Disclaimer & Affiliate Disclosure

CardSparrow is an independent comparison and referral website. We are not a bank, NBFC, card issuer, lender or payment system, and we are not registered with or regulated by the Reserve Bank of India, SEBI or IRDAI. Nothing on this site is personalised financial, investment, legal or tax advice. Information is general, for Indian residents, and may not suit your circumstances.

Some "Apply now" buttons lead to tracked affiliate links or hand your enquiry to a Lender or its partner. When you apply through us and the Lender approves, activates or disburses the product, the Lender or an affiliate network (for example Cuelinks, vCommission or EarnKaro) may pay CardSparrow a referral fee. In some cases we are engaged directly by a Lender as a sourcing partner or Lending Service Provider.

• The fee never changes the price, rate, fee or terms you receive from the Lender.
• The fee never changes our ratings, scores or the default order in which products appear.
• Products that pay us nothing are listed and rated exactly like products that do.
• Any paid placement is clearly labelled "Sponsored". There is none at present.

The CardSparrow score, star rating, "Editor's pick" and "Best for" labels are editorial opinions produced by our team using four criteria: effective reward rate, fee-to-value, perks you will actually use and ease of approval. Star ratings are our editorial assessment, not aggregated user reviews, unless a review count is shown next to them. Card Finder results are a rule-based ranking of our catalogue against the answers you give. Default ordering is by these scores. Our Editorial Policy explains the method.

Card and loan details are compiled from Lenders' public terms, the MITC, Key Fact Statements and partner feeds, and are re-checked periodically. Lenders change fees, reward rates, caps, lounge rules and offers frequently and without notice. All figures are indicative and may be out of date at the moment you read them. The Lender's current MITC or KFS always prevails. Please tell us about errors at hello@cardsparrow.com.

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying. Any eligibility indication, match score or savings estimate on this site is a rule-based illustration from the information you give, not a credit decision, pre-approval or guarantee. Example figures such as "you could save ₹X a year" are illustrations of how rewards work, not promises.

Credit cards and personal loans involve cost and risk. Interest on unpaid credit-card balances is commonly 36% to 48% a year; personal loan APRs vary widely. Borrow only what you can repay, pay card bills in full and on time, and read the MITC or KFS before you sign. Missed payments can damage your credit score and attract penalties.

Bank, card and network names and logos (such as HDFC Bank, SBI Card, Axis Bank, ICICI Bank, Visa, Mastercard, RuPay, American Express) are trademarks of their owners and are used for identification and comparison only. Their appearance does not imply sponsorship, endorsement or a partnership unless we say so explicitly. Card images are illustrative renderings unless marked as official artwork.

We link to Lenders and other third-party sites for your convenience. We do not control them and are not responsible for their content, security, products or privacy practices.