Terms of Use

By accessing www.whichwise.com (“WhichWise”, “we”, “us”) you agree to these terms. If you do not agree, do not use the site.

What WhichWise is

WhichWise is an independent, reader-focused credit card comparison site for India. We publish research, calculators, and comparison tables based on publicly available information from card issuers' terms and conditions, RBI circulars, and bank websites.

We are nota bank, card issuer, broker, financial advisor, or lead generator. We do not process applications, hold accounts, or provide financial products of any kind. Applying for a credit card is done entirely through the card issuer's own channels, typically by clicking through to the issuer's website.

Accuracy of information

We take accuracy seriously: see our editorial policy for our research process and review cadence. However:

• Card features, fees, reward rates, and terms change frequently. We update pages as we find changes, but there is always a lag.
• Calculators provide estimates based on the inputs you provide and the rules we have captured. Your actual rewards may differ.
• Always verify any material fact with the official bank page before applying. We surface a link to the issuer's official page on every card detail page for this reason.

Intellectual property

The content on WhichWise (articles, guides, comparison tables, calculator logic, structured card data, and the site design) is our copyright. You may:

• Link to any page freely.
• Quote short passages (a few sentences) with attribution and a link back.
• Screenshot pages for personal reference.

You may not scrape, republish, or mirror substantial portions of the site without written permission.

Bank names, card names, and logos are trademarks of their respective owners. We use them to identify the products we write about, not to imply endorsement or partnership.

No warranty

WhichWise is provided “as is”. We make no warranty that information is complete, current, or error-free. To the maximum extent permitted by law, we are not liable for any loss (financial, reputational, or otherwise) arising from your use of the site or reliance on its content.

Acceptable use

Do not use automated tools to scrape the site at rates that degrade service for others. Do not attempt to reverse-engineer or bypass access controls. Do not use WhichWise content to mislead others about credit card terms.

Changes to these terms

We may update these terms. The “last updated” date at the top of this page is authoritative. Continued use of the site after changes means you accept the updated terms.

Jurisdiction

These terms are governed by Indian law. Any dispute arising from use of WhichWise is subject to the exclusive jurisdiction of courts in India.

Contact

Questions about these terms: hello@whichwise.com.