1General Information Only
All information, tools, algorithms, and calculators provided on PerkIQ India are provided for general educational, comparative, and tracking purposes only. Nothing contained on this platform constitutes an offer to lend, financial advice, legal counsel, tax advice, or an endorsement of any particular credit card product.
Users should always exercise personal due diligence and evaluate their individual financial circumstances before applying for credit products or committing to large transaction spend thresholds.
2Dynamic Bank Terms & Devaluation Disclaimers
Credit card reward structures, point-to-rupee redemption ratios, milestone voucher criteria, accelerated Gyftr/SmartBuy multipliers, lounge access rules, and annual fee waiver conditions are determined solely by the respective card-issuing banks (including but not limited to HDFC Bank, State Bank of India, Axis Bank, ICICI Bank, American Express, Standard Chartered, Kotak Mahindra Bank, and Yes Bank).
- Card issuers reserve the unilateral right under Indian banking regulations to devalue points, restrict accelerated reward caps, or alter lounge access spend criteria without prior notice.
- While PerkIQ utilizes autonomous market monitoring to ingest bank circulars, variations between bank statement billing cycles and calendar quarters may lead to slight calculation timing discrepancies.
- In any dispute between PerkIQ calculations and your official monthly bank credit card statement, the terms and figures stated by your issuing bank shall prevail conclusively.
Affiliate & Advertising Disclosure (ASCI & FTC Compliance)
To maintain the free availability of our milestone optimizer and research tools, PerkIQ may participate in affiliate marketing programs and display third-party advertisements (such as Google AdSense).
- Editorial Independence: Our card comparisons, smart spend routing recommendations, and devaluation alerts are computed algorithmically based purely on objective mathematical yields (such as 16.66% on SmartBuy or 10% on Axis Atlas). We never rank or endorse a credit card merely because it pays an affiliate commission.
- Affiliate Partnerships: If you choose to apply for a credit card through certain external partner links featured on our website, we may receive a referral fee at zero additional cost to you.
- Sponsored Placements: Any sponsored listing or paid commercial partnership will always be conspicuously marked as "Sponsored" or "Ad" in compliance with the guidelines prescribed by the Advertising Standards Council of India (ASCI).
4Third-Party Trademarks & Nominative Fair Use
All product names, logos, bank emblems, card brand trademarks, and registered marks displayed on this platform are property of their respective trademark owners.
The use of these names, trademarks, and brands on PerkIQ does not imply endorsement, affiliation, sponsorship, or certification by the trademark holders. Any reference to specific cards (e.g., "HDFC Infinia Metal", "Axis Atlas", "Amex Platinum Travel") is purely for informational, educational, and nominative fair-use identification purposes.
5Limitation of Financial Responsibility
Under no circumstances shall PerkIQ, its directors, developers, or affiliates be held responsible for any financial loss, credit score fluctuations, interest penalties, annual renewal fee charges, points expiration, or missed flight vouchers resulting from reliance on the estimations provided by this application.