Cancel anytime. No refunds for the unused part.

cardkhata is a subscription-only service. There are two plans, priced in Indian rupees and billed through a third-party payment gateway (Razorpay and/or Cashfree):

The plan and its price are always shown to you before you pay, and there are no hidden charges. Your card or UPI details are handled entirely by the payment gateway — they never touch cardkhata’s servers.

• You can cancel anytime, yourself, from your Profile page — no email required, no retention hoops.
• After you cancel, your access continues until the end of the period you have already paid for (the rest of the month on Monthly, the rest of the year on Annual).
• You will not be charged again after cancelling.

Because you can cancel at any moment and keep access for the time you paid for, we do not offer refunds for the unused portion of a billing period — no partial or pro-rata refunds on either plan. Cancellation stops future charges; it does not return past ones.

The one exception is a genuine billing error — a duplicate charge, or a charge after a confirmed cancellation. Write to support@cardkhata.in with the subject line “Billing” and the payment reference from the gateway, and we will investigate and reverse any charge that should not have happened. Reversed amounts are returned through the same payment gateway to the original payment method, on the gateway’s and your bank’s usual timelines.

Anything unclear about billing, cancellation, or a charge you don’t recognise: support@cardkhata.in. See also our Terms & Conditions and Privacy Policy.