Disclaimer
Last updated: February 2026
Not Financial Advice
The information on PlasticMoney is provided for educational and informational purposes only. It is NOT intended as financial advice.
You should always consult with a qualified financial advisor, accountant, or banking professional before making any credit card or financial decisions. PlasticMoney is not a licensed financial advisor.
Affiliate Disclosure
PlasticMoney may receive compensation from credit card issuers and financial institutions when you:
- Click on links to card application pages
- Apply for and are approved for credit cards
- Sign up for financial products through our site
However, this compensation does NOT influence our ratings, rankings, or recommendations. We maintain strict editorial independence and evaluate cards based on their features, not on compensation.
We may recommend cards from which we do not earn compensation if they are better suited for your needs.
Community Project
PlasticMoney is a community-driven project created to help Indian consumers make informed credit card decisions. We are passionate enthusiasts sharing knowledge with the community, not a commercial financial services company.
All information on this website is compiled from publicly available sources on the internet, including bank websites, official documents, and public forums. We do our best to verify information, but we cannot guarantee its accuracy or completeness.
Information Accuracy & Updates
We aim to update our card database on a weekly basis, but we may occasionally miss some updates. Credit card information changes frequently, and while we try our best to keep up:
- Credit card terms, fees, and benefits can change without notice
- Banks may modify reward structures, annual fees, and eligibility criteria
- Interest rates and charges may vary based on individual credit profiles
- Promotional offers may expire or become unavailable at any time
- Point values and redemption rates can be devalued by issuers
- Some cards may be discontinued or have limited availability
Always verify current terms directly with the card issuer before applying. The information shown here may be outdated.
No Guarantee of Approval
PlasticMoney cannot and does not guarantee:
- That you will be approved for any credit card
- That you will receive specific credit limits or terms
- That eligibility criteria shown are current or accurate for your situation
- The outcome of any credit card application
Credit card approval depends on factors including your credit score, income, existing debt, and the bank's internal policies—all of which are outside our control.
Our Methodology
Our ratings and rankings are based on our editorial assessment of:
- Annual fees and fee waiver conditions
- Reward rates and effective value
- Lounge access and travel benefits
- Eligibility requirements
- Card features and perks
- Customer value relative to cost
Our assessments are subjective and may not reflect your individual needs or preferences.
Third-Party Websites
Our website contains links to third-party websites, primarily bank and card issuer sites. We are not responsible for the content, accuracy, or practices of these external sites. Clicking on external links is at your own risk.
Limitation of Liability
PlasticMoney and its team shall not be held liable for:
- Financial losses resulting from credit decisions
- Credit card application rejections
- Fees, charges, or interest incurred on credit cards
- Changes in credit score resulting from applications
- Any damages arising from use of our information
You use the information on this website at your own risk.
Updates to This Disclaimer
We may update this disclaimer from time to time. The current version will always be available on this page with the "Last updated" date shown.
Questions?
If you have questions about this disclaimer or our practices, please contact us:
Contact Us