I have been using pnb global credit card for 1.5 yrars. And I am happy with its service. Here I am getting 20 to 50 days interrest free to pay my biils. Pnb visa global credit card is acceptable everywhere. Now so many cashback offers are running currently like croma, brand factory and make my trip etc. Easy bill paying system. Guys you can ho for it. Annual charge is also low.