Its for the first time I have been using some kind of credit card which my FATHER has gifted me and said that its an Indian Card which can be ised internationally too. Firstly I was very nervous to use as I have been reading a lot about the different credit cards and its repurcussions but seeing my FATHER encouragement I started using it and its an awesome experience, hassle free, no network issues and is very easy to use. I am very much satisfied and encourage all to use this card rather using some international brands.