Fit Pro with Eterna is the good one being offered withe cards, but acceptance remains a big issue.
In tier 2 cities most gym owners will generally refuse to honor.
In Tier-1 cities, and there also primarily in posh areas they generally accept but the Gym people give u a second class citizen feeling.
Instructors will avoid giving u advice and keep them busy with other people even if they are not busy indeed.
Further they insist on subscribing to their PT classes or monthly subscriptions also at reduced rates.