Plain rules, published. If a ranking ever looks off, tell us at hello@kitools.in and we'll check it.
Every card's apply link is opened and checked against the store it lands on before it goes live. A link we can't verify is hidden, not guessed. Cards whose product type doesn't match (for example a loan listed as a card) are removed.
The finder and the best-for lists score cards only on what the card offers for your need: fee (lifetime free scores higher for beginners), rewards on the matching spend category, lounge access, fuel or UPI benefits, and FD-backed approval for new-to-credit users. What we earn from a card is never an input.
We re-check links whenever we update the catalogue, and the 'last verified' date shows when that last happened. Banks change fees and benefits without warning, so always confirm the final terms on the bank's page before you apply.
Some apply links are affiliate links. If the bank approves your card we may earn a commission, at no extra cost to you. It keeps every KiTools tool free. We never show or sell your personal details, and we never call you.
No fake reviews, ratings or 'people applied today' counters. No 'guaranteed approval' claims. No investment advice. Card information is general and is not a recommendation for your situation.