How Rankings Work

Scores are descriptive, not advice

A score summarises how a product compares with peers in the same category on published, measurable attributes. It is not a prediction of your outcome and not a recommendation. Two products with similar scores can suit very different people.

Factors we score

• Cost: interest ranges, annual and joining fees, expense ratios, processing and prepayment charges.
• Value returned: reward rate, interest earned, cover amount per rupee of premium.
• Access: eligibility width, minimum income or ticket size, documentation load.
• Reliability: claim settlement ratio, service network, disclosed grievance turnaround.
• Transparency: how clearly charges, caps and exclusions are published.

How weights are set

Weights differ by category because what matters differs. Insurance leans on claim behaviour and exclusions; credit cards lean on net reward value after fees; loans lean on total cost of borrowing. Weights are fixed for a category before products are scored, so no single product can be tuned upward.

Default ordering

Listing pages default to a neutral order (score, then popularity of the category filter you selected). You can re-sort at any time, and sorting controls never hide products. Sponsored or affiliate status, where it exists, has no effect on position.

Known limitations

• Provider terms change; a score reflects the data as of the verification date shown on the page.
• Fields that providers do not publish cannot be scored, so some categories score on fewer factors.
• Personal factors — credit history, health, tax bracket, goals — are outside any score.