The card is good for me. I am using it from 2 years and never have faced any problem. Main thing is to use any credit card with utmost care.
Some points to be noted for credit card usage:
1) Don’t withdraw cash from ATMs until it’s your last option on earth.
2) Always pay at least the minimum amount before the due date.
3) Always ask about things like processing fees and all before any such EMI conversion.