Brief

Everything on record for one card: fees and the waiver, earn rules with their caps, payment rail (UPI or card) and validity, exclusions, transfer partners with ratios and times, lounges, milestones, the statuses it grants, and its dated change history. Every row carries its grade, check date and source.

Changes banks have made to card rules since a date: devaluations, fee changes, lounge gates, transfer partners added or removed, improvements. Newest first, upcoming ones included and marked. Each change carries the date it takes effect, the cards it touches, grade, check date, source and its own page on getbrief.cards.

Ranks the cards a person holds for one spend: a merchant (such as "MakeMyTrip", "Swiggy", "amazon.in") or a category, and an amount in rupees. Each card comes with the points, their ₹ value at Brief’s estimate and at the baseline its card page prints, the working, the rule and its source, any cap that bites, the transfer route the value assumes, and a cheaper channel (a bank’s travel portal) with the portal rule’s own condition, beside every portal rule weighed for that card (channels). When the order changes at baseline values, the answer says so. Month-to-date spend counts as zero unless wallet.month_to_date carries it, so a monthly cap reads as untouched; the answer says which. Nothing in the wallet is stored.

Finds Indian credit cards by name, issuer, network, fee band and three filters: forex markup of 1% or under, lounge access, transfer partners. Each card comes with its slug, annual fee, base earn, one line of facts, grade, check date, source and its page on getbrief.cards. Cards no longer issued are left out unless include_discontinued is true. Use a slug from here in every other call.

Where points can move, by programme or by card. A programme ("Marriott Bonvoy", "KrisFlyer", "Axis EDGE Miles", "HDFC Reward Points") returns the routes out of it and into it; a card slug returns the routes its points take. Each route carries the ratio as from:to, the transfer time, the minimum, any annual limit or card restriction, grade, check date, source and the transfer page on getbrief.cards.