145 Indian credit cards · every clause read
Everything your card
quietly doesn't pay for*
* the part they print like this
Reward Points shall not be accrued for the following categories of transactions: rent payments, government related transactions, fuel transactions, wallet loads and prepaid instrument loads, EMI conversions, cash advances, balance transfers, education payments made through third party applications, insurance premium payments beyond the capped limit, utility payments beyond the capped limit, and any transaction subsequently reversed, cancelled or disputed. The Bank reserves the right to amend this list at its sole discretion without prior intimation to the Cardmember.
The reward rate goes on the poster; the exclusions go on page thirty-one. We read page thirty-one for every card, and quote the clause behind each answer.
Look up a benefit or a kind of spend
How we know
No one is typing these rules in by hand. That is the reason the answer can cover every card and still be current.
Fetch the actual documents
Terms are pulled straight from each issuer's own site — the MITC, the reward programme terms, the product change notices. Links are rediscovered every run, because banks re-upload these under new filenames when they change them.
Read every clause
Each clause is checked against 58 spending situations. That is thousands of individual judgements per card, which is only possible because each one costs a fraction of a paisa.
Show you the clause
Rates, caps and dates are parsed from the text by ordinary code, never guessed. Every verdict is shown next to the sentence it came from, with a link to the issuer's document.
What we don't know
Everyone else in this category quietly guesses. Here is where we stop.