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Launches, devaluations and RBI rules — and what each one means for your wallet.
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A fee waiver is now close to universal across CredSpy's catalogue, which makes it useless as a comparison point. What separates cards is the spend threshold — and the exclusions that decide whether y…
2 min readCredSpy Data Desk
A review of every card in CredSpy's catalogue finds complimentary lounge access on 13 of 40. The dominant structure is a fixed annual count split int…
2 min readCredSpy Data Desk
Eight cards in CredSpy's catalogue advertise a nil or zero joining fee. Only three waive the annual fee for life as well. The gap is where most secon…
2 min readCredSpy Data Desk
Everything worth knowing before you choose. All of it is on this page — open only what you need.
Two kinds of story run here. The first is what changed: an issuer pausing new applications, a fee being revised, a reward structure being cut or a co-brand ending. The second is data analysis across the cards in the CredSpy catalogue — reading every card's published terms and reporting the pattern.
The data pieces exist because the interesting facts are rarely in any single card's marketing. Almost every card advertises an annual fee waiver, which makes the waiver itself meaningless as a differentiator; what matters is the spend threshold behind it, and those vary enormously while being described in identical language.
The same applies to lounge access. An annual allowance split into quarterly caps reads as generous and behaves as something much smaller, because unused visits do not carry forward and the quarters are the bank's, not yours.
Every analysis is read from issuer fee documentation and Key Fact Statements. Where a card's terms are ambiguous, the story says so rather than resolving the ambiguity in the issuer's favour.
Three analyses of the current catalogue are worth reading before choosing any card:
