Disclaimer

The content on PaisaKhoj is provided for general information and education only. It is not financial, investment, credit, tax, insurance or legal advice, and it is not a recommendation, offer or solicitation to buy, apply for, hold or sell any product. Please read this together with our Terms of Use.

PaisaKhoj is not a bank, lender, NBFC, housing finance company, payment aggregator, credit information company, insurer, insurance broker or web aggregator, stock broker, investment adviser, research analyst, mutual fund distributor or portfolio manager. We are not regulated, licensed or authorised by the Reserve Bank of India, SEBI, IRDAI, PFRDA or any other financial regulator. Mentions of any regulator or law are for explanation only and do not imply endorsement.

We are not a lending service provider or a digital lending app. We do not originate, arrange, underwrite, service or collect any loan or card, and we do not collect applications or borrower data.

Nothing on the Site, including eligibility notes, calculators and “suits / less suited to” descriptions, tells you whether you will be approved or what limit, rate or benefits you will receive. Providers decide on their own criteria, including your credit report, income and internal policy. We do not guarantee any outcome, saving, reward value or return.

Product information is taken from providers’ own published sources and checked on the dates shown, but it changes. There may be errors, omissions or delays. Always confirm the current fees, interest rates, rewards, eligibility and terms on the provider’s official website, Most Important Terms and Conditions and application form before you apply. Where a field says it is not stated by the issuer or not available, it is not a zero, waiver or promise.

The rupee value of points, miles, cashback and vouchers is an estimate based on stated assumptions. Real value depends on how, where and when you redeem, and providers can change or devalue programmes without notice. Our valuations are opinions, not facts.

Credit cards and loans carry a cost. Interest on unpaid card balances is typically charged at a high annual rate, late payment and other fees and GST apply, and missed payments can harm your credit score and lead to recovery action. Borrow only what you can repay. Use the Reserve Bank of India’s rules on credit cards and the provider’s MITC as the authoritative references.

Where we mention deposit insurance, cover is provided by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to the limit and subject to the conditions in law. Check the current limit and whether your bank is covered before relying on it.

We do not control or endorse the websites, products, advertisements or statements of providers or other third parties. Their trade names, logos and card images belong to them and are used only for identification. We are not responsible for any loss that results from dealing with them.

Examples, scenarios and past figures are illustrations. They do not predict future results. Tax treatment depends on your circumstances; consult a qualified professional.

To the fullest extent permitted by law we exclude liability for any loss arising from your reliance on the Site, as set out in the Terms of Use. This does not affect any right that cannot lawfully be excluded.

Last updated: 31 October 2026.