Terms of Use

YourFirstCard helps you discover and compare fixed deposit-backed credit cards. We are not a bank, card issuer, lender, credit bureau, investment adviser or deposit-taking institution.

Information on the site is general product information, not legal, tax, investment or personal financial advice. YourFirstCard does not make a credit decision or guarantee approval, a particular limit, a credit-score outcome or continued product availability.

The issuing bank decides eligibility, approval, fixed deposit requirements, credit limit, interest rate, fees, rewards, KYC, card network, servicing, collections, suspension and closure.

Product details may vary by applicant, location, application channel and date. The issuer’s application, Most Important Terms and Conditions, cardmember agreement and current schedule of charges prevail over information shown on YourFirstCard.

Any fixed deposit is opened with and maintained by the relevant bank or its authorised channel. YourFirstCard does not receive, hold or control your deposit funds.

A bank may mark a lien on the fixed deposit, restrict premature withdrawal or use the deposit toward unpaid card dues under its terms. Deposit interest, tax treatment and closure consequences depend on the bank’s current terms.

We aim to present card information clearly and use official or publicly documented sources where available. Product terms can change without notice, and a source may be incomplete, delayed or withdrawn.

Check the issuer’s official page and current documents before applying. Examples, calculators and illustrations are explanatory only and are not quotations, commitments or forecasts.

YourFirstCard currently provides an early-access offer-matching journey. Details you submit may be used to verify your identity and contact information, identify relevant offers and send updates covered by your consent. This does not submit a card application, reserve a card or guarantee approval.

When applications open and you choose to continue, the bank or card platform will be responsible for its application process, KYC, security, decision, communications and customer service. External sites have their own terms and privacy notices.

YourFirstCard may receive a referral, distribution or marketing fee when a user follows a link, starts an application or receives a product. Where a commercial relationship affects how an offer is presented, we will disclose it as required.

Compensation does not give YourFirstCard control over the issuer’s approval decision or final terms. The availability of a company name or product on the site does not by itself establish a commercial partnership.

You must provide accurate information, protect your devices and credentials, and use the service only for lawful personal purposes. Do not interfere with the site, attempt unauthorised access, misuse another person’s information, automate abusive requests or copy substantial parts of the service for resale.

The YourFirstCard brand, site design, original copy, software and illustrations are owned by or licensed to the operator of YourFirstCard. You may use the site for personal, non-commercial comparison, but may not reproduce or exploit protected material without permission.

Bank, card-network and platform names and marks belong to their respective owners and are used only to identify the relevant products or services.

We may change, suspend or discontinue parts of the service for maintenance, security, legal or business reasons. We do not promise that the site will always be uninterrupted or error-free.

To the extent permitted by law, YourFirstCard is not liable for decisions made by issuers, losses arising from reliance on outdated third-party information, or problems on external websites. Nothing in these terms excludes rights or remedies that cannot lawfully be excluded under consumer or other applicable law.

We may update these terms when the service or law changes. The latest version and update date will appear on this page. Continued use after an update means the revised terms apply from that point.

These terms are governed by the laws of India. Disputes are subject to the jurisdiction of the competent courts in India, without limiting any statutory forum available to a consumer.

Questions or grievances about these terms can be sent to privacy@spense.tech. Please describe the issue and include a contact address so we can respond.