I am using my HDFC Titanium Edge Credit card for the past 3 years. I think one of good jobs I have done, is by applying for this card. One time I paid dues, one week late, but the bank didnt charge anything for that after requesting from customer.
Also I got good health insurance card via this card. Annual charges also reverted back, based on the purchase. Finally excellent customer care service.
Kudos to HDFC Credit Card! This will be the one of the great card I ever scene.