Terms & Conditions

Welcome to SahiCard (“we,” “us,” “our,” or “the Website”), accessible at https://sahicard.com. These Terms & Conditions (“Terms,” “Terms of Use,” or “Agreement”) govern your access to and use of SahiCard, including all content, features, and services offered on or through the Website.

By accessing or using SahiCard, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Website.

Operator Information

• Operated by: Vikrant Kumar (Sole Proprietor)
• Business Name: SahiCard Digital Solutions
• Address: Block-A, Sector 59, Near Metro Station, Noida, Uttar Pradesh 201301.
• India Email: contact@sahicard.com
• Grievance Officer: Vikrant Kumar (vikrantkumaaroffical@gmail.com)

1. Acceptance of Terms

• By accessing, browsing, or using SahiCard, you acknowledge that:
• You have read, understood, and agree to be bound by these Terms
• You agree to comply with all applicable laws and regulations
• You are at least 18 years of age (or the age of majority in your jurisdiction)
• You have the legal capacity to enter into this Agreement

Changes to Terms

We reserve the right to modify, amend, or update these Terms at any time without prior notice. Changes will be effective immediately upon posting on this page with an updated “Last Updated” date.

Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.

2. Use of the Website

Purpose of the Website

SahiCard is an informational and comparison platform that provides:

• Credit card comparisons and reviews
• Educational content about credit cards, CIBIL scores, and personal finance
• Tools such as EMI calculators
• Links to affiliate partners where users can apply for credit cards

SahiCard does NOT:

• Issue, approve, or provide credit cards
• Act as a bank, NBFC, or financial institution
• Provide personalized financial advice
• Guarantee credit card approvals

Permitted Use

You may use SahiCard for lawful purposes only, including:

• Researching and comparing credit cards
• Reading educational articles and guides
• Using tools like EMI calculators
• Subscribing to our newsletter (optional)
• Clicking affiliate links to apply for credit cards

Prohibited Use

You agree NOT to:

• Use the Website for any illegal, fraudulent, or unauthorized purpose
• Copy, reproduce, distribute, or republish content without written permission
• Use automated tools (bots, scrapers, crawlers) to extract data from the Website
• Attempt to hack, disrupt, or damage the Website or its infrastructure
• Impersonate SahiCard, its employees, or affiliates
• Submit false, misleading, or fraudulent information
• Interfere with other users’ access to the Website
• Use the Website to spam, phish, or distribute malware
• Reverse engineer or decompile any part of the Website

Violation of these Terms may result in immediate termination of your access and legal action.

3. Intellectual Property Rights

Ownership

All content on SahiCard, including but not limited to:

• Text, articles, guides, and blog posts
• Graphics, logos, icons, and images
• Website design, layout, and user interface
• Software, code, and algorithms
• Trademarks, service marks, and trade names

…is the exclusive property of SahiCard or its licensors and is protected by Indian copyright law, trademark law, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes only.

You may NOT:

• Copy or download content except for personal reference (single copy for personal use)
• Modify, adapt, translate, or create derivative works
• Sell, rent, lease, or sublicense any content
• Republish content on other websites, blogs, or platforms
• Remove copyright notices, watermarks, or attributions

Third-Party Trademarks

Bank names, logos, and credit card images displayed on SahiCard are trademarks of their respective owners (HDFC Bank, Axis Bank, SBI, ICICI, etc.). We do not claim ownership of these trademarks. Their display is solely for informational and comparison purposes.

4. Affiliate Relationships & Compensation

Disclosure of Affiliate Relationships

SahiCard participates in affiliate marketing programs. When you click an “Apply Now” button and successfully apply for a credit card, we may earn a commission from our affiliate partners, including:

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

This compensation does NOT:

• Cost you anything extra (your card fees and benefits remain the same)
• Influence our editorial content, rankings, or recommendations
• Guarantee approval (banks make independent decisions)

How Affiliate Links Work

When you click “Apply Now”:

1. You are redirected to our affiliate partner’s secure website (e.g., BankSathi)
2. A tracking cookie may be placed in your browser to identify the referral source
3. You complete the credit card application directly with the partner/bank
4. If your application is approved and the card is issued, we may receive a commission

We do NOT collect or store your credit card application details (PAN, income, bank account, etc.). This information is collected directly by the bank or affiliate partner.

