May 28, 2017 07:48 PM
10353 Views
I have been using this card for 3 years now. Reason I used this card was due to no other option when I came to India and not having other cards.
I have been paying the dues on time which was an issue. When I missed the payment for few days, these guys ripped me off by charging 2000. They look for an opportunity to take you for a ride.
Best is to apply for SBI or HDFC which is much better. They don't want you to pay your dues on time, if you pay they can't make money.
Their rewards plan is aweful as well, You spend lakhs over the years and they give you some peanuts.
Customer service is pretty bad, I called couple of times to waive part of the charges since I missed my payment by few days only, which they didn't listen.
I called up and cancelled the card and switched to HDFC. SBI card is my goal which I heard lot of good stories about it.