Saurav Nanda
Saurav Nanda founded CardPolo because most "best card" lists rank by headline rate, not by what a card actually pays you after category caps, annual fees, and forex markup. CardPolo ranks by net annual value instead, and every card fact on the site either traces to the issuer’s own source with a last-verified date or is labelled unverified. He splits time between India and the US, which is why the site covers both markets, and he does not recommend a card he would not carry himself.
What he actually carries
Saurav carries HDFC, Axis, and IDFC FIRST cards in India, and American Express and other US-issuer cards in the US. The guidance here comes from someone who pays real bills on both sides of that split, in rupees and in dollars, not from a faceless byline.
How CardPolo checks its facts
Card facts are verified against each issuer’s own source, and the ones we have confirmed carry a last-verified date on the card page. Cards we have not re-verified are labelled unverified rather than presented as sourced. Read the about page for the full method.