Hi, I am using HDFC bank CC for more than one year and feeling happy about it. Its really good credit card accepted almost every shop at mumbai. The only problem I found iis regarding Annual Fees. I have taken this card on Life time free basis. But suddenly one month they charged me 750/- bugs as Annual Fee. So called up at there Customer Service and asked them to revert the fees. They said that you just deduct the amount for the fees from your total bill and pay the outstanding amount. I gaiain queried that If I do so then it should not reflect to my next bill. They promised me that and I paid the outstanding. The next bill came with no outstanding from the previous month.
Its good to tell you that they kept there promise.
Other thing I found which is I am considaring as Cons that is HDFC Bank Cash advances fees are quite high as compaired to the SBI credit card. SBI is charging 75/ if you withdraw 1000/- from there ATM through CC while HDFC and even ICICI bank are charging Rs 350/ for 1000/-
But still I recommend this product for its high acceptance, good customer servise and great reward points programme.