I live in hyderabad and I am using this Bajaj Finance card since 2 yrs. First time I purchase a led tv with this card on Zero EMI . I am a salaried person and this card gives me lot of freedom to purchase a wide variety products without any interest being charged. Yes I must say the customer service is very cool they regularly call you to get your feedback and brings you a lot of other facilities time to time. They have annual maintenance charge which is very competitive. I am fully satisfied with this card and would recommend all the have one with them. The customer service executives are well trained and have quite good knowledge about the product. I must say this a card which will give you value for your money.