Terms of Service

By accessing or using pointswallah.com ("the Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.

1. Information Purpose Only

All content on PointsWallah is provided for general informational and educational purposes only. Nothing on this website constitutes financial advice, investment advice, tax advice, or any other form of professional advice.

Credit card decisions should be based on your individual financial situation. We strongly recommend consulting with a qualified financial advisor before making any credit card or financial decisions.

2. Accuracy of Information

While we make every effort to keep information on this website accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information provided.

Credit card terms, reward rates, annual fees, and other details are subject to change by the issuing banks at any time without notice. Always verify current terms directly with the card issuer before applying.

3. Affiliate Relationships

PointsWallah participates in affiliate programmes with credit card issuers and financial institutions. This means we may earn a commission when you apply for a credit card through links on our website. These commissions help us operate the site and produce independent content.

Affiliate relationships do not influence our editorial recommendations. For full details, see our Editorial Policy.

4. No Guarantee of Approval

Clicking an affiliate link or applying through our website does not guarantee credit card approval. Approval decisions are made solely by the issuing bank based on their own eligibility criteria, including but not limited to your credit score, income, existing obligations, and other factors.

5. Intellectual Property

All content on this website — including text, comparisons, analyses, valuations, images, and design — is the property of PointsWallah and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.

Credit card names, logos, and trademarks mentioned on this website belong to their respective owners. Their use on this website is for identification purposes only and does not imply endorsement.

6. Third-Party Links

Our website contains links to third-party websites, including credit card issuers and financial institutions. We are not responsible for the content, privacy practices, or terms of service of these external sites. We encourage you to review their policies before providing any personal information.

7. Limitation of Liability

To the fullest extent permitted by law, PointsWallah shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or any information provided on it. This includes, without limitation, any financial losses resulting from credit card decisions made based on information found on this website.

8. User Conduct

You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorised access to any portion of the website or its systems
• Scrape, crawl, or use automated tools to extract content from the website without permission
• Interfere with or disrupt the website or its servers

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from or relating to these Terms or your use of the website shall be subject to the exclusive jurisdiction of the courts in India.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms.

Contact

If you have any questions about these Terms, please contact us at hello@pointswallah.com.