I have used the card it’s very good on cashback. The UX can be better and optimization is not done properly. The card gives details transaction view in app support. It also gives you 3X reward points when you complete any three catagory like utility, groceries and food or anything else. It will accumulate point which can be redeemed against your credit card bill. Every point value at 10paisa each and good thing is it didn’t expires like other credit card offers. You keep accumulate coin. I feel they should give two variant visa and rupay , so people can choose which payment processor they want, also rupay will give scan option for merchant payment.