Editorial Independence

Despite earning affiliate commissions, we maintain editorial independence. Our comparisons and recommendations are based on:

• Card features, fees, and benefits
• User profile suitability (salaried, student, business, etc.)
• Publicly available data and bank disclosures
• Customer reviews and complaint data

We do NOT rank cards solely based on commission rates.

5. User Accounts & Registration

No Account Required

SahiCard does NOT require you to create an account to access the Website or compare credit cards.

Newsletter Subscription (Optional)

If you choose to subscribe to our newsletter, you agree to:

• Provide accurate and current email address.
• Receive periodic emails with credit card tips, offers, and updates.
• Unsubscribe at any time by clicking the “Unsubscribe” link in any email.

Your email address will be used in accordance with our Privacy Policy.

6. Accuracy of Information

Information Provided “As Is”

While we strive to provide accurate, up-to-date, and reliable information, we do NOT guarantee:

• The accuracy, completeness, or reliability of any content.
• That credit card offers, fees, or benefits listed are current.
• That information is error-free or continuously updated.

Credit Card Terms Change Frequently

Banks frequently change:

• Fees and charges (annual fees, joining fees, late payment fees)
• Reward structures and cashback rates
• Interest rates (APR)
• Eligibility criteria
• Promotional offers

We update our database regularly, but delays may occur.

Your Responsibility to Verify

Before applying for any credit card, you MUST:

• Verify current fees and benefits on the bank’s official website
• Read the Key Fact Statement (KFS) provided by the bank
• Review the bank’s Terms & Conditions (T&C)
• Understand interest rates, late fees, and other charges

SahiCard is NOT responsible for outdated or incorrect information. Always verify with official bank sources.

7. Third-Party Links & Services

External Links

SahiCard contains links to third-party websites, including:

• Official bank websites (HDFC, Axis, SBI, ICICI, etc.)
• Affiliate partner application forms (BankSathi)
• Government/regulatory sites (RBI, 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.
• Products, services, or actions taken on third-party sites.
• Technical issues, security breaches, or fraud on partner sites.

Links to third-party sites do NOT constitute endorsement. You access third-party sites at your own risk.

Review Third-Party Terms

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

• Privacy Policy
• Terms & Conditions
• Security measures and certifications

8. Disclaimers

Not Financial Advice

All content on SahiCard is for informational and educational purposes only. It does NOT constitute professional financial, legal, tax, or investment advice. Consult a licensed financial advisor before making financial decisions.

No Guarantee of Approval

SahiCard does NOT guarantee that you will be approved for any credit card. Approval depends on:

• CIBIL/credit score
• Income and employment status
• Existing debt obligations
• Bank’s internal risk assessment

Banks make final approval decisions not SahiCard.

No Warranty

THE WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of content
• Uninterrupted or error-free operation

9. Limitation of Liability

No Liability for Damages

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

• Direct, indirect, incidental, consequential, or punitive damages
• Financial losses resulting from credit card applications or approvals
• Credit score impacts due to hard inquiries or rejections
• Errors, omissions, or outdated information on the Website
• Actions taken by banks, NBFCs, or affiliate partners
• Unauthorized access to or use of your personal information
• Technical issues, website downtime, or data loss
• Losses arising from third-party actions or websites

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.

Maximum Liability Cap

In no event shall our total liability to you exceed ₹1,000 (One Thousand Indian Rupees).

10. Indemnification

You agree to indemnify, defend, and hold harmless SahiCard, its owner, employees, affiliates, and partners from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use or misuse of the Website
• Your violation of these Terms
• Your violation of any third-party rights (including intellectual property rights)
• Your violation of any applicable laws or regulations
• Any false or misleading information you provide
• Your credit card applications or financial decisions

11. User Conduct & Responsibilities

Your Responsibilities

By using SahiCard, you agree to:

• Provide accurate information (if subscribing to newsletter)
• Use the Website in compliance with Indian laws
• Respect intellectual property rights
• Not interfere with Website operations or security
• Read and understand credit card terms before applying
• Verify all information with official bank sources

Financial Responsibility

You acknowledge that:

• You are solely responsible for your financial decisions
• Credit cards involve financial risks (interest, debt, fees)
• You must repay credit card bills on time to avoid penalties
• Late payments can negatively impact your CIBIL score
• SahiCard is not responsible for your credit decisions or outcomes

12. Privacy & Data Protection

Your use of SahiCard is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

Key points:

• We collect minimal personal data (email for newsletter only)
• We do NOT collect financial data (credit card numbers, PAN, income)
• We use cookies for analytics and advertising (Google Analytics, AdSense)
• We share referral data with affiliate partners when you click “Apply Now”
• You have rights under Indian law (DPDPA 2023) to access, correct, and delete your data

For full details, please read our Privacy Policy.

