cff-version: 1.2.0
title: "Indian Credit Card Facts — an open dataset"
message: "If you use this dataset, please cite it as below."
type: dataset
authors:
  - family-names: "Sah"
    given-names: "Devchandra"
    website: "https://cardadvisor.in"
abstract: >-
  A dated, machine-readable record of the Indian credit-card market: fees, stated eligibility,
  reward rates with their caps and one point value per row, perk types, a sourced history of
  changes to card terms, the points-transfer network (ratios, gates, caps), and one realistic
  point value per card and programme. Facts, not the editorial model. Four tables in JSON and
  CSV. Every release is immutable and separately citable. Known accuracy is published rather
  than asserted — a fixed 30-card sample is re-checked against issuer primary sources and the
  failures are published alongside the successes.
keywords:
  - credit cards
  - India
  - consumer finance
  - fees
  - rewards
  - loyalty programmes
  - open data
  - financial products
license: CC-BY-4.0
repository: "https://cardadvisor.in/data/versions"
url: "https://cardadvisor.in/data"
version: "v2026-08-16"
date-released: "2026-08-16"