I have been using the Credit Card since last 2 years and below review has been based on the same experience.
( 1) Customer Service( 10/10) :
I have got the card as I have Salary account with HDFC and hence the Customer care executives have been always prompt to address my issues or concerns. Full marks to the Customer Service as all my issues have been resolved within max 2 days whenever had raised it.
( 2) Rates and Charges( 9/10) :
I have got the Card as Lifetime free card, so I am pretty happy using it as I don’t pay any charges whatsoever for using it. Apart from that, there are also options to withdraw money in case of emergency but I have not used that feature yet. Though I have read that the charges for that is also competitive compared to the rival cards.
( 3) Features( 7/10) :
Being a Moneyback card, I do get 2 Reward points for every Rs.150 being spent which is pretty good. Apart from that, the fuel surcharge is also waived off if the spending is minimum Rs.400.
( 4) Satisfaction ( 8/10) :
The credit card is pretty basic and performs well in comparison to the other cards available in market. Hence, I am satisfied with using the card.
Improvements/Suggestions:
- They should include Cashback for Fuel spends so that it can be more useful for the customers.
- While redeeming the Points back to your card account as money, they charge Rs.99 which is pretty high and very frustrating as it does take some time to accumulate them.
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