Disclaimer

Independence from banks

creditplanner.in is an independent platform. We are not owned by, funded by, or officially affiliated with any of the banks or financial institutions whose cards appear on this site.

The following banks and card issuers are mentioned on this site for informational comparison purposes only:

All bank names, card names, and logos remain the intellectual property of their respective owners. Their appearance on this site does not imply any endorsement of creditplanner.in by those institutions.

We maintain affiliate partnerships with some — but not all — of the banks listed above. A bank or card appearing without an affiliate link receives no different treatment from those with which we have a commercial relationship.

Not financial advice

All content on creditplanner.in and app.creditplanner.in is provided for general informational purposes only. It does not constitute:

• Financial advice or investment advice of any kind
• Credit counselling or debt management advice
• Tax advice or legal advice
• A recommendation to apply for any specific credit product
• A recommendation to spend or not spend a particular amount

Before applying for a credit card or making any significant financial decision, we strongly recommend consulting a qualified financial adviser registered with the appropriate Indian regulatory body.

Affiliate relationship disclosure

creditplanner.in participates in affiliate marketing programmes with banking partners. This means we may earn a commission when you click an "Apply Now" link on this site and subsequently receive a credit card.

How this works in practice:

• When you click "Apply Now", you are redirected to the bank's website via an affiliate tracking link.
• If you complete an application and are approved, the bank pays us a referral fee.
• This fee is part of the bank's marketing budget. It is not added to your card's cost, interest rate, or annual fee.
• The card's terms — including annual fees, interest rates, credit limits, and rewards — are identical whether you apply through our link or directly through the bank's website.

What this means for our editorial independence:

• We only list cards that we believe provide genuine value to users. We do not list cards solely because they offer higher commissions.
• We can only feature cards from banks with which we have affiliate partnerships — this means some good cards may not appear on our platform.
• Commission rates do not determine rankings within our comparison. Cards are evaluated based on their features relative to the user's declared profile.

Accuracy of card information

We make reasonable efforts to ensure that the card information published on this site — including annual fees, reward rates, eligibility criteria, welcome bonuses, and feature descriptions — is accurate at the time of publication.

However, please be aware of the following important limitations:

• Banks can and do change card benefits, fees, reward rates, and terms at any time, sometimes with very short notice to existing cardholders and sometimes without updating public-facing materials immediately.
• Welcome bonuses and promotional offers are time-limited and may have expired or changed since we last updated our listings.
• Eligibility criteria (minimum income, credit score requirements, employment type) can change without public notice.
• Reward point values can be devalued by banks at their discretion.

We are not responsible for any discrepancy between information on this site and the actual terms offered by the bank at the time of your application.

Approval rates and timelines

Where approval rates or processing timelines appear on this site (e.g., "High approval rate", "2–3 day processing"), these are indicative estimates only.

• They are based on general industry patterns and publicly available information, not on verified data from individual banks.
• Actual approval is entirely at the issuing bank's discretion, based on their internal credit assessment of your individual application.
• Your credit score, income, existing debt obligations, employment status, and other factors assessed by the bank will determine whether your application is approved.
• We cannot guarantee, predict, or influence any credit approval decision.

If your application is rejected, we recommend waiting a minimum of 6 months before applying for another card from any bank, as multiple credit enquiries in a short period can negatively affect your CIBIL score. Please consult the bank or a financial adviser for guidance specific to your situation.

CycleIQ specific disclaimer

The following applies specifically to app.creditplanner.in (CycleIQ):

• CycleIQ generates daily action recommendations (spend, pay, avoid) based solely on the billing dates and due dates that you manually enter. It does not connect to your bank, access your account, read your credit card statement, or know your actual outstanding balance.
• If you enter incorrect dates, recommendations will be incorrect. We are not liable for any financial consequences resulting from actions based on recommendations generated from dates entered in error.
• The interest-free period calculation assumes that you will pay your full outstanding balance by the due date. If you pay only the minimum due or a partial amount, your interest-free benefit is forfeited per the terms of your credit card — CycleIQ's recommendations do not account for this.
• CycleIQ does not know your credit card's actual interest rate. It does not calculate or predict your exact interest charges.
• The "estimated interest avoided" figure shown in the streak tracker is purely illustrative, based on a notional ₹10,000 monthly spend per card at an assumed 3.5% monthly interest rate. It is not a statement of actual savings achieved.
• CycleIQ is a personal planning tool — it is not a substitute for reading your monthly credit card statement, which remains your primary source of accurate billing information.

External links

This site contains links to third-party websites, primarily bank websites accessed via affiliate links and blog references.

• We have no control over the content, privacy practices, or terms of service of external websites.
• The presence of a link to a bank or service on this site does not constitute an endorsement of everything on that site.
• We are not responsible for any content, products, or services available on third-party websites.

No guarantee of results

Use of this platform — including completing the card-matching quiz, following CycleIQ daily actions, reading our blog articles, or applying for any card listed on this site — does not guarantee any particular financial outcome.

We make no representations that using this platform will result in:

• Credit card approval
• Any specific credit limit
• Avoidance of interest charges
• Any specific level of cashback or rewards earned
• Improvement in your credit score
• Any financial savings of any amount

By using this site, you acknowledge that you have read this disclaimer and accept its terms in full.