I have this card from quite some time and I bet it saved me a lot of money.
Two of its features has blown me off .
10% cash back on all Movie and Restaurant bills(make sure its between 400 - 4000) has for sure taken care of my 10% tipping habit during dining.
3 Months interest free and charge free EMI option. This is really easy and don’t have to bother to swipe the card like only during offer period or so.its a feature of the card!
First time I wanted to convert one of my Premium which I had to pay in last minute for tax saving which I had to pay thro card, gave me a pleasant surprise that it can be converted to interest/charge free EMI and then I started to use it very wisely and making most of it.
As always all this stuff comes with T&C in font which can’t read with a human eye. But to say none of the stuff that I couldn’t read didn’t hurt me until now.It been a year.
As like Cigarettes, Alcohol etc., which come with "Injurious to your Health" warning beware Credit Card don’t come with "May be injurious to your Financial Health" its how wisely you use it.