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trending_down Devaluation Alert HDFC Bank credit cards lounge access shifts to spend-based rules from Q2 2026 • trending_up Revaluation SBI Cashback Credit Card confirmed as the gold standard for flat 5% online savings • fiber_new New Launch Federal Bank Scapia Credit Card launched with 0% Forex Markup & unlimited domestic lounge access • info Regulatory Update RBI updates credit card reporting rules for billing transparency • trending_down Devaluation Alert HDFC Bank credit cards lounge access shifts to spend-based rules from Q2 2026 • trending_up Revaluation SBI Cashback Credit Card confirmed as the gold standard for flat 5% online savings • fiber_new New Launch Federal Bank Scapia Credit Card launched with 0% Forex Markup & unlimited domestic lounge access • info Regulatory Update RBI updates credit card reporting rules for billing transparency •
CredSutra
CredSutra

Terms of Service

Last Updated: July 2026

Welcome to CredSutra. By accessing or using our website credsutra.com, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our platform.

1. Platform Purpose & Informational Disclaimer

CredSutra is an independent financial discovery, evaluation, and credit card analytics platform. All reviews, calculators, devaluation trackers, and comparison matrices are provided strictly for educational and informational purposes.

CredSutra is not a bank, Non-Banking Financial Company (NBFC), or registered financial advisory firm. Content published on this site does not constitute formal financial, tax, or legal advice.

2. Affiliate Monetization & Transparency Disclosure

CredSutra maintains absolute editorial independence. However, we may earn affiliate commissions when users click partner links and apply for financial products through our site. This financial arrangement does not alter our objective rating criteria or reward yield calculations.

3. Product Specifications & Bank Terms Verification

While we strive to update fee structures, reward point values, lounge access rules, and devaluation schedules every 48 hours, financial institutions reserve the right to alter card terms without prior notice.

Users are strongly advised to verify current annual fees, reward rates, interest charges (APR), and terms directly on official bank application portals before submitting any application.

4. Regulatory & RBI Guidelines Alignment

CredSutra operates in compliance with Reserve Bank of India (RBI) master directions on credit card issuing and digital lending standards. We only index products offered by licensed and regulated financial entities in India.

5. Intellectual Property & Usage Limits

All proprietary software code, comparison algorithms, WebMCP tool interfaces, visual designs, and written editorial analyses on CredSutra are owned by CredSutra. Unauthorized scraping, automated data mining, or commercial reproduction is prohibited.

6. Limitation of Liability

CredSutra and its operators shall not be liable for any direct, indirect, incidental, or consequential damages resulting from card application rejections, bank devaluations, billing disputes, or reliance on information presented on this site.

7. Governing Law & Contact

These Terms shall be governed by and construed in accordance with the laws of India. For questions regarding these terms, please contact terms@credsutra.com.