This was my first card and it worked like a breeze. The fuel surcharge waiver is for HPCL pumps only where ICICI swipe machines alone are used. Else it will have extra charge. Learnt that the hard way. Nevertheless I had made a standing instruction to auto debit my account and hence you don’t have to worry about payments. A no hassle card for beginners. Since I travel a lot I got it finally upgraded to Coral Credit Card. Haven’t started using it though.
So for all first time credit card users, do try this card as your stepping stone to build a good credit history. No hidden annual charges or introduction fee or anything of that sort.