An editorial approach to Indian credit cards.

PickMyCard exists to help Indian readers pick a credit card without slogging through bank product pages, forum threads, and aggregator listings that quietly mix paid placement into the ranking. The catalogue covers active Indian cards across every issuer, and every card we list goes through the same evaluation pipeline.

The site is operated independently. There is no parent bank, no aggregator partnership, and no “promoted” tier in the ranking. The only thing that determines whether a card appears, and where it sits in a comparison, is whether the numbers stand up against the issuer’s own terms.

Every numeric claim on the site (fees, fee waivers, reward rates, lounge counts, eligibility thresholds) is sourced from two places: the issuer’s own product page, and the Most Important Terms & Conditions PDF. When the two disagree, the MITC wins. We do not pull data from aggregator sites, deal forums, or marketing emails.

1. 01The provenance gate. Every active card row in our database carries a list of source URLs and a verifiedAt timestamp. A card cannot publish without both.
2. 02The editorial review. A subset of cards carries a full editorial review. Reviews are written in-house and scored across reward value, fee structure, lounge access, and target-audience fit.
3. 03The re-verification cadence. Card terms change. We re-verify on a rolling cadence and bump the verifiedAt timestamp on every pass.

Three rules govern what gets published. First, every fee, cap, rate, and threshold comes from the issuer’s MITC. Second,the editor’s direct experience with a card is permitted in reviews where it adds verifiable signal, and is clearly marked when it does. Third, reviews are dated, and a stale review is either re-verified or pulled.

We do not run sponsored content. We do not publish “press release” reviews timed to a card launch. If a card’s terms change between our review and your application, we want to know before you do. See corrections below.