Terms of use

By using ShopByCards.com you agree to these terms. Please read them carefully.

1. Acceptance

Using the site indicates your acceptance of these Terms. If you don’t agree, please don’t use the site.

2. Content is informational, not financial advice

All articles, comparisons, and product summaries are for general information only and are not personalised financial advice. Always confirm current fees, rates, and requirements directly with the provider before applying for an account or card.

3. Accuracy

We work hard to keep figures accurate and re-check them every month, but banks change fees and rates without notice. We aren’t liable for changes or errors. Treat all numbers as an indication, not a guarantee.

4. Affiliate disclosure

Some outbound links pay us a commission when you open an account. This never affects which products we feature or how we rank them.

5. Intellectual property

The articles, illustrations, and code on ShopByCards.com are © ShopByCards. Brand artwork (logos, card designs) is owned by the respective banks and e-money issuers.

6. Limitation of liability

To the maximum extent allowed by law, ShopByCards is not liable for any direct or indirect loss arising from your use of the site.

7. Governing law

These Terms are governed by the laws of the Republic of the Philippines.