Income cards have become popular around the world due to their convenience and the benefits they provide. For example, some income cards not only serve as a bank account, they also offer reward programs and generate interest on existing balances. For banks, income cards have become a key way to attract and keep consumers, all the while also receiving commission income. For this reason, banks are continuously updating their income card offering. At the same time, banks are also placing conditions on consumers to receive benefits. For example, many banks tie interest benefits to card turnover, average monthly balance or type of income. Moreover, banks are generally afforded the chance to unilaterally change conditions for such cards at any time, placing the onus on consumers to track such changes. Although income cards are attractive for consumers and are likely to remain as key selling points for banks, consumers should be vigilant in monitoring the conditions for receiving card benefits.