Our Rating Methodology

Credit cards (100-point scale)

Rewards value (30): effective % return across categories typical for an Indian salaried user
Fees and charges (20): joining + annual fee net of waivers, forex markup, late payment
Welcome benefits (15): first-year add-on value
Lounge / travel (15): domestic + international airport lounge access
Insurance + protection (10): air accident cover, purchase protection
Eligibility breadth (10): minimum income, supported employment types

Weighted on effective APR (35), processing fee transparency (20), prepayment terms (15), disbursal speed (15), customer service signals (15).

Brokerage cost (30), AMC + hidden charges (20), platform UX (20), order types and segments (15), research tools (15).

Scores are recomputed monthly or whenever an issuer publishes a rate-card change.