While i like the feature list as some of you highlighted, there seem to be a lot of "if's and &'s " that are confusing in the charges and fees section

Especially the fuel surcarge bit
"Maximum surcharge waiver of Rs. 250 per statement "....

Which basically means you cant fill more than 11K worth of fuel per statement date without incurring a 2.5% surcharge

There are other similar charges on the IRTC website etc...

Also do we know, whats with the Visa Lounge access program, is it limited to 2 free visits a quarter or any other number...

However full marks to the card for the earning potential

Karan