9cards posts
Guides, explainers
and the fine print.
Writing from us, not from the community: how Indian card fees, caps, reward currencies and benefit gates actually behave once you read the terms rather than the landing page.
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Everything we’ve published.
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Amex Reward Multiplier ends on 30 September: ShopWise is not closing with it
American Express is ending one accelerated-shopping route, not Membership Rewards itself. Existing purchases and the surviving voucher route have different deadlines, caps and costs.
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Federal Paisaback's 7.5% grocery rewards: the shared cap and UPI questions
The new Paisaback proposition offers grocery-focused CashPoints, but applications are described as starting soon and the INR 1,000 monthly allowance is shared across reward categories.
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Amazon Pay Kotak Business Credit Card: announced benefits, but final terms still matter
Amazon and Kotak announced a card for small businesses on 9 September. Its proposed cashback, credit-limit-linked cap and off-Amazon fee waiver need to be read separately.
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Axis and MakeMyTrip's long-weekend offers: read the caps first
The programme announced on 24 August runs through March 2027. Its holiday dates are not booking windows, and the announcement does not make every advertised discount redeemable today.
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RBI's October bulk-FD rule sets a 10:10 a.m. rate-publication deadline
From 1 October, banks must publish bulk-deposit rates each business day within a defined morning window. This is a transparency change, not a guaranteed rise in interest rates.
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RBI ended the NRI deposit-rate relaxation a month early
The exceptional NRE and FCNR(B) pricing window closed on 31 August, not 30 September. That changes the rules for new placements and renewals, not every existing deposit's contracted rate.
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Axis Bank's new UPI controls follow the account across apps
Announced on 1 September, the controls separate person-to-person, domestic merchant and international merchant payments. The bank says the rollout is still limited.
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Scapia Axis Bank Card: why 20% rewards is not 20% cashback
The 3 September launch has no joining or annual fee, but its coin conversion, RuPay transaction threshold and exclusions matter more than the headline reward percentage.
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RBI fines CIBIL, CRIF High Mark and Equifax over delayed compensation
The 4 September announcements total INR 34.918 lakh in regulatory penalties. They concern missed compensation payments to eligible complainants, not a new payout for every credit-report user.
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Cashback SBI Card review 2026: caps and fees
A flat 5% online until ₹40,000 of monthly spend, then nothing. Since April the total is capped at ₹4,000 a cycle, and three more categories stopped earning.
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Axis Bank Cashback Credit Card review 2026
The 7% headline applies only to the slice of monthly online spend above ₹40,000. Read as three stacked bands with a ₹4,000 ceiling, the card is easier to judge.
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Axis card rule changes from 28 August 2026
Axis Bank's revised terms are live. The DCC markup is not the single number being reported, and this week's "new September rule" has been in force since 2024.
