A card that entitles the holder to a revolving line of credit, which is determined by the users income. The days of credit one gets could range from 20 – 50 days calculated from the day of billing and not from date of purchase. You can chose to pay your entire dues at one go, or stagger them after paying the minimum amount due every month. Besides this, it entitles the member to plethora of benefits like travel discounts, discount on retail loans.