My experience with the bank is excellent. I have used Debit cards, credit cards, forex cards in and out of India. I can check my purchases on the internet and make sure that every thing is ok. Many times my debit card when submitted for paying bill in USAis treated as credit card and payment is passed.
Not on a single occasion it was rejected.Advantage with forex card is you purchase FE at your convenient point of time before you leave India and spend it as cash no matter what the prevailing rate is. Some times you suffer but mostly it is profitable. No commission is deducted if purchase is made. Only if you need cash $2.25 are deducted per transaction.
And you can check your balance on internet any time.Even when you are required to return any item to the stores and stores gives you credit back to your account the transaction goes smoothly. I have never taken any loan from the bank and can not comment on that. I am very satisfied with the service.