Welcome to Oxigen Wallet. By accessing or using this website, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our services.
If you do not agree with any part of these Terms, you should discontinue use of the website.
About Oxigen Wallet
Oxigen Wallet is an India-based online platform that provides credit card comparison and informational content. The website helps users explore different Indian credit cards, including rewards, cashback, travel, and premium cards, along with bank offers, eligibility insights, and educational finance-related content.
Oxigen Wallet is not a bank, NBFC, financial institution, or credit card issuer.
Nature of Services
All content available on Oxigen Wallet is provided for informational and comparison purposes only.
We do not issue credit cards, process applications, or make approval decisions.
Any credit card application initiated through links on this website is completed directly on the official bank or issuer’s website, subject to their terms and policies.
No Financial or Professional Advice
The information published on Oxigen Wallet should not be considered financial, legal, tax, or investment advice.
Users are encouraged to assess their own financial situation and, where necessary, consult qualified professionals before making any financial decisions.
Credit Card Applications and Approvals
- Final approval, rejection, credit limits, fees, and benefits are entirely determined by the respective banks or card issuers
- Eligibility depends on factors such as income, credit score, employment status, and bank-specific criteria
- Oxigen Wallet has no influence or control over approval outcomes
We are not responsible for any rejection, delay, or change in application status.
Accuracy of Information
We make reasonable efforts to ensure that credit card details, features, fees, rewards, and offers displayed on the website are accurate and up to date.
However:
- Credit card terms and offers may change without notice
- Banks may update benefits, pricing, or eligibility at any time
Users are solely responsible for verifying all information on the official bank or issuer website before applying.
Third-Party Links and External Websites
Oxigen Wallet may contain links to third-party websites, including bank portals and partner platforms.
Please note:
- We do not control or endorse the content of third-party websites
- We are not responsible for their accuracy, security, or privacy practices
- Any interaction with third-party sites is at the user’s own discretion
Users should review the terms and policies of external websites independently.
User Responsibilities
By using this website, you agree to:
- Use the content only for lawful and personal purposes
- Not misuse, copy, scrape, or reproduce content without permission
- Not attempt to interfere with the website’s functionality or security
- Provide accurate information if submitting queries or forms
Any misuse may result in restricted access or legal action, where applicable.
Intellectual Property Rights
All content on Oxigen Wallet, including text, graphics, logos, layout, and comparisons, is the intellectual property of Oxigen Wallet, unless stated otherwise.
Unauthorized copying, reproduction, distribution, or commercial use of any content without prior written consent is prohibited.
Limitation of Liability
Oxigen Wallet shall not be liable for:
- Any financial loss, rejection, or opportunity cost arising from credit card applications
- Errors, omissions, or outdated information
- Actions taken based on information available on the website
- Technical issues, downtime, or third-party service interruptions
Use of the website and reliance on its content is entirely at the user’s own risk.
Privacy and Data Use
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect user data.
Please review the Privacy Policy for detailed information.
Modifications to Terms
Oxigen Wallet reserves the right to update or modify these Terms and Conditions at any time without prior notice.
Continued use of the website after changes are published constitutes acceptance of the revised Terms.
Governing Law and Jurisdiction
These Terms and Conditions are governed by the laws of India.
Any disputes arising from the use of this website shall be subject to the jurisdiction of the competent courts in India.
Contact Information
If you have any questions regarding these Terms and Conditions, you may contact us through the Contact Us page on the Oxigen Wallet website.