I have this card and I don't think I have used it in last 6 months...one of the worst cards they have... Neo card is better and was offered LTF as well...sometimes we get specific offers on that. And never knew it was also offered against fixed deposit. I thought it was given only unsecured.Today I've received axis bank myzone visa credit card for lifetime free against my fix deposit of Rs. 18750 and I've received 80% limit of it is 15k . This is good card use it and have good benifits? Also I own rupicard and zet magnet card .