The ground rules

Last updated: 9 August 2026

What this site is

WhichCard is a research tool. It organises publicly available information about Indian credit cards, things like reward rates, caps, fees, milestones and perks, so you can compare the cards you hold. Every card page lists its sources and the date the data was last verified.

What this site is not

It is not financial, investment, or legal advice, and we are not a licensed financial advisor, bank, or card issuer. The rankings are arithmetic over researched numbers, not recommendations tailored to your financial situation. Banks change their terms constantly, and often without telling anyone, so always confirm rates, fees and conditions with the issuer before you apply for a card or decide where to spend on the strength of what you read here.

Accuracy, honestly stated

We work hard to keep the data right: figures are researched from official bank pages and reputable community sources, cross-checked, dated and cited. We still make no warranty that any figure is current or error-free, and we accept no liability for decisions made on the basis of this site. If a number is stale or wrong, we want to know about it. Tell us and we will check it again.

Trademarks

Bank and card names (HDFC, ICICI, Axis, SBI and the rest) are trademarks of their respective owners, used here only to identify the products being described. WhichCard is independent and unaffiliated with every one of them.

Referral links

Some cards carry a Get this card button that uses a referral link, and applying through it can pay WhichCard a fee. The disclosure sits beside every such button. Rates, ranks, scores and verdicts are researched from issuer documents and are never edited to favour a card that carries a link, and a card never gets a link as a reward for ranking well.

Your account

Keep your password to yourself. You are responsible for what happens under your account. You can stop using the site at any time and ask for your data to be deleted (see the privacy policy). We may suspend accounts that abuse the service, meaning scraping it, attacking it, or trying to reach other people's data.

Changes

These terms and the service itself may change as the site evolves. Material changes will be reflected on this page with a new date. Continued use after a change means you accept it.

Governing law

These terms are governed by the laws of India.