I have HSBC Card with lifetime free and No joining fee, and Bank provide me mail for lifetime free for very good card, customer service is good and helpful but such some bad thing about customer care he always offered you some not useful plan like Balance transfer and other, Saturday buy 1 get 1 movie offer and lot of more offer, and other offer I got in this credit credit card is cashback. I had use this card 3 month and in my 4th month statement I got 3000 of cashback.Rates and charges are high but he revert your charges if your credit ability is good . I will recommend this card and satisfied with this.