I am using it from last 2 yrs it is the best credit card that I have in my pocket. Its has atleast 2% rewards point in form of cash if you spent more than 8 lacks . Means u can earn 20000 rs in a year so . What a person want from credit card other than this. I have also some other card in my pocket but its the best card I have . Also customer service is available 24 hrs so you can call any time to customer care. Also customer servicres is also very good and responsive. So what u are waiting go and grab the deal and start use of credit card and be a part of digital india .also u will be earning money by using credit card in the form of rewards.