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Terms of Use

Last updated: 17 June 2026

Please read these Terms of Use ("Terms") carefully before using cardartha.com (the "Site"), operated by CardArtha ("we", "us", "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing the Site, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them. These Terms constitute a legally binding agreement between you and CardArtha.

2. Use of Content

All content on this Site — including articles, reviews, data tables, calculators, and graphics — is the intellectual property of CardArtha unless otherwise noted. You may:

  • Read and use content for personal, non-commercial purposes.
  • Share links to our articles on social media or other websites.
  • Quote brief excerpts (under 100 words) with attribution and a link back to the source page.

You may not:

  • Reproduce, republish, or redistribute our articles or reviews in full without written permission.
  • Scrape, crawl, or systematically extract our content for commercial purposes.
  • Use our content to train machine learning models without written permission.
  • Remove or alter any copyright notices or attributions.

3. Not Financial Advice

Content on this Site is for informational and educational purposes only. Nothing on this Site constitutes financial advice, investment advice, or a recommendation to apply for any credit product. Credit card eligibility, fees, and terms change frequently. Always verify current details with the issuer before applying.

CardArtha is not a registered financial advisor, investment advisor, credit counsellor, or lending institution. We do not have access to your financial information and cannot advise on your specific financial situation.

4. Accuracy of Information

We make every reasonable effort to ensure the accuracy of information published on this Site and verify data against primary issuer sources. However, we make no warranties, express or implied, as to the accuracy, completeness, or timeliness of any information. Card terms, fees, and reward structures can change without notice. CardArtha is not liable for any loss or damage arising from reliance on information published on this Site.

5. Affiliate Links & Commercial Relationships

This Site contains affiliate links. When you click an affiliate link and apply for a credit card, we may receive a commission from the issuer or affiliate network at no cost to you. These commercial relationships do not influence our editorial ratings or rankings. See our Affiliate Disclosure for full details.

6. Third-Party Links

The Site contains links to external websites, including issuer websites, airline loyalty programs, and hotel programs. These links are provided for convenience only. CardArtha does not endorse and is not responsible for the content, accuracy, or privacy practices of any third-party websites. Visiting external links is at your own risk.

7. Comments and User Submissions

Comments on our articles are powered by Cusdis. By submitting a comment, you:

  • Grant us a non-exclusive licence to display the comment on the Site.
  • Confirm the comment is your own and does not infringe any third-party rights.
  • Agree not to post spam, abusive, defamatory, illegal, or off-topic content.

We reserve the right to remove any comment without notice. We are not responsible for comments posted by users.

8. Limitation of Liability

To the fullest extent permitted by applicable law, CardArtha and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Site or its content, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold CardArtha harmless from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Site, your violation of these Terms, or your infringement of any third-party rights.

10. Modifications to the Site and Terms

We reserve the right to modify or discontinue the Site (or any part of it) at any time without notice. We may also update these Terms at any time. The "last updated" date at the top of this page will reflect the most recent revision. Continued use of the Site after any changes constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of India.

12. Contact

For any questions about these Terms, please use our contact form.