Affiliate & Lead-Sale Disclosure
Updated for ASCI India & FTC guidelines
How we make money
Perk.Cards is a free, independent comparison site for Indian credit cards. We do not issue cards or process applications. We make money in two ways:
- Affiliate commissions — when you click Apply at <Bank>and the bank approves your application, the bank (or its authorised affiliate network — typically BankBazaar, CardInsider, or a direct issuer program) pays us a one-time referral fee. This fee is paid by the bank, not by you.
- Lead sales — when you submit the “Get a callback” form on a card page, with your explicit consent, we share your contact details and profile with the issuing bank or its authorised partner. They pay us a per-lead fee for the introduction.
What this does NOT change
- Card fees, rates, rewards, and benefits shown on Perk.Cards reflect what the bank publishes on its own website. We do not adjust them based on commission.
- Our editorial choices about which cards to feature are made on the basis of reader interest and data availability, not commission.
- You pay nothing to Perk.Cards. The bank's standard fees, eligibility, and approval criteria apply unchanged.
- You can use any card's page to compare details without applying or submitting a lead form.
Your rights
- You can browse Perk.Cards without sharing any personal information.
- The lead form requires explicit consent to be contacted and to share your details with the bank. You can decline at any point.
- You can ask us to erase your lead data via the data deletion form. We anonymise matching records and retain only a minimal audit trail required for legal and billing reconciliation.
- Full details in our Privacy Policy and Terms of Service.
Regulatory disclosure
This page exists to satisfy disclosure norms under the Advertising Standards Council of India (ASCI) Code for Self-Regulation, the FTC's Endorsement Guides where applicable to international readers, and Section 9 of India's Digital Personal Data Protection Act, 2023 governing “legitimate use” of personal data shared with a third party for which consent has been obtained.