So, I have this credit card for around 8 years now. And not even once I have faced any problem with this card. The rewards are really great. You get to earn points on everything you pay from this card and the same can be redeemed for tons of gifts. The best part that I like is redeeming the points for free fuel. Every point that you earn is equal to Rs. 1/- when one redeem for fuel. Probably in an year around 6 time I get my car tank full with the points that I accumalate. The other good part is no hidden charges, no annual fee, no taxes on purchases you do. Good credit limit. Their customer service ppl are also experts and solve your problem quite professionally. Must have credit card.