I would really suggest to get one if you do not have any credit card, though its not like credit card but one can buy stuffs in emi. Electonics items like mobile, tv, washing machines, refreegirators etc and be brought from registered outlets and nowadays I the EMI option has also introdused on major online shopping website like flipkart, amazon and snapdeal.com giving wide range of products to buy in EMI. The comoany also provides loan for various pupose like personal, business, vehical, home etc. It good to have a relationship with.
