Card Gyani is a comparison platform, not a financial institution.
Card Gyani (cardgyani.com) provides credit card comparison services for informational purposes only. We are not a bank, non-banking financial company (NBFC), or licensed financial advisor registered with SEBI, RBI, or any other Indian regulatory body.
We aggregate publicly available credit card data from official bank MITC (Most Important Terms and Conditions) documents and present it in a structured, comparable format. This helps consumers make informed decisions about which credit card may suit their needs.
Card Gyani earns revenue through affiliate partnerships with banks. When you click "Apply Now" and are subsequently approved for a credit card, we may receive a referral fee from the issuing bank. This referral fee does not increase the cost of the card to you — the terms you receive are the same as if you applied directly.
Important: Our comparison rankings and default sort order (annual fee: lowest first) are NOT influenced by affiliate commissions.
While we source all data from official bank MITC documents and update it regularly, credit card terms (fees, rewards, eligibility criteria) may change without prior notice. Always verify current terms, conditions, and eligibility on the issuing bank's official website before applying.
Credit card issuance in India is regulated by the Reserve Bank of India (RBI). All credit cards listed on Card Gyani are issued by RBI-licensed banks. Card Gyani is not regulated by the RBI as we do not provide any banking or financial services.
Under RBI's Master Direction on Credit Cards (2022), you have the right to:
If you believe any information on Card Gyani is inaccurate or misleading, please email: cardgyani@gmail.com
We will verify and correct any discrepancy within 7 working days.