Sources & Citations

Regulators

• Reserve Bank of India (RBI). Issues the Master Direction on Credit Cards (2022) and quarterly warnings to banks on mis-selling. We cite specific circulars when a fee or eligibility claim is anchored in a regulatory change.
• SEBI. Cited when comparing credit cards to financial instruments (insurance, mutual funds) for the Compare alternatives tables.
• IRDAI. Cited for the insurance bundling comparisons in card benefits (lost-card insurance, travel insurance add-ons).

Bank-published sources

For every card detail page, we cite:

• The bank's official product page
• The card's Key-Fact Statement (KFS) — when available
• The bank's Most-Fee Statement (MFS) — when available
• The bank's published customer-support number — when our verification requires a phone call (e.g. reward-redemption ratios)

Data sources we don't cite (and why)

• Bank marketing emails. Promotional rates often exclude fees we quote separately, which would mislead readers.
• Aggregator screenshots from other comparison sites. We cite the primary bank source, not a third-party summary.
• Wikipedia. Convenient but not authoritative for current bank terms.

Read next

• Editorial standards & process
• Fact Check policy
• Review Methodology
• Ownership, revenue & editorial firewall