I am a credit card holder of hdfc bank, I am using it since 5 months, I made so many transactions using it on shopping and recharges but when it came to bill I have so much of disatisfaction with the services offered by hdfc bank, they used to charge me unnessesarily, sometime they charge me 171 service tax per months plus 545/- per month financial charges, and theh even deduct 17 to 18 Rs automatically when I talk to my phone banker they say it happens like this only. They even debited the charge of card for first year customer too as when I got my hdfc credit card they told me.that the card charges are not applicable for first year credit card customers.
Do not use it people.i have seen the bad consequences of this card.