I opt this 2 month back. Bank resp said that you have to pay any one utility bill, upon that this card will be free for life time. So I tried to pay on MSEB but I was surprise, MSED didnt accept any international card.
I tried this card in one of shopinc center but I was not able to pay.
Today I came to know that, if you want to redeem your point then rs. 99 will be charges. OMG, again charges, is this a credit card for offer or loot.