13. Cookies Policy

We use cookies and similar tracking technologies for:

• Website functionality (essential cookies)
• Analytics (Google Analytics)
• Advertising (Google AdSense)
• Affiliate tracking (BankSathi referrals)

You can manage cookies through your browser settings. However, disabling cookies may affect Website functionality.

For more information, see our Cookie Policy.

14. Termination

We reserve the right to terminate or suspend your access to the Website, without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Abuse of Website resources
• Any conduct that harms SahiCard or other users

Termination by You

You may stop using the Website at any time. To unsubscribe from our newsletter, click the “Unsubscribe” link in any email.

Effect of Termination

Upon termination:

• Your right to access the Website ceases immediately
• Provisions related to intellectual property, disclaimers, and limitation of liability survive termination

15. Governing Law & Jurisdiction

Indian Law Applies

These Terms shall be governed by and construed in accordance with the laws of India, including:

• Indian Contract Act, 1872
• Information Technology Act, 2000
• Digital Personal Data Protection Act (DPDPA), 2023
• Consumer Protection Act, 2019

Jurisdiction

Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts in Noida, Uttar Pradesh, India.

Dispute Resolution

Before filing any legal action, you agree to first attempt to resolve disputes through:

• 1. Contact our Grievance Officer (vikrantkumaaroffical@gmail.com)
• 2. Good faith negotiation for 30 days
• 3. Mediation or arbitration (if mutually agreed)

16. Compliance with Indian Laws

Information Technology Act, 2000

As required under the IT Act 2000, we have:

• Published this Terms & Conditions document
• Appointed a Grievance Officer to address user complaints
• Implemented reasonable security practices
• Disclosed our Privacy Policy

Consumer Protection Act, 2019

We comply with consumer protection laws by:

• Providing transparent affiliate disclosures
• Not engaging in misleading advertising
• Respecting consumer rights

RBI Guidelines

While we are NOT regulated by RBI (as we don’t provide financial services), we follow RBI’s consumer guidelines for credit card disclosures and transparency.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, Disclaimer, and Cookie Policy, constitute the entire agreement between you and SahiCard regarding your use of the Website.

These Terms supersede any prior agreements, representations, or understandings (whether written or oral) between you and SahiCard.

19. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

A waiver of any breach of these Terms shall not constitute a waiver of any subsequent breach.

20. Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations under these Terms without our prior written consent.

We may freely assign, transfer, or delegate these Terms and our rights and obligations without restriction (for example, in the event of a merger, acquisition, or sale of assets).

21. Force Majeure

SahiCard shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God (earthquakes, floods, fires)
• War, terrorism, civil unrest
• Government actions or regulations
• Internet or telecommunications failures
• Power outages or server failures
• Pandemics or public health emergencies
• Labor disputes or strikes

22. Contact Information

If you have any questions, concerns, or complaints regarding these Terms & Conditions, please contact us:

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

Response Time: We typically respond within 48 hours (Monday–Friday, 10 AM – 6 PM IST).

For grievances under the Information Technology Act, 2000, contact our Grievance Officer. We will acknowledge your complaint within 48 hours and resolve it within 30 days as per Indian law.

23. Language

These Terms are written in English. If these Terms are translated into any other language, the English version shall prevail in case of any conflict or inconsistency.

24. Headings

The headings and subheadings in these Terms are for convenience only and do not affect the interpretation of these Terms.

25. Survival

The following provisions shall survive termination of these Terms:

• Intellectual Property Rights (Section 4)
• Disclaimers (Section 9)
• Limitation of Liability (Section 10)
• Indemnification (Section 11)
• Privacy & Data Protection (Section 13)
• Governing Law & Jurisdiction (Section 16)

26. Acknowledgment

BY USING SAHICARD, YOU ACKNOWLEDGE THAT:

• You have read and understood these Terms & Conditions
• You agree to be bound by these Terms
• You are at least 18 years of age
• You understand that SahiCard is NOT a financial institution
• You understand that credit card approval is NOT guaranteed
• You accept all risks associated with credit card applications
• You will verify all information with official bank sources before applying

27. Electronic Communications

By using SahiCard or subscribing to our newsletter, you consent to receive electronic communications from us, including:

• Service announcements and updates
• Newsletter emails (if subscribed)
• Responses to your inquiries
• Policy updates and changes

You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.

