📋 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

✅ VerifiedData checked directly from the bank's official product page. Fee, reward rates, caps, and benefits confirmed.
⚠️ UnverifiedData sourced from secondary sources or our initial research. May contain errors. Clearly labeled on card pages.
🔔 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

Every card page has a "Report an update" button. Users can flag incorrect rates, cap changes, fee changes, or benefit modifications. All reports go to our review queue via Google Forms. We verify and update within 24 hours.

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

Update frequency

•Card data reviewed monthly against bank product pages
•User-reported changes verified within 24 hours
•Homepage 'What Changed' section updated with every data change
•Upcoming changes section added as soon as banks announce them

Last updated: March 2026. Questions? Contact us.