This card a good feature but as it is partnered with SBI the customer service is pathetic. Making a payment to this card is a big headache and due to this reason they are using late payment for revenue generation. I faced following issues
They do not have enough drop boxes.
Drop boxes are located inside the SBI branches. So you can drop cheque only in working hours. (very difficult for me)
CSR gave me location for a drop box but it was not there. I called them back and they told that we do not have drop box there who told you?
Dropped 2 cheques in other drop box never reached to them. I had to make a stop payment for these high value cheques.
They do not have drop boxes at their TATA companies itself
Do not go for this card until and unless you feel it is giving good benefit and you are ready to take these pains