Terms of Service

What Vyaya is

Vyaya is an informational service that compares Indian credit cards and estimates reward value. We are not a bank, NBFC, financial advisor, or lending marketplace, and nothing on this site is financial, legal, or tax advice. Card approval decisions are made solely by issuers.

Accuracy

Reward programmes, fees, and benefits change frequently and issuers can devalue them without notice. We work hard to keep data current (see our methodology), but the issuer's official terms always prevail. Verify current terms on the issuer's website before applying for or using any card.

Affiliate links

Some apply links may earn us a commission at no cost to you. Rankings and calculator results are not influenced by commissions.

Acceptable use

Don't scrape the site at abusive rates, attempt to breach security, upload content you don't have rights to, or misrepresent Vyaya's content as an issuer's official communication. We may suspend accounts that do.

Liability

The service is provided “as is”. To the maximum extent permitted by law, Vyaya is not liable for losses arising from reliance on the information here, including reward devaluations, declined applications, or fees charged by issuers.

Who we are & grievances

Vyaya is operated from India. For any question, complaint or grievance about your data — including access, correction and erasure under the Digital Personal Data Protection Act, 2023 — write to grievance@vyaya.in and we will respond within 7 days. Full legal entity details are being published here shortly.

Contact

Questions about these terms: support@vyaya.in.