If you have servicable address in one among the metro cities or prime cities like HYD, AMD, BLR -- Still a value deal. In your permanent address you can choose any, but Card delivery address should be the prime city.
At times cashkaro throws cashback and that will offset joining fee. I was lucky to grab 2200 throgh CK, and that has offset my joining and annual renewal fee.
Amongst all other CC running, this is steal deal. With HSBC LiVE plus, chargeable no fear of devaluation unlike the LTF's at hand.