Disclaimer

1. Introduction

This Disclaimer (“Disclaimer”) applies to the website SahiCard.com (“we,” “us,” “our,” or “SahiCard”), operated from Block-A, Sector 59, Near Metro Station, Noida, Uttar Pradesh 201301, India.

By accessing and using SahiCard, you accept and agree to be bound by this Disclaimer. If you do not agree with any part of this Disclaimer, please do not use our website.

Purpose: This Disclaimer clarifies the scope and limitations of the information provided on SahiCard and protects both you (the user) and us from misunderstandings or misuse of content.

2. General Information Disclaimer For Informational and Educational Purposes Only

All content on SahiCard—including articles, credit card comparisons, reviews, calculators, guides, and recommendations is provided solely for informational and educational purposes.

SahiCard is NOT:

• A financial advisor or certified financial planner
• A credit counseling service
• A bank, NBFC, or financial institution
• A credit card issuer or approving authority

Not Professional Financial Advice

The information on this website does not constitute professional financial, legal, tax, or investment advice. We do not provide personalized recommendations based on your individual financial situation.

You should:

• Consult a licensed financial advisor for personalized guidance
• Conduct your own research before making financial decisions
• Read official bank documentation (Key Fact Statement, Terms & Conditions) before applying for any credit card

Your use of any information on this website is entirely at your own risk.

3. No Guarantee of Accuracy Information Provided “As Is”

While we make every effort to provide accurate, up-to-date, and reliable information, we do not guarantee:

• The accuracy, completeness, or reliability of any content
• That information is current or free from errors
• That credit card offers, fees, or benefits listed are up-to-date

Credit Card Terms Change Frequently

Banks and credit card issuers frequently change:

• Annual fees and joining fees
• Reward structures and cashback rates
• Interest rates and late payment charges
• Eligibility criteria
• Promotional offers and welcome bonuses

We update our database regularly, but there may be delays between a bank’s announcement and our update.

Always Verify with Official Sources

Before applying for any credit card, always verify the following directly with the bank:

• Current fees and charges (including GST)
• Reward terms and conditions
• Eligibility requirements
• Key Fact Statement (KFS)

Official bank websites and customer service are the authoritative sources—not third-party comparison sites like ours.

4. Affiliate Disclosure

Important: We Earn Commissions

SahiCard participates in affiliate marketing programs. This means:

• When you click an “Apply Now” button on our website and successfully apply for a credit card, we may earn a commission from our affiliate partners (such as BankSathi).
• This does NOT cost you anything extra. Your card fees, benefits, approval chances, and terms remain exactly the same whether you apply through SahiCard or directly through the bank.
• We are paid by affiliate partners, not by you.

Our Affiliate Relationships

We have affiliate partnerships with:

• BankSathi (Registered DSA – Direct Selling Agent)
• Other RBI-registered financial service aggregators

When you click “Apply Now,” you are redirected to our partner’s secure application form. They collect your personal and financial information directly—we do not see, access, or store your credit card application details (PAN, income, bank account, etc.).

Our Commitment to Transparency

Despite earning affiliate commissions, we are committed to:

• NOT ranking cards solely based on commission rates
• NOT hiding negative aspects (high fees, poor customer service, limited rewards)
• NOT recommending unsuitable cards just to earn more commission

Our comparisons are based on card features, fees, suitability for different user profiles, and publicly available data.

Transparency Note: You will see a disclosure (“Some links on this page are affiliate links”) on every page containing affiliate links.

Compliance

This affiliate disclosure complies with:

• FTC Endorsement Guides (U.S. Federal Trade Commission)
• Indian Consumer Protection Act, 2019
• ASCI (Advertising Standards Council of India) Guidelines​

5. We Are NOT a Financial Institution

SahiCard is an information and comparison platform NOT a financial services provider.

We do NOT:

• Issue or provide credit cards
• Approve or reject credit card applications
• Conduct CIBIL score checks
• Process credit card payments
• Provide credit limits or credit facilities
• Offer loans or financial products directly

All credit card applications are processed by:

• Banks (HDFC, Axis, SBI, ICICI, IDFC, etc.)
• NBFCs (Non-Banking Financial Companies)
• Licensed financial service aggregators (like BankSathi)

We are NOT regulated by the Reserve Bank of India (RBI) as we do not provide financial services directly. We are a content publisher and affiliate marketer.

6. No Guarantee of Credit Card Approval Approval is at the Bank’s Sole Discretion

SahiCard does NOT guarantee that you will be approved for any credit card featured on our website.

Credit card approval depends on multiple factors controlled by the issuing bank, including:

• CIBIL/Credit Score: Typically, a score of 750+ is preferred
• Income: Monthly/annual salary or business income requirements
• Employment Type: Salaried, self-employed, or business owner
• Existing Debt: Current loans, EMIs, credit card balances
• Age: Usually 21-60 years (varies by card)
• Residential Stability: Address verification, ownership vs. rental
• Previous Banking Relationship: Existing customer status may help

Even if you meet the stated eligibility criteria, banks may reject applications based on:

• Internal risk assessment policies
• Too many recent credit inquiries (hard inquiries on CIBIL)
• Incomplete or incorrect documentation
• Negative banking history (bounced cheques, loan defaults)

We cannot influence, expedite, or guarantee approval. Banks make independent decisions based on their proprietary algorithms and policies.

