Haven't got the card yet, but got an email saying the card application has been approved and the card will be delivered in next 10 working days.

---------------------------------------------------------------------------

Since everyone keeps talking about CitiPM, here are my two cents. I like my CitiPM card. The black plastic is good looking and customer service has been better than most other banks (mostly because others set a low benchmark). But the reward points to spend ratio, 4 miles per 100 rupees, is on the lower side and the redemption option for Jet - only decent way left to travel in the country - tickets is too high.

Compare that to 7 miles per 100 on Jet Airways Sapphiro American Express Card (9 if spend is international) and I can tolerate the embarrassment of carrying a blue card with clouds on it.