Hi Guys, I am using HDFC credit card from past 2.5 years this is good for using any peoples, because of these peoples are provding lot offers and lot of benefits, for familier peoples this card is good for using any shopping. compare to all credit cards this is the best card in market some times citibank also providing, and lot of times and lot of offers I saw in this card only .after one year these peoples are providing loan also while your card payments this is also good for us.