7. Third-Party Links & Content

External Links

SahiCard contains links to external websites, including:

• Official bank websites (HDFC Bank, Axis Bank, SBI, etc.)
• Affiliate partner application forms (BankSathi)
• Government/regulatory sites (Reserve Bank of India, NPCI)
• News articles and educational resources

We are NOT responsible for:

• The content, accuracy, or availability of third-party websites
• Privacy practices or terms of service of external sites
• Any products, services, or actions taken on third-party sites
• Technical issues, downtime, or security breaches on partner sites

Before providing personal or financial information to any third-party site, review their:

• Privacy Policy
• Terms & Conditions
• Security measures

We do not control or endorse third-party websites simply by linking to them.

8. User Responsibility

You Are Responsible for Your Financial Decisions

By using SahiCard, you acknowledge and agree that:

You are solely responsible for any financial decisions you make based on information from this website.

You must conduct your own due diligence before applying for any credit card.

You must read and understand:

• The bank’s Key Fact Statement (KFS) (mandatory document listing all fees and charges)
• Terms & Conditions (T&C) of the credit card
• Most Important Terms & Conditions (MITC) as required by RBI
• Annual Percentage Rate (APR) and interest charges

You understand credit risks, including:

• Interest charges if you don’t pay your full bill (36-48% APR is common in India)
• Late payment fees and penalties
• Impact on CIBIL score if you default
• Risk of debt accumulation if cards are misused

SahiCard provides information YOU make the decision.

9. Limitation of Liability No Liability for Losses or Damages

To the fullest extent permitted by Indian law, SahiCard, its owners, employees, affiliates, and partners shall NOT be liable for any:

• Direct, indirect, incidental, or consequential damages arising from your use of this website
• Financial losses resulting from credit card applications, approvals, or rejections
• Credit score impacts due to multiple applications or hard inquiries
• Errors, omissions, or outdated information on our website
• Actions taken by banks, NBFCs, or affiliate partners
• Unauthorized use of your personal information by third parties
• Technical issues, including website downtime, broken links, or data breaches

Use at Your Own Risk

You expressly agree that your use of SahiCard is at your sole risk. We provide information “as is” without any warranties express or implied of any kind.

Third-Party Actions

We are NOT responsible for:

• Card fraud or misuse after you receive a card
• Disputes with banks over fees, charges, or benefits
• Poor customer service provided by banks or partners
• Delays in card delivery or activation
• Rejection of applications by banks

For issues related to credit cards, contact the issuing bank directly.

10. Changes to Credit Card Offers

Offers May Change Without Notice

Banks reserve the right to:

• Modify fees, charges, and interest rates
• Change reward structures and cashback rates
• Revise eligibility criteria
• Discontinue promotional offers or welcome bonuses
• Terminate credit card products

We make reasonable efforts to update our database, but:

• Banks may change terms without informing us immediately
• Promotional offers listed may have expired
• Limited-time deals may no longer be available

Always check the bank’s official website for the most current offer before applying.

“Lifetime Free” Cards May Change

Some cards marketed as “Lifetime Free” (LTF) may:

• Become paid cards if you don’t meet annual spending thresholds
• Have hidden charges (fuel surcharge, international transaction fees)
• Require you to link specific accounts or maintain balances

Read the fine print carefully.

11. Testimonials & User Reviews (If Applicable)

If SahiCard features user testimonials, reviews, or ratings:

• These are individual opinions and do not reflect guaranteed outcomes.
• Results may vary based on your financial profile, spending habits, and bank policies.
• We do not verify the accuracy of user-submitted reviews.
• Positive reviews are not endorsements of specific products.

User experiences with credit cards depend on multiple personal factors.

12. Compliance & Regulations

SahiCard operates in accordance with:

• Information Technology Act, 2000 (India)
• Digital Personal Data Protection Act (DPDPA), 2023 (India)
• Consumer Protection Act, 2019 (India)
• Reserve Bank of India (RBI) Guidelines for credit card disclosures
• FTC Endorsement Guides (Affiliate disclosure standards)
• ASCI (Advertising Standards Council of India) Code​
• Google AdSense Program Policies

However, we are NOT:

• Regulated by RBI (we don’t provide financial services)
• A licensed credit counseling agency
• Subject to banking regulations (we are a content platform)

13. Changes to This Disclaimer

We reserve the right to update this Disclaimer at any time without prior notice. Changes will be posted on this page with an updated “Last Updated” date.

Your continued use of SahiCard after changes are posted constitutes acceptance of the revised Disclaimer.

We recommend reviewing this page periodically to stay informed of any updates.

14. Contact Us

If you have questions, concerns, or wish to report errors or outdated information on SahiCard, please contact us:

Email: contact@sahicard.com
Phone: +91-9528658772
Address: Block-A, Sector 59, Near Metro Station, Noida, Uttar Pradesh 201301, India

We will respond to inquiries within 48 hours (Monday-Friday, 10 AM – 6 PM IST).

15. Severability

If any provision of this Disclaimer is found to be invalid or unenforceable under Indian law, the remaining provisions will continue in full force and effect.