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 — reward rates, caps, fees, milestones, 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 sometimes without notice — always confirm rates, fees and conditions with the issuer before applying for a card or making spending decisions based on 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 — tell us and we'll re-verify it.

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.

Your account

Keep your password to yourself; you're responsible for activity 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 — scraping, attacking, or attempting to access other users' 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.