About Us – CardMela.com

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Our Philosophy

We started CardMela because credit cards in India are often misunderstood and misused. While most websites focus on selling cards, we focus on educating you.

Our core values:

• Transparency First: No hidden agendas. We tell you what’s good, what’s not, and what you should avoid.
• No Pushy Sales: We never cold-call, never spam, and never push a product.
• Real Insights: We test, research, and explain card features in simple language.
• User Comes First: We write everything with a first-time user in mind—zero jargon, zero confusion.

But please remember—CardMela will never take responsibility for your financial decisions. We are here to provide tools and guides, not personalized advice or financial services.

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What We Offer (But Are Not Responsible For)

Here’s everything CardMela helps you with:

• Smart tools to compare credit cards by features, income eligibility, reward types, etc.
• In-depth card reviews covering annual fees, welcome offers, lounge access, reward structures, fuel waivers, forex markup, and more.
• Regular updates on offers during sales like Amazon Great Indian Festival, Flipkart Big Billion Days, etc.
• Detailed blogs to help you select cards for food delivery, travel, IPO investing, OTT streaming, or online shopping.
• Educational content on how to build your credit score, avoid debt traps, and use cards wisely.

However, CardMela is not responsible for:

• Rejected applications
• Incorrect offers shown by the issuer
• Mismatch in features between the bank’s app and our listing
• Failure to get rewards, cashback, or vouchers
• Changes in eligibility criteria
• Credit bureau issues
• Bank charges, reversals, or frauds
• Disputes related to missed EMI, billing errors, or customer care negligence

We do not and cannot guarantee any feature, benefit, cashback, or approval. All such matters are between you and the respective credit card issuer.

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Privacy Policy – Your Data, Your Control

We at CardMela deeply respect your right to privacy. We don’t want your data—we only want to help you discover better credit cards.

We do not:

• Collect sensitive information like PAN, Aadhaar, CVV, card numbers, or bank login details.
• Share your email, name, or any voluntarily submitted information with third parties without your explicit permission.
• Use your contact info to spam or sell irrelevant products.

We do:

• Use cookies to track visits for analytics and affiliate attribution (non-personal data only).
• Store anonymous data to improve site experience.
• Comply with Indian data privacy laws.

Still, by using our platform, you agree that CardMela cannot be held responsible for any data breach, misuse, or unauthorized tracking resulting from third-party tools (like Google Analytics, affiliate tracking links, etc.) used on this site.

Any interaction with our platform is done at your own risk and discretion.

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Terms & Conditions – Please Read Carefully

By visiting and using CardMela.com, you agree to the following:

1. No Banking Role: CardMela is not a bank or credit card issuer. We do not process your application or decide eligibility.
2. No Service Role: We do not offer customer support, refunds, replacements, chargeback, or complaint resolution on behalf of any issuer.
3. Content Source: All content is based on public data from bank websites, user experiences, and market research. It may not always reflect latest updates.
4. Dynamic Nature: Card features, charges, limits, and offers may change at any time. We try to update promptly but do not promise accuracy or completeness.
5. Affiliate Commission: We may earn from some approved card applications. This does not influence rankings, reviews, or recommendations.
6. No Personalized Advice: We provide general information. We do not assess your credit profile or offer financial advice tailored to your needs.
7. Limited Liability: CardMela, its team, or its partners are not liable for:
   • Any credit decisions you take
   • Any data misuse from issuer websites
   • Any financial loss, penalty, or dispute due to card usage
   • Application status or approval delays
   • Offers shown by banks that are later revoked

Use of this website means you fully accept that CardMela is not legally, financially, or contractually liable for your actions.

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Legal Disclaimer – Total Denial of Responsibility

We repeat again:

CardMela is not a bank, lender, payment system, NBFC, broker, agent, or financial advisor.

We do not handle, manage, track, or influence:

• Credit card application status
• Approval criteria or documentation
• Credit limit assignment
• Reward points posting
• Card blocking or replacement
• Customer care escalations
• Complaints regarding fraud or misuse

Any issue related to your credit card is strictly between you and the bank. CardMela is only a research and awareness platform. Nothing on our site constitutes official bank communication or documentation.

You alone are responsible for the choices you make using the information provided here.

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Careers at CardMela

We are a small, agile team working on a big mission—making financial products easy for everyday Indians.

We’re hiring across:

• Content Creation (SEO Blogs, How-to Guides, Review Pages)
• YouTube Shorts & Reels Script Writers
• Video Editors
• Affiliate Marketing Specialists
• SEO & WordPress Managers
• Performance Analysts
• Interns with background in finance, journalism, marketing, or design

What we offer:

• Remote-first work culture
• Flexible hours
• Real ownership in content and product
• Strong learning environment
• No corporate red tape

We do not charge candidates for interviews, tests, or placement. All communication comes only from our official email ID.

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The CardMela Blog

If you want real, actionable advice on credit cards, our blog is your best friend.

Topics we cover include:

• Best credit cards for every income group
• Cards for specific use cases: travel, food delivery, OTT, IPOs, fuel, online shopping
• Offer-based alerts: Amazon, Flipkart, Swiggy, Paytm sales
• Credit score tips and hacks
• Myths around free cards, hidden charges, and reward expiry
• Detailed explainers for new users
• Card combinations to maximize value

But again: all articles are for education only. Any bank may change features or cancel cards at their sole discretion. We cannot and do not take responsibility for any user loss.

We recommend verifying everything on the official issuer’s website before applying or using your card.

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Final Note – Use at Your Own Risk

To every reader, visitor, applicant, or researcher using CardMela.com:

You are fully responsible for every financial decision you make.

We give you tools, knowledge, and comparisons. That’s it. The rest is between you and the bank.

By using CardMela.com, you agree that:

• You understand we’re only an informational site.
• You will verify all information before acting.
• You will not hold us accountable for any mistake, delay, or financial consequence.

We exist to guide, not to serve. Use us smartly—but use us at your own risk.

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Contact Us

For general queries, suggestions, or partnership discussions:

📧 Email: cardmela.info@gmail.com
🌐 Website: www.cardmela.com
📍 Location: Operates from India, remotely

No customer care. No account handling. Just honest guidance—on your terms.