Garima Warialani

The bank’s-eye view. I read a card the way the issuer built it: where the margin sits, why a fee or a cap is shaped the way it is, and what a welcome benefit is really worth once the conditions are met.

I pair that with one research rule. Every figure gets checked against the issuer’s Most Important Terms & Conditions before it goes on the site. My work here is the research and verification behind the card data, and the editing that turns it into something a normal reader can act on.

I started working on PickMyCard early, in April 2026, before most of the site was public. In those first months the work was foundational: helping shape the page structure and theme, researching issuer Most Important Terms & Conditions, and collecting the datapoints the card database is built on. As the site took shape I moved into a Contributing Editor and Product Researcher role.

I work alongside the site’s other editor, Vikram, who also happens to be my husband. Between us the cards get looked at from two sides: his years of holding and using them, and my years inside the bank that issues them.