I am using hdfc credit card from last 2 years. I like having it. Its like my financial buddy. What I like about this app is its interface and usefullness. Shop/recharge etc can be done in one click. The customer support is also very good and they keep reminding you to pay the bills on time. It is one of the best private banks. You wont findy many atms thats what I dont like about this bank.