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Alert for credit card users! New rules will be implemented from April 1, know what will be the changes

by Rajiv Mishra
February 26, 2026
in Business
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Alert for credit card users! New rules will be implemented from April 1, know what will be the changes
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If you use a credit card, many big changes are about to happen. The Income Tax Department has proposed several major changes related to credit cards in the Draft Income Tax Rules 2026, which are scheduled to come into effect from April 1, 2026. However, these changes are currently in draft format; These will be implemented when the final rules are issued.

First change: Many things are going to change for credit card users. It is proposed to implement these changes in the draft Income Tax Rules 2026 issued by the Income Tax Department. The first of these is that if the payments made through one or more credit cards in a financial year are ₹ 10 lakh or more, then the concerned bank or card issuer will report this information to the Income Tax Department.

Second change: Credit card statement can now be used as address proof for making PAN card.

Third change: Credit cards can be accepted for online income tax payment. Till now, these payments could be made only through methods other than net banking, debit card or credit card.

Fourth change: Another important change in the proposed changes is that now it will be mandatory to provide PAN card while applying for a new credit card.

Fifth change: If a company gives credit cards to its employees and the bill is also paid by the company, then according to the draft proposal, this expense can come under the purview of income tax, provided the expense is not related to office work only.

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