When I open my account in state bank of India then I firstly file a request to make a credit card that is master card because I am a shareholder so that I want a master card for carrying the roller rupees which automatically convert into rupees that is why I want to issue a master card. The best thing of that it never block and if want to verify me then it sent me one time password which makes a safe banking.
So my 2 year experience with my personal opinion that must use this service because whenever I want to receive and roller then I don’t need to convert manually it converted automatically.