This credit card is good but there are some negative points.
1) if you purchase any product on emi then you have to pay GST( government service tax) on each emi. No other card is charging like this.
2) Reward points are very less valuable and you cannot use these point everywhere.there are very less option to redeem them.
3) No matter how honestly you are using it, No matter you are paying outstanding on time.they do not consider you as valuable customer and there is no chance of limit increment.