Terms of service
Who we are
KaunsaCard (kaunsacard.com) is run by Sakshi Bhawnani, a sole proprietor based in Kanpur, Uttar Pradesh, India. "We" and "us" mean the operator. You can reach us at hi@kaunsacard.com or through the contact page.
What KaunsaCard does
KaunsaCard tells you which of your credit cards earns the most on a given spend, what your reward points are worth, and where they can be transferred. It works from each bank's and loyalty programme's published terms, each with the date we read it. Anyone can use the free parts without an account. A paid membership unlocks more, as described on the membership page.
Information, not financial advice
KaunsaCard is an information tool. It is not financial, investment, tax or credit advice, and we are not a bank, card issuer or registered adviser. Banks change their reward rules, caps and exclusions, sometimes without notice. Check the bank's current terms before a large spend or a points transfer. We are not responsible for rewards a bank does not credit, or for decisions you make using the site.
Ranking is never paid for
No bank, card issuer or partner pays to change what KaunsaCard recommends. If a page ever shows an affiliate link, it is for display only and never affects the order of results.
Your account
An account needs a working email address. Keep your sign-in methods (passkeys, email) secure; you are responsible for activity on your account. You must be 18 or older to create an account. We may suspend or close an account that breaks these terms, attacks the service, or is used to copy member content in bulk.
Membership and payment
Membership is prepaid for one month or one year at the price shown on the membership page when you pay. Prices are in Indian rupees; any tax that applies is included in the price shown. Payments are processed by Razorpay; we never see or store your card or bank details. A plan does not renew by itself: when it ends, you choose whether to pay again. Paying again while still a member adds the new period after the current one. Refunds are covered by the refund and cancellation policy, and how access is delivered by the delivery policy.
Fair use
Do not scrape, copy or republish the site's data in bulk, share member content outside your own use, resell access, try to get around the paid gate, or interfere with the service or other users. Member content is marked so that a copy can be traced to the account it came from.
Our content
The site, its design, its code and its compiled data (the rules, valuations and write-ups) belong to KaunsaCard. Bank, card and programme names and logos belong to their owners and are used only to identify them.
Availability and liability
We work to keep the site accurate and available but provide it "as is", without guarantees that it is error-free or always online. To the extent the law allows, our total liability to you for any claim is limited to the amount you paid us in the 12 months before the claim.
Changes
We may update these terms. The date at the top shows the latest version. If a change materially affects paying members, we will say so on the site or by email before it applies.
Governing law
These terms are governed by the laws of India. Courts at Kanpur, Uttar Pradesh have jurisdiction over any dispute.