Terms of Service

CardGenie is an independent credit card comparison platform. We are not a financial advisor, bank, or regulated financial institution. Information published on CardGenie is for comparison and informational purposes only and does not constitute financial advice.

By using CardGenie, you acknowledge that you are making your own independent financial decisions and that CardGenie is not responsible for those decisions.

We strive to maintain accurate and up-to-date credit card information. However:

• Card fees, reward rates, and terms change frequently. Information on CardGenie may not always reflect the latest changes.
• Always verify fees, reward rates, and terms and conditions on the respective bank's official website before applying for any credit card.
• CardGenie does not guarantee the accuracy, completeness, or timeliness of any information on this site.

Some "Apply Now" links on CardGenie are affiliate links. When you click these links and successfully apply for a credit card, CardGenie may earn a commission from the bank or financial institution.

These affiliate relationships do not influence our GenieScore ratings, card rankings, or editorial content. Cards are evaluated solely based on their features and our 10-factor GenieScore algorithm.

Affiliate links are disclosed at the point of use wherever applicable.

GenieAI is an AI-powered chatbot that provides information about Indian credit cards. Important limitations:

• GenieAI responses are informational only and do not constitute financial advice.
• GenieAI may make errors or provide outdated information. Always verify with the bank.
• GenieAI is intended for users aged 18 and above. By using GenieAI, you confirm that you are at least 18 years old.
• CardGenie is not liable for any decisions made based on GenieAI responses.

All bank names, credit card names, logos, and trademarks displayed on CardGenie are the property of their respective owners. CardGenie is not affiliated with, endorsed by, or sponsored by any bank or card issuer listed on this platform.

CardGenie's original content, including GenieScore ratings, editorial copy, and platform design, is the intellectual property of CardGenie and may not be reproduced without permission.

CardGenie is provided on an "as is" and "as available" basis. We do not guarantee that the service will be uninterrupted, error-free, or completely accurate.

To the fullest extent permitted by applicable law, CardGenie expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by applicable law, CardGenie shall not be liable for:

• Any financial loss arising from decisions made based on information on this site.
• Inaccuracies in card data, fees, or reward rates.
• Any direct, indirect, incidental, or consequential damages arising from your use of CardGenie.
• Service interruptions, data loss, or technical failures.

These Terms of Service are governed by the laws of India. Any disputes arising from or related to your use of CardGenie shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India.

For legal queries, contact us at:
Email: legal@cardgenie.in

You must be at least 18 years old to use CardGenie. By using the platform, you confirm that you meet this requirement. CardGenie is not intended for minors and we do not knowingly provide services to persons under the age of 18.

We reserve the right to modify, suspend, or discontinue any part of the CardGenie service at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the service.

You are solely responsible for verifying all card information, fees, terms, and eligibility criteria directly with the relevant bank before making any financial decisions. You agree not to rely solely on CardGenie for credit-related decisions. CardGenie provides comparison data as a convenience tool only.