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CardSetu

Privacy Policy

What CardSetu collects when you check indicative eligibility, why we collect it, who it is shared with, how long it is kept and how to ask for deletion.

Last updated: 10 October 2026

1.Who we are

CardSetu (“we”, “us”) operates CardSetu.com, a credit-card comparison and referral/distribution platform for customers in India. CardSetu does not issue credit cards and does not take credit decisions. This policy explains how we handle the information you give us on this website.

2.What we collect

We only collect information that you enter yourself, in the indicative eligibility check for a specific card:

  • Mobile number
  • Full name
  • Employment type (salaried, self-employed or business)
  • Approximate monthly income
  • Whether you already hold a credit card and, if so, with which banks
  • PAN (Permanent Account Number)
  • City and PIN code

We also record which card you were checking, the time of each step, whether you completed the check, and whether you clicked Apply Now. We do not collect date of birth, Aadhaar, email, bank account details, passwords, OTPs or credit-bureau data on this website.

We use browser session storage to remember your progress and your indicative results during the current browser session. We do not use advertising cookies or third-party tracking pixels in the current version of the site.

3.Why we collect it

  • To check your indicative eligibility for the card you selected and to suggest other cards that may suit your profile. This indicative eligibility check does not involve a credit-bureau enquiry.
  • To save your progress, so that an unfinished check can be resumed and so that we can contact you about the application you started.
  • To pass your application to the issuing bank or its authorised application partner when you choose to continue with Apply Now, and to track that you did so (using a CardSetu Lead ID, not your personal details).
  • To contact you by call, SMS or WhatsApp about credit-card products and the application you started, where you have agreed to this on the form.
  • To administer CardSetu Rewards, where an offer applies to your approved card.
  • To keep the service secure, prevent misuse and meet our legal obligations.

4.How your details are saved

Your details are saved step by step as you complete the eligibility check, starting with your mobile number. This means a partially completed check is still stored, so that we can help you resume it or follow up. If you do not want this, do not start the check, or ask us to delete your details using the contact in section 9.

Details are stored in CardSetu’s own records, which are hosted on Google Workspace infrastructure. Access is restricted to CardSetu staff who need it to run the service.

5.Who we share it with

  • The issuing bank or its authorised application partner, when you continue your application with Apply Now. From that point the bank’s own privacy policy applies to what you enter on its pages.
  • Service providers who host our systems or deliver messages on our behalf, under confidentiality obligations.
  • Authorities, where the law requires it.

We do not sell your personal information. We do not share it with other advertisers or data brokers.

6.How CardSetu is paid

CardSetu may receive referral or distribution compensation from participating partners when customers apply for or obtain eligible products. This does not change the fees or terms of the card you receive, which are set by the issuer.

7.How long we keep it

We keep eligibility and application records for as long as needed to follow up on your application, administer rewards and meet record-keeping requirements, and in any case no longer than 24 months after your last activity with us, unless the law requires a longer period. Browser session storage is cleared when you close your browser session.

8.Security

Data is sent from your browser to our records over encrypted (HTTPS) connections. Your details are never placed in page addresses or links, and are not shown to other users. No method of storage is completely secure, so please keep your own devices and accounts protected.

9.Your choices and rights

You can ask us to tell you what we hold about you, to correct it, or to delete it. You can also withdraw your consent to be contacted at any time. Write to support@cardsetu.com with the mobile number you used on CardSetu and, if you have it, your CardSetu Lead ID. We will respond within a reasonable time and verify that the request comes from you before acting on it.

Deletion requests cannot recall information already passed to a bank at your request; please contact the bank for that.

10.Children

CardSetu is for adults aged 18 and above. We do not knowingly collect information from anyone under 18.

11.Changes to this policy

We may update this policy from time to time. The date at the top shows the latest version. Material changes will be announced on this page.