Card Review Standards
Our mission is to help Indian consumers find financial products that actually work for them. We believe in math over marketing. Here's how we evaluate every credit card on this platform.
1. First-Principles Math
We don't trust "up to" reward rates. We calculate the Net Effective Reward Rate (NERR) based on real-world spending patterns. We factor in:
- Category-specific caps (e.g., "5% cashback up to ₹500/month").
- Supported exclusions and explicit category reward rates.
- Annual fees, supported fee waivers and milestone thresholds.
- Default versus eligible travel redemption values. Model notes identify omitted taxes, joining costs and unsupported rules.
2. Verified Data Sources
We prefer official issuer pages, terms and tariff sheets when checking card claims. Imported records can remain under review. Card pages list sources, scoped checks and model limits; an updated date does not mean every fee, reward or airport-terminal field was verified together.
3. Brutal Honesty
If a card has a "lifetime free" offer that is actually conditional, we call it out. If a "premium" card has devalued its lounge access, we highlight it. We list "Watchouts" prominently on every review; fees, hidden caps, and poor service records are never buried.
4. User-Centric Scoring
Our "Top Picks" are not sold to the highest bidder. They are ranked algorithmically based on thevalue returned to the user minus fees. A card that pays us a high commission but offers you low value will never rank #1.