I think its my great mistake getting this card as they annoy so much with calls I got calls before getting card for insurances and all I said them to give my card first then ill think but they insured my card of 2100 rs unnecessarily I Got to know when I got the statement after this also they havent stopped me calling for life insurance and all so much annpyed I would prefer not to get this credit card as they also charge rs 499 per year as card charges.