RBI ke naye credit card rules 2026: ab credit score har hafte update hoga

Agar aapke paas credit card hai, to 2026 mein kuch bade badlaav ho rahe hain — aapke credit score se lekar rewards tak. Sab kuch ek jagah, simple bhasha mein.

1. Credit score ab har hafte update hoga (1 July 2026 se)

RBI ki Credit Information Reporting Directions, 2025 ke mutabik, 1 July 2026 se sabhi banks, NBFCs aur card issuers ko aapka credit data har hafte credit bureaus (CIBIL, Experian, etc.) ko bhejna hoga. Pehle ye mahine mein ek baar (ya fortnightly) hota tha.

Iska aapke liye matlab:

• On-time payment ka positive asar ab kuch hi dino mein score mein dikhega — pehle weeks lag jaate the.
• Ek bhi missed payment ya extra loan application bhi tezi se reflect hoga.
• Takeaway: Score ab fast recover bhi hota hai aur fast girta bhi hai — isliye bill hamesha time pe bharo.

2. Har transaction pe two-factor authentication

RBI ki Authentication Directions, 2025 ke tehat, har card transaction (online ho ya POS) ko kam se kam do independent factors se verify karna zaroori hai — aur unmein se ek factor dynamic hona chahiye (jaise har baar badalne wala OTP). Ye rule fraud rokne ke liye hai, aur isse aapke payments aur secure ho jaate hain.

3. "Overdue" tag ab 3 din ki grace ke baad

Naye uniform standard ke anusaar, kisi credit card account ko "past due" sirf tab mark kiya jayega jab payment due date ke 3 din baad tak bhi na ho. Pehle har bank ka apna timeline tha. Thodi rahat zaroor hai — par phir bhi due date pe bharna hi best hai (score weekly update ho raha hai, yaad rahe).

4. Rewards pe issuers ki kainchi

Banks dheere-dheere reward programs tight kar rahe hain. Kuch recent changes:

• Axis Bank — insurance premium aur utility bill payments pe reward points pe cap.
• Yes Bank — third-party apps se rent payment pe 1% + GST fee.
• HDFC — premium cards (jaise Infinia) pe kuch redemptions par quarterly limits (e.g. Apple products / Tanishq vouchers).

Takeaway: Har spend pe aankh band karke ek hi card mat use karo. Category ke hisaab se sahi card chunoge to rewards kaafi zyada milenge — aur yahi CardWiz ka kaam hai.

CardWiz se kaise faayda uthayein

• Bill reminders — missed payment se bacho (ab score pe asar pehle se fast hai).
• Best card at checkout — har category (Amazon, Swiggy, fuel, travel) pe sabse zyada reward dene wala card.
• Savings Calculator — turant dekho kaunsa card kitna bachata hai.

Disclaimer: Ye general information hai, financial advice nahi. Rule effective dates aur apne card ke exact terms ke liye RBI ki official notifications aur apne bank/issuer se confirm karein. Rewards aur fees bank ki terms pe depend karte hain.