Never Ever take cerdit cards by their attractive " free"insurence offers. They won;t work and they won’t allow to claim.They may drop of at any time. For example: ICICI droped insurence oncards( including gold credit cards recently .)
Never go for "FREE" Credit cards with out written instructions frombank. Mean you will get call from tele marketer saying " wonder fullcard with no subscription charges." but if you see after gettingcatd. they will say " first year ONLY free . From next yearsubscription charges will be ther:) "
Ask them ( bank) send written letter confirming that it is"life time" free card.( I DID with HSBC and ICICI)
Any question ask at big2all@gmail.com
FREE means something will be there . like in active charges:) imean if you din;t use u r card with in 3 months . you will get 250rs as fine:)