How we review credit cards
Every number on a review page should trace back to something the bank published. Here is how we keep it that way.
Where the facts come from
Each review has a Key facts box: joining fee, annual fee, the fee waiver, rewards, lounge access, forex markup and the network. Every value is taken from the issuer's own product page, its MITC or Key Fact Statement, or its published schedule of charges, and the box names the page we checked and the date we checked it.
When the issuer is silent on something, such as the exact income it needs, we say so instead of filling the gap with a figure from a forum.
How we judge a card
- Who it is for. We start from a spending pattern (trains, Amazon, dining, food delivery, travel points) and ask what the card returns on that pattern after fees.
- The catch. Caps, exclusions (fuel, rent, wallet loads, EMI), spend thresholds for lounge access and recent devaluations go on the page, not in a footnote.
- The cost of keeping it. We check whether the annual fee is realistically waived for the person the card is meant for.
How often we re-check
Indian card terms change often, usually with 30 days' notice from the bank. We re-check every review at least once a quarter and whenever an issuer announces a change. The date in each Key facts box is the last time we compared it with the issuer's pages.
Affiliate links and independence
We include cards we have no affiliate link for, such as the Amazon Pay ICICI Bank card, when they're the right answer. Commission never decides which card we recommend for a spending pattern. See our affiliate disclosure.
Corrections
If a number on this site is wrong, message @CAuthorityHQ on X with the page and the issuer link. We fix confirmed errors and update the checked date.