Affiliate Disclosure

How We Make Money

PickMyCard is free to use. We are funded by commissions we earn through credit card affiliate networks, currently EarnKaro and Cuelinks. When a reader clicks an “Apply Now” button on the site, the affiliate network tracks the click. If the issuing bank later approves the application, the network pays us a commission and we use that revenue to keep the site running.

Commission Amounts

Commissions vary by card and by network. Across the cards we currently feature, payouts range from roughly ₹400 per approved application at the low end to ₹2,240 per approved application at the high end. The exact figure for any given card is set by the issuing bank and the affiliate network, not by us.

How This Affects Our Recommendations (Short Answer: It Doesn't)

Our recommendation engine ranks cards by the estimated annual rupee value the card delivers for your specific spending profile, not by commission size. The ordering on the recommendation results page is purely a function of: rewards earned across your stated spending categories, plus lounge value if you fly, plus fuel savings, minus the card's annual fee.

What this means in practice: a card paying us a ₹400 commission can absolutely outrank a card paying ₹2,240, and it often does. We have no mechanism to override the engine for commercial reasons, and we will not add one.

Cards Without Affiliate Links

Some popular cards do not currently appear on the site. The reason is straightforward: we have not yet established an affiliate relationship for that card, so we cannot earn a commission on it. We hide those cards rather than rank them, because listing a card we cannot send a reader to feels misleading.

We are working on expanding our network coverage, and any card we add will be evaluated on the same merit basis as the existing catalogue. A card is never demoted because the commission is small.

Reviews and Editorial

Editorial reviews are written based on the published terms of the card and our own analysis of who benefits from it. Reviewers do not see the commission rate while writing, and pros and cons are recorded honestly even when a card pays well. If we say a card has a weak welcome offer or a punitive cap, that is what we believe.

Contact

Questions about how we operate? Reach us at hello@pickmycard.in.