Friends I am using this card from last 18 months and it is the one of the best card for me. First year they are not charged any maintenance charges for me and from 2nd year they started charging minimal amount of 500 per year. I got free movie tickets of two through book my show when intially I purchased this card. Every time I will use this card for paying petrol so I am getting many payback points every month. Interest rate is low compared to other credit card. Customer support is awesome whenever I called for any clarification or converting EMI they will be providing accurate information.