28. Feedback & Suggestions

If you provide us with feedback, suggestions, or ideas about the Website (“Feedback”), you agree that:

• We may use your Feedback without restriction or compensation
• You grant us a perpetual, irrevocable, royalty-free license to use, modify, and incorporate your Feedback
• Your Feedback does not contain confidential or proprietary information

We are under no obligation to implement or use any Feedback you provide.

29. Age Restriction

SahiCard is intended for users who are at least 18 years of age (or the age of majority in your jurisdiction).

By using this Website, you represent and warrant that you are at least 18 years old.

If you are under 18, you may only use the Website under the supervision of a parent or legal guardian who agrees to be bound by these Terms.

30. Accessibility

We strive to make SahiCard accessible to all users, including those with disabilities.

If you experience any difficulty accessing any part of the Website, please contact us at contact@sahicard.com and we will work to provide the information in an alternative format.

31. Updates to the Website

We reserve the right to:

• Modify, update, or discontinue any feature of the Website at any time
• Change the design, layout, or functionality without notice
• Remove or add content, tools, or services
• Temporarily suspend the Website for maintenance or updates

We are not liable for any modification, suspension, or discontinuation of the Website.

32. Third-Party Services

Google Analytics

We use Google Analytics to analyze Website traffic and user behavior. Google Analytics uses cookies to collect information. For more information, see Google’s Privacy Policy at https://policies.google.com/privacy.

Google AdSense

We use Google AdSense to display advertisements. Google AdSense uses cookies to serve personalized ads. You can opt out at https://adssettings.google.com/.

BankSathi (Affiliate Partner)

When you click “Apply Now,” you are redirected to BankSathi’s website. BankSathi is an independent company and a registered DSA (Direct Selling Agent). We are not responsible for their services, privacy practices, or actions.

33. No Partnership or Agency

These Terms do not create any partnership, joint venture, employment, or agency relationship between you and SahiCard.

You have no authority to bind SahiCard or make commitments on our behalf.

34. User-Generated Content (If Applicable)

If you submit comments, reviews, or other content to SahiCard (currently not available, but may be added in future):

• You retain ownership of your content
• You grant us a non-exclusive, royalty-free license to use, display, and distribute your content
• Your content must not violate any laws or third-party rights
• We reserve the right to remove any content at our sole discretion
• You are solely responsible for your content

35. Refund Policy (Not Applicable)

SahiCard is a free information platform. We do NOT:

• Sell products or services directly
• Process payments
• Issue refunds

If you have payment-related issues with a credit card you applied for, contact the issuing bank directly.

36. Advertising & Sponsored Content

SahiCard may display advertisements and sponsored content from third parties, including:

• Google AdSense banner ads
• Affiliate partner promotions
• Featured credit card listings (if applicable)

Sponsored content will be clearly labeled as “Ad,” “Sponsored,” or “Promoted.” We are not responsible for the accuracy or legality of third-party advertisements.

37. Changes to the Website

We may update, modify, or discontinue any aspect of the Website at any time, including:

• Credit card listings and recommendations
• Content, articles, and guides
• Tools and calculators
• Design and user interface

We are not obligated to maintain or support any feature of the Website indefinitely.

38. Legal Compliance

You agree to use the Website in compliance with:

• Indian Contract Act, 1872
• Information Technology Act, 2000
• Digital Personal Data Protection Act (DPDPA), 2023
• Consumer Protection Act, 2019
• Copyright Act, 1957
• Trademark Act, 1999
• All other applicable Indian laws and regulations

39. Final Provisions

Questions About These Terms

If you have questions or need clarification about any provision in these Terms, contact us at contact@sahicard.com.

Effective Date

These Terms are effective as of February 10, 2026, and apply to all users of the Website.

Last Updated

Last Updated: February 10, 2026

We recommend bookmarking this page and reviewing it periodically for updates.

40. Acknowledgment & Consent

BY CLICKING “I AGREE,” ACCESSING THE WEBSITE, OR USING ANY SERVICE PROVIDED BY SAHICARD, YOU ACKNOWLEDGE THAT:

• You have read these Terms & Conditions in full
• You understand and agree to be legally bound by these Terms
• You consent to our Privacy Policy and Cookie Policy
• You waive any right to claim ignorance of these Terms

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.