Terms of Service

1. Acceptance of Terms

By accessing or using CardReferral.in ("the Website"), you agree to comply with and be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use or access this Website.

2. Description of Services

CardReferral.in provides a comprehensive comparative index of credit cards available in India. We present data regarding fees, joining perks, rewards schedules, and lounge privileges. Additionally, we provide an optional credit card referral rewards program where users can submit reference details of successful credit card applications to earn Amazon shopping vouchers.

3. Accuracy of Information

While we make every effort to maintain the accuracy and currency of our card details (including annual fee thresholds, interest rates, reward point values, and airport lounge rules), banks frequently update their criteria without notice. CardReferral.in does not warrant the completeness, accuracy, or reliability of any information displayed on this Website. Users are strongly advised to verify all critical terms on the official bank site before final application.

4. Referral Rewards Program

Participation in our "Refer & Earn" program is subject to the following rules:

• Verification Requirement: Vouchers are issued only for verified, completed, and bank-approved applications initiated via our partner routes.
• Submission Validity: Users must submit valid application reference numbers, applicant names, and contact details matching those verified by the processing bank.
• Audit Window: Reference numbers are audited with processing banks within 7 to 15 business days. Decisions made by our verification system regarding reward eligibility are final.
• Voucher Cap: Payout bonuses (up to ₹2000 Amazon vouchers per approved card) are subject to change based on active bank campaigns and platform promotions.
• Abuse Policy: Submitting fake reference numbers or fraudulent data will result in immediate suspension from our platform and cancellation of all pending vouchers.

5. Privacy & Data Security

Your use of our platform is also governed by our Privacy Policy and Data Retention Policy. CardReferral.in complies strictly with the Digital Personal Data Protection (DPDP) Act 2023, India. We do not store PAN card numbers, banking passwords, or Aadhaar credentials. We guarantee that your information is kept secure and will never be shared with telemarketers or third-party brokers.

6. External Links & Redirections

Our comparison matrices and apply buttons contain outbound links leading to official banking and affiliate portals. Once you leave CardReferral.in, you are bound by the terms, cookie preferences, and privacy rules of that external site. We hold zero liability or responsibility for transactions, issues, or disputes arising on external bank domains.

7. Intellectual Property

All brand logos, credit card product names, and banking trademarks displayed on CardReferral.in are the intellectual property of their respective banks. Our use of these assets is purely for informational and comparison purposes under fair use. The codebase, page layout designs, comparison engines, and visual assets are proprietary to CardReferral.in.

8. Limitation of Liability

To the maximum extent permitted by applicable Indian laws, CardReferral.in and its developers shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of the Website, including card application rejections, delayed referral audits, or reward cap modifications.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the competent courts of New Delhi, India.

10. Contact Us

For questions or clarifications regarding these terms, please write to us at:

Email: legal@cardreferral.in
Office Hours: Monday to Friday (10:00 AM to 6:00 PM IST)