Google and find out what they offer. What they offer looks very good. Then google "Complaints about Sterling Holidays" and take your own decision. My experience - the sales person, working and in gloves with back office, somehow manages to take your credit card into his hands. On the pretext of trying to find out whether your card will be ellegible for membership or not, this sales person will read out the 16 digit number to his colleague. With this much of information, they are able to take out money from your bank. My Bank was HDFC. Because my phone was in my hands, I got the immediate message of a debit, so I could catch him on the spot. Most people get fooled (I read many complaints on the net) and then they end up paying instalments after instalments in the fear that they will lose out their invested money and keep getting into deeper problems. I took immediate measures, blocking the card, going to the police station etc. Their whole office arrived at the police station. The story took a very different turn after a while. I guess there was some other story running parallel, but I could manage to get my money back. But the same modus operandi has been committed by the same person again and again, this is what I gathered from many sad stories from net.