---------------------------------------------------------------------------
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.
Blame it on being a MasterCard/visa and hence only being able to charge 1.5 to 2 percent fee per transaction, which again needs to be split with master/visa and another bank. Whereas Amex charges 3.5 to 4 percent per transaction, biggest reason why most merchants don't accept Amex.
That fee is where all the reward points are funded from.