Disclaimer

1. Informational Purpose Only

All content published on CardArtha (cardartha.com) — including credit card reviews, comparison tables, points valuations, calculator outputs, and editorial articles — is provided for informational and educational purposes only.

CardArtha is not a bank, financial institution, credit bureau, registered financial advisor, investment advisor, or lending institution. We do not offer financial products, accept deposits, or facilitate credit applications directly.

2. Not Financial Advice

No content on this Site should be construed as personalised financial advice, investment advice, credit counselling, or a recommendation to apply for any specific credit card or financial product. The suitability of any credit card depends on your individual financial situation, credit history, income, spending patterns, and personal goals — factors we cannot assess.

Before applying for any credit card or financial product, you should:

• Read the full Most Important Terms and Conditions (MITC) document from the issuer.
• Assess your own financial situation and repayment capacity.
• Consult a qualified financial advisor if needed.
• Contact the issuer directly to verify current terms, fees, and eligibility criteria.

3. Accuracy and Currency of Information

Indian credit card terms, annual fees, reward structures, lounge access policies, and promotional offers change frequently, often without prior public notice. While we make every reasonable effort to keep our reviews and data accurate and up to date, we cannot guarantee that all information is current at the time you read it.

All reviews on this Site include a "last verified" date and links to primary sources. You should independently verify all terms with the issuer, particularly before applying for a card or making a significant financial decision based on our content.

4. Calculator and Tool Outputs

The calculators and tools on this Site (points value calculator, spend-to-earn calculator, card finder quiz) produce estimates based on publicly available information and our editorial judgement. These outputs are illustrative and may not reflect actual redemption values, earn rates, or eligibility at the time of use. Actual results will vary.

5. Affiliate Relationships

This Site earns revenue through affiliate links and advertising. See our full Affiliate Disclosure for details. While these relationships do not influence our editorial ratings, readers should be aware that a commercial context exists.

6. Third-Party Websites

Our Site links to third-party websites including card issuers, airline loyalty programs, hotel programs, and other content sites. CardArtha is not responsible for the content, accuracy, privacy practices, or reliability of any third-party website. Links to third-party sites do not constitute an endorsement.

7. No Warranty

This Site and its content are provided on an "as is" and "as available" basis, without any warranties of any kind, express or implied. CardArtha makes no warranty that:

• The Site will be uninterrupted, error-free, or free of viruses or other harmful components.
• Information on the Site is accurate, complete, or current.
• Results obtained from using the Site will be accurate or reliable.

8. Limitation of Liability

To the maximum extent permitted by applicable law, CardArtha and its operators shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from:

• Your use of or inability to use this Site.
• Any inaccuracy or incompleteness of information on this Site.
• Any financial decision made in reliance on information published on this Site.
• Any credit application outcome or card terms that differ from those described on this Site.

9. Contact

If you believe any information on this Site is inaccurate, please contact us. We take accuracy seriously and will investigate and correct errors promptly.