Using this card for the past 3 years. Recently they have charged almost Rs.2200/- annual renwal fee for two cards.. Taken up with them and sent one simple email informing that now a days almost all the banks giving the card free of cost including yearly fees either waive off the fee or take back the card.I was surprised that received reply from them within 24 hours asking me not to surrender the card and we will waive off the yearly card fee in the next statement. They have waived off the same and reversed in the next statement. Usually we will see this kind of service only from private banks and multinatational banks. Secondly their back office service is really good. They will monietor card very closely. They will call regularly from Delhi about the service level, reminder for the high payement if the cheque not received by them on due date.