I am using this card from last 2years and I am very happy with the service and discounts received by hdfc. There are so many discounts coming on my card and also received heavy discounts and reward points on selected products with wide variety of products not as others are doing. Service is nice and card comes with chip so security is also well maintained. Hdfc also offers some nice packages as personal loan offering and time to timeupdation of information . I would prefer as I am very happy with this credit card.