📋 Editorial Policy

How We Review Cards

Every number on Assure Fintech is calculated, not copied. This page explains exactly how we review cards, calculate rates, and make ranking decisions.

Our cashback formula

Effective Cashback % = (Reward Points × Point Value) ÷ Spend Requirement × 100

Example: HDFC Regalia gives 4 points per ₹150. Point value = ₹0.20 (cashback). So: (4 × 0.20) ÷ 150 × 100 = 1.33% — not the "5x" that banks advertise.

How we handle cashback caps

Most comparison sites ignore caps entirely. We don't. When a card has a monthly or yearly cashback cap, our tools calculate your actual effective rate at your spending level.

Example: Axis ACE at ₹20,000/month utility spend
Advertised: 5%. Cap: ₹500/month on accelerated categories.
First ₹10,000 at 5% = ₹500 (cap hit). Remaining ₹10,000 at 0% = ₹0.
Real effective rate: 2.5% — not 5%.

Redemption value transparency

Many cards have points worth different amounts depending on how you redeem them. HDFC Regalia points are worth ₹0.20 as cashback but ₹0.50 for travel via SmartBuy.

We show the cashback redemption value as the default rate (conservative estimate), and note the higher travel/SmartBuy value separately. Cards with variable redemption values have a "💡 Redemption matters" callout on their detail page.

Data verification

🔗 Source-linkedA dated issuer or product source is recorded. This marker does not confirm every card benefit or protect against later changes.
⚠️ Review pendingCurrent card-specific terms need another issuer check. These records do not drive automated recommendations.
🔔 Upcoming changesWhen banks announce changes (like SBI Cashback's April 2026 cap reduction), we show them with date and impact analysis.

How we rank cards

Card rankings on our /cards page are sorted by effective cashback rate in each category. The card with the highest real rate wins. Period.

We never rank cards by affiliate commission. If we activate affiliate links in the future, rankings will remain based purely on value to the user. See our How We Earn page for more.

Community verification

Card pages let readers report incorrect rates, cap changes, fee changes or benefit changes. Reports enter our review queue. We investigate against current issuer material and update the page when we can confirm a change; response times vary.

Banks change rewards frequently — often without notice. Community reports help us stay accurate faster than any team could alone.

Update frequency

•Card records show a source link and review date when one has been recorded
•Reader reports are investigated against issuer material
•Confirmed updates are added to the relevant page and change history
•Announced future changes are shown when the effective date is known

Last updated: March 2026. Questions? Contact us.