Terms of Use

CreditGully is an independent editorial platform that publishes credit card reviews, comparisons, rewards analysis, financial guides, and interactive tools (including CardFinder and card comparison features). The Service is designed to help Indian consumers make more informed decisions about credit card products.

CreditGully is a publisher, not a bank, card issuer, or financial institution. We do not issue credit cards, process credit applications, or offer any regulated financial product or service.

Nothing on CreditGully constitutes financial advice, investment advice, or a recommendation tailored to your personal financial situation.

Our reviews, rankings, reward calculations, and CardFinder results are general in nature and based on publicly available information about card features, fees, and reward structures. They do not take into account your individual creditworthiness, income, existing debt, financial goals, or personal circumstances.

Before applying for any credit card or financial product, you should consider your own financial situation and, where appropriate, consult a qualified financial advisor registered with SEBI or AMFI. Credit card eligibility and approval decisions are made solely by the issuing bank or financial institution, not by CreditGully.

CreditGully participates in affiliate marketing programmes with credit card issuers and financial institutions. When you click a link on our site and are approved for a credit card or other product, we may receive a referral fee or commission from the issuing institution.

This commercial relationship does not influence our editorial rankings, reviews, or methodology. Our editorial team operates independently of our commercial partnerships. Cards are not ranked based on the commission they generate for us.

Not all cards available in the market are featured on CreditGully. The presence or absence of a card on our platform does not constitute an endorsement or rejection of that product.

We make reasonable efforts to ensure that the information published on CreditGully — including card features, annual fees, reward rates, and eligibility criteria — is accurate and up to date. However, credit card terms change frequently at the discretion of issuers, and we cannot guarantee that all information is current at the time you read it.

Always verify card terms, fees, and conditions directly with the issuing bank before applying. CreditGully accepts no liability for decisions made in reliance on information that has since been changed by an issuer.

All content on CreditGully — including articles, guides, card reviews, tool outputs, graphics, and the CreditGully name and logo — is owned by or licensed to us and is protected under Indian copyright law (Copyright Act, 1957) and applicable international treaties.

You may share links to our content and quote brief excerpts for non-commercial purposes, provided you attribute CreditGully and link to the original article. You may not reproduce, republish, scrape, or commercially exploit our content without prior written permission.

You agree to use CreditGully only for lawful purposes and in a manner consistent with these Terms. You agree not to:

• Scrape, crawl, or systematically extract data from the website without our written consent.
• Use automated tools, bots, or scripts to interact with the Service in any way that places unreasonable load on our infrastructure.
• Attempt to gain unauthorised access to any part of our systems or databases.
• Use the Service to distribute spam, malware, or any unlawful content.
• Impersonate CreditGully or create misleading associations with our brand.
• Reproduce our reward calculations or tool outputs commercially without permission.

CreditGully contains links to third-party websites, including card issuer application pages, partner portals, and reference sources. These links are provided for your convenience. We do not control third-party sites and are not responsible for their content, accuracy, privacy practices, or availability.

Following a link to a third-party site means you leave CreditGully and are subject to that site's own terms and privacy policy.

The Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, CreditGully disclaims all warranties, express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Warranties that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.
• Warranties as to the accuracy, completeness, or timeliness of any content.

To the maximum extent permitted by applicable Indian law, CreditGully and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Service.
• Any decision made in reliance on content published on CreditGully.
• Errors or omissions in card information that has been changed by an issuer.
• Unauthorised access to or alteration of your data or transmissions.

In no event shall our total liability to you exceed the amount you paid us in the twelve months preceding the event giving rise to the claim (which in most cases will be zero, as CreditGully is free to use).

You agree to indemnify and hold harmless CreditGully and its affiliates, officers, and employees from any claim, damage, loss, or expense (including reasonable legal fees) arising from your violation of these Terms or your misuse of the Service.

These Terms are governed by the laws of India. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in India. We encourage you to contact us first to resolve any dispute informally before pursuing formal proceedings.

We may revise these Terms from time to time. When we make material changes, we will update the effective date at the top of this page. Continued use of the Service after revised Terms are posted constitutes your acceptance of the changes. If you do not agree to the revised Terms, you should stop using the Service.

If you have questions about these Terms or wish to report a concern, please contact us: