Believe me take this card, its really a brand, which is called TATA.
I am using this from last two years & never faced any problem.
I always pay my bill online & I do not think any card, which is giving such benefits which you got in this card. Even some times they reverse there yearly fee, without calling to call centre.
For every single hundred, you are getting a 1 ruppee & at all grocery store 3 INR per 100.
Its like whenever I do shopping, a item of my household comes gree;)
I have tried citi cash back card also but they dont do, what they says like TATA.