Well, all I can say is that the page 'Terms & Condition and FAQs' must be viewed before making any decision. Mostly these sorts of things aren't mentioned clearly, which can be viewed in the above-stated pages. Also always try to make some research by searing the internet, reading relevant blogs and the expert's opinions before making any such decisions. Do not play blindly.
Hah! You need to see a T&C from a bank to realize how that sector has always been out to cheat customers deliberately. So many hidden deals that easily rope customers in without the customers knowing it until when a legal suit ensures and you, as a customer, get to find how helpless such a situation is for you. I encountered it myself a few years ago.
There are so many people in the world who lie a little later. So they can't succeed in any task at any time.
The irrelevance of your response to the OP is highly conspicuous. It's nothing else than spamming.