I started using this credit card alot because it provides very low interest rates and the billing cycle of this credit card is very suitable to me . I buy lot of product from Online at emi and no doubt it gives very good interest rates to me , once I had a problem with my credit card and I called their customer service and they picked the call instantly and solved My problem within few minutes, I never got this type of good services from anywhere . I make sure I'll be using this credit for long time and I can trust them blindly