Recently as per new Guidelines from RBI, They switch from Monthly subscription to Annual Subscription.
Before you subscribe they will show you 35K to 50K Amount as an Credit amount which you can activate by subscribing to their annual subscription.
ONCE YOU SUBSCRIBE THEN YOUR CREDIT LIMIT WILL GO DOWN BY JUST 5K
Never buy any products from their store they are worthless and Once you return you have to wait for Refund.
Now Physical card is useless as per new guidelines.