The card was given forcefully and told that there are yearly charges but will be reversed if you use it regularly.
They forced to take some services which will screw everything in your life. They gave a scheme in which you have to pay yearly around 4k and get 4 benefits related to health check+ specific dining around India 10 to 15% discounts+ some insurance of Tata AIG+ travel voucher which have so many conditions that you die to achieve happiness out of it.
Cancellation of any services took me happiness as the process is so complicated that you have send the received in all to some mailing address and then you get a response that it still not received and then some doc is missing, etc.
You will get reversal of only 75% so I was supposed to get 3k which is still not received.
They will send 3 statement each month which is so complicated to read and make payment.
Late charges are so prominent.
Till date I havent swiped the card but still I am ending up with a loss of 1700 INR with a mobile bill of 200 INR.
The customer care is a paid service+ you will have to wait for long time.
Their verification process and their norms of reversal+ any services is very pathetic and you will get fed up to get out of it.