Disclaimer

Effective 2026-10-05.

Saifu gives information and education, not advice. Nothing on this website or in the app is investment, tax, credit, legal or financial advice, or a recommendation to buy, apply for or hold any product.

Who we are not

Saifu is not registered with SEBI as an Investment Adviser or Research Analyst. We do not recommend stocks, mutual fund schemes or any other security. For advice on investments, speak to a SEBI-registered investment adviser.
Saifu is not a bank, NBFC, credit card issuer, lender, loan agent, insurer or insurance intermediary. We do not issue cards, lend money or sell insurance, and we do not link to loans or credit lines.
Saifu is not a credit information company. The credit score simulator is a teaching model. It is not a score from TransUnion CIBIL, Experian, Equifax or CRIF and does not use your credit report.

Card information

Fees, waivers, reward rates, lounge access and eligibility are taken from each bank's own published pages and dated in the card data. Banks change them, sometimes without notice. The bank's most important terms and conditions (MITC) and its Key Fact Statement always win over anything shown here. Whether you get a card, and on what terms, is decided only by the bank.

Calculators

Calculators show estimates from the numbers you enter and simple, published formulas. Returns on mutual funds are not fixed or guaranteed, and past returns do not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Tax figures follow the Income-tax Act, 2025 for tax year 2026-27 as we understand it, cover only income taxed at slab rates, and are not tax advice. Rates such as PPF, FD and card interest change; check them with the bank or the government notification.

Articles and guest posts

Articles explain how things work, with links to their sources. Guest posts are written by members of the public; we check them and may edit them, but the views are the writer's. We do not publish stock or fund tips.

Affiliate links

Some Apply links are affiliate links, labelled on the button. If you apply through one, Saifu may earn a commission from the network or bank at no extra cost to you. Commission never changes how cards are listed, compared or ranked. See How we earn.

Your decisions

You are responsible for decisions you make. Check the official terms, and take professional advice where you need it, before you apply for a card, take a loan or invest.