How we make money

We may earn a commission when you apply through links on this site. It never changes our comparisons.

Referral commissions

• Buttons labelled Apply now go to our referral partner. If your card is approved or your loan is disbursed, the partner may pay us a commission. You pay nothing extra for using our link.
• Check your loan offers goes to our partner's loan page. You enter your details there (including PAN), and the partner suggests lenders based on your profile. If a loan is disbursed, we may earn a commission. Lenders shown and approval are decided by the partner and the lenders, not by us.
• Buttons labelled View on issuer site go straight to the bank. We don't earn anything from those.
• Referral-partner links are marked as sponsored for search engines.

What commissions don't change

• Card rankings come only from fees, value back and eligibility; lender rankings only from published rates. The rules are in our methodology.
• We never accept payment to rank a card or lender higher, or to leave one out.
• Facts come from the bank's or lender's own published terms, not from the partner.

Which cards and lenders we cover

We compare cards available through our partner and the most-searched cards we don't earn from. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn. A card we don't earn from shows “View on [bank] site” instead of “Apply now”. We still don't list every card in India, and we say so on every comparison page. For personal loans we compare lenders available through our partner, and we leave out some loans it offers, such as very high-cost short-term loans; see our methodology for why.

Trademarks and independence

Card and bank names are trademarks of their owners. CreditParakh is an independent comparison site and isn't affiliated with or endorsed by any bank or card issuer. Some apply links go through an authorised referral partner.

Not a lender

CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.