Not a SEBI-registered Investment Adviser
CardAdvisor is a credit card comparison and information platform. We do not provide investment advice, securities advice, or any regulated financial advisory service as defined under the SEBI (Investment Advisers) Regulations, 2013. We are not registered with SEBI as an Investment Adviser, Research Analyst, or in any other regulated capacity. Nothing on this platform should be construed as investment advice or a recommendation to buy, sell, or hold any financial instrument.
CardAdvisor is a comparison and information service only. We do not accept deposits, lend money, or process payments, and hold no authorisation from the Reserve Bank of India (RBI) or any other financial regulator.
Not affiliated with any similarly named service
CardAdvisor (cardadvisor.in) is an independent Indian platform operated by Devchandra Sah. We have no affiliation, association, partnership, or connection with any other website, company, or service operating under a similar name in India or any other country. Use of the name "CardAdvisor" by any other entity does not imply any relationship with this platform.
Information, not advice
CardAdvisor provides general information and comparison tools for Indian credit cards. Nothing on this site constitutes financial, investment, tax, or legal advice, or a recommendation to apply for any specific product. Every person's financial situation is different — consider your own circumstances and consult a qualified professional where appropriate.
No guarantee of approval
A card appearing in your results, receiving a high score, or being recommended does not mean you will be approved for it. Approval decisions are made solely by the card issuer, based on your credit history, income, employment, and other factors that CardAdvisor has no visibility into or influence over. Always check the issuer's eligibility criteria before applying.
Accuracy & freshness
We work hard to keep card data accurate and show a "last updated" date where available — that date is when the card's data last CHANGED, not a claim that someone re-read the issuer's document that day. However, issuers change fees, reward rates, and benefits frequently and without notice. Estimated reward values are illustrative and depend on your actual spending patterns and redemption choices. Always confirm the current terms, fees, and benefits on the card issuer's official website before applying.
Independence & affiliate links
CardAdvisor earns a small affiliate commission on some cards: where a card carries an affiliate link, an affiliate network pays us a fixed fee if you apply through it and are approved — at no extra cost to you. Two American Express cards are the exception: their "Apply" links are the owner's personal Member-Get-Member referral, which earns Membership Rewards points from the issuer and an enhanced welcome bonus for you. No issuer pays us to feature, rank, or recommend a card. Many cards carry no such link, and every affiliate link carries a "sponsored" tag with the arrangement disclosed site-wide via the footer's "How we make money" link; other "Apply" links take you to the issuer's official website.
These commissions have no bearing on our rankings, which are generated algorithmically — no issuer can pay to rank higher, and a card that earns us nothing can (and often does) outrank one that pays. We do not accept deposits, lend money, or process payments. For the full picture, see our How We Make Money page.
External links
We are not responsible for the content, accuracy, privacy practices, or reliability of third-party sites (including card issuer websites) that we link to. Visiting those sites is at your own risk and subject to their own terms and policies.
Trademarks & intellectual property
All product names, company names, logos, card designs, and brands (including bank and payment-network marks such as Visa, Mastercard, RuPay, and American Express) are the property of their respective owners and are used here solely for identification and comparison purposes. CardAdvisor is independent and is not affiliated with, endorsed by, or sponsored by any card issuer or payment network. We do not display, host, or hotlink any issuer's card artwork, logos, or product photography. Every card face shown on this site is our own original illustration, generated from a per-card design recipe and deliberately non-representational — it is not a reproduction of any issuer's card design. Issuer and network names appear as plain text, for identification only. We claim no ownership of any issuer's intellectual property and will act promptly on any good-faith request (see Takedown requests below).
All original content on this site — articles, scoring methodology, generated card illustrations, and site design — is owned by Devchandra Sah, operating as CardAdvisor, and may not be reproduced without permission.
Takedown requests: if you own a trademark or copyright and believe any name, logo, image, or text on this site is used improperly, email grievance@cardadvisor.in with details of the material and your claim. We will review and respond within 5 business days.
Limitation of liability
To the fullest extent permitted by applicable law, CardAdvisor is not liable for any direct, indirect, incidental, or consequential financial loss arising from decisions made based on information provided on this site. The service is provided "as is" without warranties of any kind. See our Terms of Use for the full liability terms.
Governing law
This disclaimer is governed by the laws of India. Any disputes arising from use of this site shall be subject to the jurisdiction of the courts of New Delhi.