I am using HDFC credit card from last 5 years. In thw beginning they were quit good. But once I delayed to make the payment first time and without and call and confirmation they send field execustive at my home for the recovery. Customer support as always not responding . They always says that pleae be on line we will revert back to you. But never got any call from them. They are putting high ROI. So I am totally disappointed from HDFC bank.