I have use my choce credit card last 4 years. No any problem in customer care service. I got many more offers with this credit card every year like big bazar, amazon, myntra.com, I got 5 to 10% discount offers every time. My choice credit card provide 5% cash back on every transaction on 5 types of transaction. 1) electronics 2) utility bills 3) fuel charge 4) travel and 5) dyning. but max. Cashback provide monthly Rs.250/- and total cashback get yearly Rs.1000/- only. Annual charge is Rs.250/- but I got anually Rs.1000/- cashback thats why this card is totally free of cost. I got 4 loyalty reward points on every Rs.200/- transaction. I have redeem my loyalty reward points in amazon e vouchers and recharge vouchers. Multiple options available in loyalty reward points redeemption program. I want to suggest everyone. It is very best card for lifetime transactions. COME ON INDIA LETS START CASHLESS LIFESTYLE WITH AXIS BANK MY CHOICE CREDIT CARD.