My first credit card since 2010. Had a titanium at that time. Currently holding a HDFC REGALIA. So far good experience, good reward program and complimentary priority pass membership. No fake billings. Time to time great offers on shopping and travel make it worthwhile.
Never defaulted on payment in past five years so keep on getting special offers like payment free holiday. Customer care have also been prompt and helpful to me. Overall, I am happy with it till date.