.4 per cent account route fee.

Nisha Kapoor निशा कपूर Sep 30, 2026India

Smartphone on a shop counter showing a generic payment app interface with blurred numbers, fluorescent market lighting, no readable text or logos

Credit Cards

Paytm Postpaid Caps Bill-Desk Calls on Overdue Below Two Thousand Rupees

One97 Communications told Paytm Postpaid users it will limit automated collection calls on balances under ₹2,000 after the RBI flagged aggressive digital lending recovery practices.

Nisha Kapoor निशा कपूर Sep 29, 2026India

Handheld UPI QR standee on a Delhi kirana shop counter beside weighing scale and steel cash box, fluorescent tube light, worn laminate surface, no logos or readable text

Credit Cards

Forbes Cap Formula Means ₹300 Maximum UPI Acquirer Charge on ₹75,000 Tickets

A 0.4 per cent merchant discount rate on Unified Payments Interface tickets above ₹2,000—with a ₹300 cap—takes effect on 15 October, leaving person-to-person transfers free but changing checkout math for large retail bills.

Nisha Kapoor निशा कपूर Sep 28, 2026India

Credit Cards

HSBC Live+ Programme Includes Swiggy One Pass Once ₹30,000 Eligible Charges Post

HSBC India's Live+ card page lists a Swiggy One pass after ₹30,000 in eligible charges. The real question is whether the pass is a perk or a nudge to spend money you would not have spent.

Nisha Kapoor निशा कपूर Sep 27, 2026India

Photoreal scene of an Indian credit card on a café table beside a foreign currency receipt, rupee notes and a passport, with soft morning light through a window, no logos or readable text.

Credit Cards

Rupee Traders Say RBI Sold Dollars Before Open as Overseas Card Spenders Face Steeper FX Marks

The rupee’s pre-open slide to 95.88 is not just a market story. For Indian cardholders, it feeds into foreign transaction markups, overseas ATM fees and the rupee cost of every dollar spent abroad.

Nisha Kapoor निशा कपूर Sep 26, 2026India

Credit Cards

IRDAI Commission Caps Force Credit-Card Bancassurance Riders to Reprice Before Festive Spend

IRDAI’s draft commission rules threaten credit-card bundled insurance riders that banks sold for festive spend, forcing issuers to reprice bancassurance attachments before October shopping peaks.

Nisha Kapoor निशा कपूर Sep 25, 2026India

Close view of Indian credit and debit cards fanned on a kitchen table beside a paper statement with numbers blurred, afternoon window light, worn laminate surface, no logos or readable text

Credit Cards

CRIF Report Shows Retail Credit Up 19% as Card Delinquencies Ease to 1.4%

CRIF High Mark’s How India Lends data put retail credit at ₹178.6 lakh crore as of June 2026, up 19.2% year on year, while card delinquencies eased to about 1.4% even as RBI’s FSR flags stress in sub-₹50,000 fintech loans.

Nisha Kapoor निशा कपूर Sep 24, 2026India

Airport lounge reception desk with a traveller handing over a plain boarding pass to staff, soft carpet and muted lighting, blurred seating area behind, no logos or readable text

Credit Cards

Yes Bank Marquee Card Caps Complimentary Lounge Invites After Network Audit

Yes Bank capped complimentary Marquee credit card lounge invites at four per quarter after a network audit found duplicate guest entries and mis-coded domestic terminal visits, keeping full allowances only when holders scan boarding passes matched to same-day flights.

Nisha Kapoor निशा कपूर Sep 23, 2026India

Urban bus rapid transit station platform with passengers tapping plain contactless cards at waist-height fare gates, concrete pillars and muted daylight, no logos or readable text

Credit Cards

Bank of Baroda Premier Card Links RuPay Contactless to Ahmedabad BRTS Gates

Bank of Baroda linked its Premier RuPay contactless credit card to Ahmedabad BRTS smart gates, posting commute cashback when tokenised taps clear above daily thresholds while keeping separate limits for fuel and dining MCCs.

Nisha Kapoor निशा कपूर Sep 23, 2026India

Indian highway petrol pump forecourt at dusk with a motorbike beside a fuel dispenser, attendant holding a payment terminal away from camera, stained concrete and fluorescent canopy lights, no logos or readable text

Credit Cards

SBI Card Tightens Fuel Cashback After RBI Flags Merchant Category Mis-Coding

SBI Card tightened fuel-station cashback after the Reserve Bank of India flagged merchant category mis-coding that routed grocery and wallet loads through petroleum MCCs to harvest higher rewards.

Nisha Kapoor निशा कपूर Sep 22, 2026India

Indian shop counter with a plastic RuPay credit card tapped on a UPI QR stand next to a basic card terminal, sari fabric bolts blurred in background, warm tungsten bulb and worn Formica surface, no logos or readable text

Credit Cards

HDFC Bank Raises RuPay UPI Credit Card Rewards Cap Ahead of Festive Quarter

HDFC Bank raised monthly reward-point caps on select RuPay UPI credit cards for October–December spends, targeting festive e-commerce and QR payments while NPCI pushes RuPay on the UPI rail.

Nisha Kapoor निशा कपूर Sep 22, 2026India

Jewellery store glass counter with gold necklaces on display and a small payment QR stand on the marble surface, no logos or readable text

Credit Cards

Federal Bank Mirrors Paytm Wallet Top-Up Limits on Gold-Jewellery BNPL Merchants

Federal Bank has aligned gold-jewellery BNPL merchant caps with Paytm wallet top-up limits, throttling festival-season jewellery instalments funded through wallet reloads on partner store QR codes.

Nisha Kapoor निशा कपूर Sep 21, 2026India

Domestic airport terminal curbside with a small assisted-travel desk and wheeled luggage carts under bright ceiling lights, faces turned away, no logos or readable text

Credit Cards

Kotak Mahindra Indigo Card Revises Domestic Airport Meet-and-Greet Pass Allocation

Kotak Mahindra Bank has reweighted meet-and-greet pass allotments on its co-branded IndiGo credit card, prioritising Tier-1 airports and capping complimentary escorts during the festive travel crush.

Nisha Kapoor निशा कपूर Sep 21, 2026India