It’s a great card I have used when I applied for it gave me higher credit limit that is 30000 than other credit cards I had got it so.Also it gave emi offer for more than 5000 transaction with at very lower interest rates which had foreclosing option for saving interest.it is easily available everywhere for any sales offer at outlet everywhere.it has so many branches so I can pay my bill through branch as well.it has got maximum good offers other than other cards.i think card should provide Hdfc app to for customer who are not having Hdfc saving account