This is the worst service. For opening a credit account, we have so many facilities like call back etc. But once you get your card , you cant catch the customer service people at all. I have been calling them for so mamy days. The call is put on wait and they never answer. The worst part is it is not a toll free number. They charge hefty fee on cash withdrawal. There is a late fee paent charge which cost about 800 rs. and my outstanding was 3000. About 30% interest omg I cudnt believe this and I dont see any other banks charging this much. For taking out 1000 rs from Atm , I was charged 300 rs. The worst part is customer care department. Whatever the problem may be, if it is looked into or if we are helped then its fine. When I called to close the card, they told me to mail them. I mailed them but till now no response at all. I escalated to nodal officer too. I asked if I have any toll free number to call them to close my account. They told I have to mail. I got really frustrated with this service. These people are looting people’s time and money. Never use credit cards. You use 3000 and pay 7000 including charges. So please stay away from these frauds.