ICICI Platinum Chip Credit Card

What do you wish to know
What do you wish to know?
Now I'm hesitant to apply for a new credit card because some bank employees have misled me before. They claimed the card was lifetime free, but after doing some research, I found out it had joining and annual fees. Other banks have also told me their cards are lifetime free, but when I tried to use certain services, I was asked to pay a plan-based amount.

This experience has made me cautious, and that's why I'm asking so many questions.
 
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