Editorial policy
Sources
Each card page lists its sources. We prefer the issuer's own pages, key fact statements and most important terms and conditions (MITC), and for rules we cite RBI's directions. Where those are unreadable or incomplete we may use secondary sources such as comparison sites and community forums. These are labelled as such and the card is marked "Partly verified" or "Needs verification". Every guide ends with a Sources list naming the document behind each figure, and says what we could not confirm.
How the content is produced
Parts of the research and drafting are done with AI assistance. Figures are checked against the cited issuer or RBI document before publication; where a document could not be opened or was out of date, the text says so rather than filling the gap. This is a small team, so errors are possible: see Corrections below.
Verification and dates
Each card shows the date its data was last checked. Banks change terms often, sometimes with a few weeks' notice. We aim to re-check every card at least once a quarter; the date shown on each card is when it was last checked, so treat an old date as a warning. Changes we find are logged in rule changes.
What the data labels mean
- Official sources. Every figure that drives the card's numbers (fees, waiver rule, reward rates, caps, exclusions) was read in an issuer document or on the issuer's own page. Some details, such as eligibility or a welcome offer, can still be labelled unconfirmed on the card page.
- Partly verified. At least one figure that matters rests on a secondary source, a conflicting document, or a condition we could not read (for example a rate shown only on a page we could not fully load). The card page names which.
- Needs verification. We could not read enough of the issuer's terms to publish a value. Such cards are kept out of search results and out of the rankings.
Today 41 of our 57 cards are in the first group, 16 in the second and 0 in the third. The split is shown on the dataset page.
How a weak fact is handled
If a card's best rate depends on something we cannot confirm for your spending (for example a rate that needs a particular app, or a monthly mix of categories), we do not count it in the ranking and say so on the card page. We prefer a lower, traceable number to a higher one that depends on a guess. Where we assume something, such as the share of dining spend that goes to a particular app, the assumption is stated next to the figure it affects.
Who writes this
The pages are written and checked by a small team that is not yet named on the site. When individual editors are named, their roles and the pages they are responsible for will be listed on the about page. Until then, accountability sits with the sources: every claim should be traceable to the document listed beside it, and you can check it yourself.
Independence
Rankings come from the calculator. The ranking code does not read affiliate links or payouts. Commercial relationships never buy a better placement.
Corrections
If a figure is wrong, tell us with a link to the bank's document. We correct confirmed errors promptly and note material corrections on the page.
Not advice
Content is general information, not financial, tax or legal advice. We do not tell you to take on debt. Paying your full bill by the due date matters more than any reward rate: in the MITCs we read, finance charges on unpaid balances run from about 3.4% to 3.99% a month on most cards.