Methodology
Tilla is built around source-backed records, visible caveats, and practical comparisons. This page explains what we check, what we calculate, and where users still need to verify details with the bank.
We use tracked records and public bank sources where available.
We show caveats when data is incomplete, estimated, or subject to change.
We do not guarantee approval, rewards, bonuses, or product availability.
Tilla tracks card names, issuer names, reward rates, caps, exclusions, fees, eligibility rules, benefits, promotions, and salary-transfer offer terms where those details are available from source records.
We prefer official bank pages, terms pages, pricing documents, reward documents, and monitored source records. If a page lacks a source, it should not present that detail as verified.
Verified means the item has been reviewed against data available to Tilla. It does not mean the bank has endorsed Tilla, and it does not mean the data can never change.
Where possible, pages show source links, last checked dates, and clear labels such as Not verified, Not listed, or Check official terms.
Reward estimates depend on the spend amount, category, merchant hints, reward rate, caps, exclusions, and reward currency. These outputs are scenario estimates, not guaranteed returns.
Points and miles can be worth different amounts depending on how they are redeemed. If Tilla uses a value assumption, the page should say so.
Before applying for a card, switching salary, or relying on a reward calculation, users should check the latest official bank terms. Banks can change fees, eligibility, caps, and offers without notice.
Tilla is a comparison and information tool. It is not a bank, broker, adviser, lender, or credit decision maker.
Best means best for the stated scenario among cards or offers currently tracked by Tilla, not the entire market.
Ranked lists should explain the data used, the cards or offers included, and the basis for sorting.
If there is not enough verified data to make a fair comparison, the page should say so or stay unpublished.
Benefit pages may show direct access matches, scheme-based matches (for example included via AVD+), and related options. These are separate layers and should not be mixed.
Send the source link and the detail that needs checking. We will review it against the relevant bank source and update the record where the evidence supports a change.