Disclaimer

TL;DR — CardTrail provides credit card research, not financial advice. Always verify card terms with your bank. Our data may not reflect real-time changes.

Effective date: 22 March 2026

General Disclaimer

CardTrail (cardtrail.in) is an independent credit card research and comparison platform operated by PYT Co. The information on this Site is provided for general informational and educational purposes only.

Not Financial Advice

Nothing on CardTrail constitutes:

• Financial advice as defined under SEBI regulations
• A recommendation to apply for any specific credit card
• An endorsement of any bank or financial institution
• Tax advice or tax planning guidance

The CardTrail Score and our analysis are tools to help you evaluate credit cards. They are not a substitute for professional financial advice tailored to your personal circumstances. If you need personalized financial guidance, consult a SEBI-registered investment advisor.

Data Accuracy

We strive to maintain accurate, up-to-date information about credit cards in India. However:

• Card terms change frequently. Banks may modify fees, benefits, reward rates, or eligibility criteria at any time, often without advance notice.
• Our data may lag behind changes. While we review our database regularly, there may be a delay between when a bank updates its terms and when we reflect those changes.
• Always verify with the issuing bank. Before applying for any credit card, confirm all terms, fees, and benefits directly with the bank’s official website or customer service.

If you find incorrect data on our Site, please report it and we will correct it promptly.

CardTrail Score

The CardTrail Score is a proprietary analytical tool based on our published methodology. It represents our assessment based on available data and should be considered alongside your personal financial situation, spending habits, and priorities. The score:

• Is not a guarantee of card quality or suitability for you
• May change when card terms are updated or our methodology is refined
• Does not account for your individual creditworthiness or approval likelihood

Affiliate Disclosure

CardTrail may earn affiliate commissions when you apply for credit cards through links on our Site. This commercial relationship:

• Does not influence our CardTrail Scores or rankings
• Does not affect which cards we choose to cover
• Does not give any bank editorial input over our content

For full details, see our editorial policy.

Third-Party Content and Links

Our Site may contain links to bank websites, card application pages, regulatory resources, and other third-party sites. We are not responsible for:

• The accuracy or completeness of third-party content
• Privacy practices of third-party sites
• Any transactions you enter into with third parties

Limitation of Liability

To the maximum extent permitted by applicable Indian law, PYT Co. and its team shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or reliance on information on this Site
• Any financial decisions made based on our content
• Errors, omissions, or inaccuracies in card data
• Interruption or unavailability of the Site

Regulatory Note

CardTrail is not a bank, NBFC, or financial institution. We are not registered with or regulated by the Reserve Bank of India (RBI) as a financial service provider. We do not process credit card applications, handle payments, or access your bank or credit information.

Contact

Questions about this disclaimer? Email legal@cardtrail.in.