I have couple of cards in which I mostly use HDFC one. Its been more than 3 years I am using this card. Being a private bank the services are great.You can call customer service 24x7. Even the bank’s employee are very helpful and co-operative. Emi option are flexible and available all the time even preclosure facility is also available.They have reward points of your uses which we can redeem.sometimes they have an offer to use your card and pay after 3 months.I think they need to work on Credit Limit Enhancement.I think it is bit slow. But still I am happy with this bank.