1.What CardSetu is
CardSetu.com is a credit-card comparison and referral/distribution platform. CardSetu organises product information from participating issuers, lets you compare cards, offers an indicative eligibility check and helps you continue to the relevant issuer or authorised application journey.
CardSetu is not a bank, NBFC or lender, does not issue credit cards and does not take credit decisions. Final verification, approval, credit limit and issuance are decided solely by the issuing institution.
2.Using the site
By using CardSetu you accept these terms and our Privacy Policy. You must be 18 or older and a resident of India to use the eligibility check or to apply for a card through CardSetu.
You agree to give accurate information in the eligibility check, to use the site only for yourself, and not to interfere with the site, scrape it or misuse it.
3.Indicative information only
Card features, fees, benefits and offers shown on CardSetu are indicative and may change. Always confirm the current terms with the issuer before applying.
The eligibility check gives an indicative view based only on what you enter. It is not an approval, a pre-approval or an offer of credit. This indicative eligibility check does not involve a credit-bureau enquiry; the issuer may run its own checks when you complete its application.
Recommendations are generated by simple rules from your stated profile and the cards listed on CardSetu. They are not financial advice.
4.Applications and third-party journeys
When you choose Apply Now, you leave CardSetu and continue with the issuing bank or its authorised application partner. Their terms and privacy policy apply to that journey. CardSetu is not responsible for the content, availability or decisions of those third-party pages.
CardSetu records that you continued to an application (using a CardSetu Lead ID) so that we can follow up and administer rewards.
5.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 a card’s fees or terms. Relationship labels and partner logos appear on CardSetu only where the relationship has been confirmed.
6.CardSetu Rewards
CardSetu Rewards is a programme run by CardSetu and is governed by the Reward Terms published on the CardSetu Rewards page. A reward is never guaranteed, depends on the issuing bank approving and issuing an eligible card, and never depends on sharing a photo, review or testimonial.
7.Content and intellectual property
The CardSetu name, logo and site design belong to CardSetu. Bank and card names and marks belong to their respective owners and are used only to identify the products listed. You may use the site for personal, non-commercial purposes.
8.Liability
CardSetu provides the site on an “as is” basis and takes reasonable care to keep information accurate, but does not guarantee that it is complete, current or error-free. To the extent permitted by law, CardSetu is not liable for any loss arising from reliance on information on the site, from an issuer’s decision, or from a third-party application journey.
9.Changes and contact
We may update these terms from time to time; the date at the top shows the latest version. Continued use after a change means you accept the updated terms. Questions about these terms can be sent to support@cardsetu.com.
These terms are governed by the laws of India.