Many people got their policies when they are much older, hence high premiums. Some have older parents etc, their premium will easily touch atleast 50K without much cover also. Some people pay 2 or 3 year in one shot to lock in the premium as well.
some people have reported the cc option goes away for them, for some it is there. I dont use it. should it be fine? in theory yes. you will need to try
it has restriction of 30K pm and is a little random. you could combine that + maximize.
currently I just do : gyftr + woohoo + whatever extra needed from apay and that covers most of my needs. otherwise go to maximize.
faced a weird issue in imobile app, where it was showing me someone else's statement. I couldnt take a screenshot, has anyone faced this? not able to see that now.