Card Gyani (cardgyani.com) is a credit card comparison platform operated by Rajkumar Desai ("we," "us," "our"). By accessing this website, you agree to these terms.
Card Gyani is an information and comparison tool. We are NOT a bank, NBFC, financial advisor, or credit card issuer. We do not:
Card information displayed on Card Gyani is sourced from official bank MITC (Most Important Terms and Conditions) documents published under RBI guidelines. While we strive for accuracy, fees, rates, and benefits may change without notice. Always verify current terms on the issuing bank's website before applying.
When you click "Apply Now" on Card Gyani, you are redirected to the bank's official website. If you subsequently apply for and are approved for a credit card, we may receive a referral commission from the bank. This does not affect the information we display or the order in which cards appear. Our default sort is by annual fee (lowest first), not by commission.
Nothing on Card Gyani constitutes financial advice. Credit card selection depends on your individual financial situation, spending habits, and creditworthiness. We recommend consulting with a qualified financial advisor for personalised guidance.
All content, design, and code on Card Gyani is owned by us. Card names, logos, and trademarks belong to their respective banks and card networks (Visa, Mastercard, RuPay, American Express, Diners Club).
Card Gyani is provided "as is." We are not liable for any losses arising from your use of this website or reliance on the information presented. All credit card applications are subject to the issuing bank's terms and conditions.
These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.
We may update these terms from time to time. The "Last updated" date at the top reflects the most recent revision.
For questions about these terms: cardgyani@gmail.com