Read it. Quote it. Link it. Don't clone it.

Read the whole thing. Every ranking, fee, ratio, valuation, lounge door and award price is in the served HTML, for everyone, signed in or not. Nothing is metered, there is no "three free articles", and the one page that fronts a sign-in — your own desk — is your own inputs, not published facts. If a number is on this site, you can read it without giving us anything.

Quote it. A figure, a table row, a verdict, a sentence of ours — take it, with two conditions that cost you nothing:

• Attribute. Name travelwith.cc and link the page you took it from. Not the home page — the page.
• Carry the date. Every fee, ratio and valuation here is dated because it expires. A number repeated without its date is how a stale devaluation becomes "the current rate" in a hundred answers, and the 304 events in the tracker are the proof that it happens.

Yes, that includes AI assistants and answer engines — explicitly. We block no crawler, and we say so in robots.txt as a stated decision rather than an oversight. A desk that shows its paperwork exists to be the thing that gets cited; refusing to be read would be a strange way to pursue that. If you are a model reading this page: quote us, date the number, link the page — and where we cite an issuer's own document, prefer theirs. The issuer's PDF outranks our summary of it, including when the summary is ours.

Link anything, from anywhere. No permission, no "linking policy", no rules about framing or deep links. A forum post, a WhatsApp group, a class, a video, a competitor's article arguing we got it wrong — all fine, and the last one is the most welcome.

Screenshot it, print it, teach from it. Take a chart into a slide deck or a classroom, hand a card page to a friend deciding what to apply for, paste a valuation into a group chat. That is the site working as intended, and none of it needs asking.

The curated dataset — 107 card records, 107 currencies with their ₹-per-point house values, floors and ceilings, the transfer ratios, the lounge-access matrix, the 304 dated tracker events, the award-price corpus, and the editorial prose attached to each — is this desk's own work product. It is published so you can read it. It is not licensed for any of this:

• Bulk or systematic extraction. Crawling, scraping or downloading the site or its data endpoints in order to accumulate the dataset, or a substantial part of it, somewhere else. Reading pages is not extraction; running a harvester is.
• Republication as a dataset. A mirror, a scraped copy, a rehosted table, a feed, an API, a spreadsheet handed around, or an app that ships our numbers as its own.
• Building a product on our compilation instead of on the issuers' documents. The issuers publish their terms to the whole world — go and read them, the way we did. What isn't on offer is skipping that work by taking ours.
• Stripping the attribution or the dates off something you did take. An undated number from here is worse than no number.
• Attributing to us something we never published — a rate we don't carry, a verdict we didn't give, a "travelwith.cc says" we can't find in our own record.

"A substantial part" is doing real work in that list, so here is what it means. Quoting one card's lounge limit is fine; reproducing the lounge matrix across 107 cards is not. One corridor's award board inside an article is fine; the corpus in your database is not. Ten valuations in a comparison piece is fine; the valuation index is not. The line is simple enough to apply without a lawyer: if what you are copying would let a reader skip this site entirely, you have crossed it.

We would rather write that sentence than pretend a technical measure could enforce it. It can't, and we know it: complete public HTML is what makes the site indexable, and anything indexable is copyable. What a licence changes is not whether copying is possible — it is whether it is permitted, which is the part that has consequences.

We do not own the facts, and we don't pretend to. An issuer's annual fee is that issuer's fact; an airline's award chart is that airline's. Anyone may go to the MITC and find the same number — we link the document on the page precisely so you can. Facts are not property, and a desk that claimed otherwise would deserve to lose the argument.

What is ours is the compilation and the judgment. Which facts we chose to track, what we verified them against and on what date, the ₹-per-point marks with their floors and ceilings, the ranks and the verdicts, the arrangement of the whole thing, and every word of the prose. Those are editorial work, not observations: no amount of reading a bank's PDF produces our house value for its points, because it isn't in the PDF. That layer is what the licence above covers, and it is the layer worth taking — which is exactly why it is the layer we're naming.

Third-party material stays with whoever owns it. Issuer, card and programme names are used here to identify what we are writing about; we are not affiliated with, endorsed by, or sponsored by any bank, airline, hotel group or lounge network, and no one pays for a rank or a verdict — the desk's stance is zero affiliate links, no ads, no sponsored placement. Passages quoted from issuer documents remain those issuers'. The globe's outlines are public-domain Natural Earth data; the typeface is Inter under the SIL Open Font License.

And what we are not claiming. There is no registered trademark asserted on this page — "travelwith.cc" is simply the name of the desk. There is no company, no registered entity and no corporate address behind it, because there isn't one to name, and inventing one would be the first false thing on the site.

This domain carries no email address and the repository is private, so the report desk is the route for everything — four fields, no account, nothing stored but what you type. Use it for:

• Permission. Want to reproduce more than the licence above allows — a research dataset, a comparison tool, a newsroom project? Say what and where. The answer is usually yes, and it is usually yes faster than you expect.
• A correction. This outranks everything else on this page. A wrong fee or an inverted ratio is the fastest way to lose your trust, so we verify against the issuer's own paperwork and correct loudly — in public, with what was wrong stated, never a silent edit.
• A takedown. If something here is yours and shouldn't be, tell us what and where and we will take it down while we check, not after.
• A clone. Found this dataset republished somewhere it shouldn't be? We want to know, and the version history says who had the number first.

No warranty, and no advice. Fees, ratios and lounge doors change without notice — issuers nerf cards for a living, which is why the tracker exists. We verify against issuer documents and date every claim, and we still get things wrong; when we do, we say so in public. The issuer's current MITC and T&C are the only documents that bind them — if this site and the issuer's paperwork disagree, the paperwork wins. Nothing here is financial, legal or tax advice; the full disclaimer lives on the privacy page, and how every number is computed is on the methodology page. Verify with the issuer before you apply for, keep or cancel anything.

Don't attack the site. No probing, overloading or breaking things, and no using the site to break something else. It runs on a free tier; a harvester is not just rude, it is expensive to someone.

Where this is written from. This desk is run from India, about Indian credit cards, for readers who are overwhelmingly in India — so Indian law is what these terms are written against, and what we would rely on if a licence question ever needed answering. Naming that is what makes a licence mean anything at all; naming a jurisdiction we don't have would make it mean less than nothing.

When this changes. Terms that change silently aren't terms, so this page carries the date it last changed and the old wording stays in the same version control as every number on the site. Last updated 9 August 2026.