Last updated: 5 November 2026.
This is information, not advice
Nothing on CardShala is financial, tax or legal advice. The posts explain how cards and payment rules work and do the maths on example spending. They do not know your income, your credit history or your spending. Before you apply for a card or change how you pay or get paid, read the issuer’s Most Important Terms and Conditions, and for tax questions ask a CA.
No approval promises
CardShala never tells you your chances of approval, and nothing here promises that you will get a card, a limit or an offer. Only the bank decides that. If a post mentions an income or age requirement, it is repeating what the issuer publishes, not predicting what the bank will do with your application.
Numbers are checked and dated, and they go out of date
Every fee, reward rate, milestone and limit on this site is checked against the issuer’s own page, or for payment rules against the regulator or NPCI where that document can be reached. Every post shows a Last verified date at the top. That date is when the numbers were true.
Banks change card terms often, sometimes several times a year, and without much notice. So check the issuer’s page before you act on any number here. Where a post values reward points in rupees, it says what value it used and where. That value is an assumption, not a promise of what you will get.
Spot a number that has changed? Tell me and I will fix it and update the date.
Paying interest
No reward on this site is worth carrying a balance for. Card interest wipes out cashback many times over. Every example here assumes you pay the full bill by the due date.
Money and referral links
Some CardShala posts carry referral links. If you apply for a card through one, CardShala earns a commission from the bank or the affiliate network. You pay nothing extra, and your card, fees and rewards are exactly the same as if you had applied directly. That commission is what keeps this site running without paywalls or sponsored posts.
A referral link never decides what gets recommended. Cards with no referral programme are covered the same way, and a card that pays a commission still gets its catch written down plainly. No bank has paid for a mention or reviewed a post before it went live. Referral links come either through the Cuelinks affiliate network or through a card’s own refer-a-friend programme, such as the one in the Tata Neu app.
Every post with a referral link says so at the top, above the content, in these words:
Some links on this page are referral links. If you apply through one, CardShala earns a small commission at no extra cost to you, and that helps keep this site running. It does not change which cards appear here or what we say about them. Every number is checked against the issuer’s own page.
Links to other sites
Posts link to bank pages, NPCI, RBI and news reports so you can check the source yourself. CardShala does not control those sites and is not responsible for what they say or for changes they make after the date shown.
Names and logos
Card and bank names belong to their owners. Naming a card here does not mean the bank has approved or checked what is written about it. CardShala is independent and is not a bank, a card issuer or an agent of one.