Trust before ranking

Methodology & limitations.

Mango Orbit compares a growing curated editorial set of credit cards. It is not a complete market ranking and no card is universally “best”.

Issuer-only sourcing

Product facts come from issuer-controlled pages and documents recorded in each card’s official source list. Every record has a last-reviewed date. Terms can change after review, so the issuer’s current page remains decisive.

Unknown stays unknown

A null value is never interpreted as zero, free, unavailable or ineligible. Confirmed filter matches exclude unknown or conflicting facts. Potential matches are shown separately and explicitly require verification.

Fees and waivers

Published joining and annual fees are shown separately and exclude GST. Lifetime-free means the standard joining and annual fees are both confirmed at zero without a relationship or spend condition. Waivers apply only when a published eligible-spend threshold can be compared; exclusions may still apply.

Lounge access

Visit quotas, unlimited flags and qualifying-spend rules are independent facts. A positive quota does not imply spend-free entry. Vouchers and airport dining reimbursements are not converted into lounge visits. International lounge generally refers to lounges outside India, subject to issuer programme wording.

Rewards

Cashback, points, miles, NeuCoins and other units are not interchangeable. Mango Orbit shows the issuer’s earning unit and conditions. It does not invent a rupee value for points or lounges, and does not calculate guaranteed annual savings when caps or eligible-spend rules cannot be proven.

Eligibility and recommendations

The finder uses deterministic fit points for stated priorities, fee limits and verified constraints. Comparable income uses the same employment type, period and gross/net basis. “Meets threshold” is not approval: credit history, geography, existing relationships and issuer underwriting still matter.

Freshness: records reviewed more than 90 days ago should receive extra scrutiny. Old data is not automatically false, but verify every material term immediately before applying.

Commercial independence

There are no ratings, user reviews, paid placements or affiliate application links in this MVP. If commercial relationships are added later, they must be disclosed and kept separate from ranking logic.