My experience with HDFC card has been good so far.
I had applied for a GOLD card, but they sent me a TITANIUM card(thats okay).
If there are any grudges, it would be the time that they took to deliver me the card, after I applied.
My verifications were done long back, but then they still took almost 2 months to finally approve my application and give the card to me.
Overall, I am still happy to have it and the reason for which is their customer services! They are promt when you have any queries and reaching them is not a problem(unlike others where you have to wait for your chance). Their 5x offer really stands apart coz other credit cards companies are nowhere close, keeping in mind the new year bash!
so from my side - its a thums up!