CREDITCARDWALLAH METHODOLOGY
CreditCardWallah is built to help readers ask better card questions: what you spend on, what the fee costs, what the cap excludes, whether you are eligible, and whether the issuer’s current terms still support the claim being made.
AUTHOR AND REVIEWER
CreditCardWallah was created to help people understand credit cards, compare their real-world value and make smarter choices. The site turns issuer terms into practical decision checks; it does not replace the issuer’s application process or live product terms.
Methodology reviewed .
CCW SCORE WEIGHTING
Each dimension is scored out of 10. The final CreditCardWallah Score is a weighted combination rather than a simple star opinion.
| Dimension | Weight | What it captures |
|---|---|---|
| Rewards | 25% | Earn rate, category fit, caps and exclusions. |
| Travel | 15% | Travel redemption breadth, transfer potential, forex and travel utility. |
| Fee | 20% | Fee burden relative to recurring value and a stated waiver path. |
| Flexibility | 15% | Redemption choices, category breadth, simplicity and platform lock-in. |
| Overall Value | 15% | Net usefulness for the defined target user after caps, exclusions and friction. |
| Access & Service | 10% | Availability, application constraints, serviceability and recurring usability. |
Formula: 0.25 × Rewards + 0.15 × Travel + 0.20 × Fee + 0.15 × Flexibility + 0.15 × Overall Value + 0.10 × Access & Service.
Custom CCW Score
This is general comparison information and analysis only, not personalised financial advice. Card approval, limits, benefits, eligibility, rewards and realised savings depend on issuer decisions, individual circumstances and live terms.