I am using hdfc bank money back credit card from last two years. I am happy with it. Whenever I need to buy mobile or other electronics I pay with credit card and I choose installments option which is very convenient. Because sometimea I do not have money then also I can buy with credit card with installments .i need to pay 13 to 15 percent extra with original bill payment.its not big problem.You can use credit for any kind online shopping, can pay all kind of bills.If you use this credit card for filling petrol in your car or bike, then it automatically activate accident death insurance which will pay 10lakh india rupees if you die in accident. You also get reward points whenever you use credit card after collect reward points you can redeem them by using internet banking , bank will give money for your reward points. Thatswhy this credit card name hdfc money back credit card.Last year hdfc bank deducted 850rupees approximate , for one year charges of this credit card.We can also enable international usage of this credit card .