Core Viewpoint - In February 2026, significant banking and card-related changes will be implemented, affecting transactions, credit card usage, and compliance for customers of major Indian banks like State Bank of India (SBI), ICICI Bank, and HDFC Bank [1] Group 1: Changes in Banking Services - Revised service charges on IMPS (Immediate Payment Service) transfers will be introduced, impacting transaction costs for customers [1] - Updates in credit card benefits are expected, which may alter the value proposition for cardholders [1] - New Know Your Customer (KYC) update rules will be enforced, affecting compliance requirements for customers [1]