Money back credit card is hdfc credit card because every 100 $ spend on gain return form of reward points and these reward points cutless your bill payments. Petrol pump on fill petrol across all petrol pump fess waiver. Departmental stores- big bazaar, Vishal mega mart, whole sale etc. On spend every rupees return back through reward points. Welcome voucher initial under months gain. Spend 75000 money a year then get fees waiver for yearly charge of credit card. Free memberships of lodge, party, clubs etc. Hdfc credit card limits are very good.