I have been using this card for last 6 months and my experience is not good.
I was told that charges for this card is very low in the industry but what I am getting per month in my bill is heavy finance charges. Customer service is not upto the mark and neither they are having any offers like other banks.
To maintain my cibil score I am repaying what I have taken but still this is not recommended for online shoppers. If you convert your purchase into emi then u have to pay processing fees which is almost waived by other banks.
