Financial Disclaimer & Affiliate Disclosure

Last Updated & Effective Date: January 1, 2026

Important Notice for Visitors: ReviewOrbit (revieworbit.in) is an independent financial product review and comparison portal. The information published on this website is for general informational and educational purposes only and does not constitute formal financial, credit counseling, investment, or legal advice.

1. Financial Advice & Non-SEBI Advisory Disclaimer

ReviewOrbit is NOT a financial institution, credit card issuer, bank, SEBI-registered investment advisor, or licensed loan underwriter. We do not issue credit cards, extend lines of credit, approve credit applications, or determine individual credit scores (such as CIBIL, Experian, or Equifax).

All financial products, credit card specifications, annual fee structures, interest rates (Annual Percentage Rates - APR), joining benefits, reward calculations, and eligibility thresholds displayed on ReviewOrbit are based on publicly available banking documentation and subject to frequent change by card issuing institutions.

2. FTC & Indian Regulatory Affiliate Disclosure

In full compliance with international FTC guidelines, the Indian Information Technology Act (2000), and digital advertising transparency standards, please be advised that ReviewOrbit maintains financial affiliate relationships with partner banks and financial networks (including SBI Card, HDFC Bank, ICICI Bank, Axis Bank, Bank of Baroda, IDFC FIRST Bank, Federal Bank, and IndusInd Bank).

When you click an "Apply Now" button or submit a credit card application through referral links provided on ReviewOrbit (such as tracking URLs using bitli.in or direct affiliate parameters), we may receive financial referral commissions from the partner bank at ZERO additional cost to you.

These referral commissions enable us to operate ReviewOrbit, maintain 100% free access for all visitors, build interactive card comparison engines, and continually update product data without charging subscription fees.

3. Bank Rate, Fee & Specification Variance Notice

While our team makes every effort to ensure all 48 credit card listings are accurate and updated regularly, credit card issuers frequently modify their fee schedules, milestone reward criteria, lounge access terms, fuel surcharge waivers, and eligibility income rules without prior notice.

Visitors are strongly advised to carefully read the official Key Facts Statement (KFS), Most Important Terms and Conditions (MITC), and schedule of charges directly on the issuing bank's official portal before submitting any credit card application.

4. Limitation of Liability & Hold Harmless Clause

Under no circumstances shall ReviewOrbit, its owners, operators, developers, content creators, or affiliates be held legally or financially liable for:

  • Any credit card application rejections, hard credit inquiry impacts, or changes in individual CIBIL scores.
  • Discrepancies between card rewards, cashback amounts, or lounge access policies published on this website versus bank fulfillment.
  • Annual fee charges, interest rates, late payment penalties, or dispute resolutions arising between a cardholder and an issuing bank.
  • Technical interruptions, site downtime, third-party link redirections, or errors in automated comparison output.

5. Contact & Legal Inquiries

If you have questions regarding this Disclaimer, affiliate disclosures, or data transparency, please contact the ReviewOrbit Team via our editorial desk at legal@revieworbit.in.