So i do own SBM card as of now which kind of works . Currently it gives international lounge access and Zero forex charge , past month one friend travelled out country he did get the free lounge access but there is a catch where we try to pay merchant outside the exchange rate they provide was not the immediate day's but they process for some 48 hrs and they reflect on our account . it kinda is sus card as well Bc i hope everyone would know about SBM bank's past issue . it's not clear to the bank that it changes their rules and all frequently . they offer credit card , the limit of your FD . Customer support is not very resolution centric rather they are more of a ideal . Soon i'm gonna shut the card as its not beneficiary .