I called the HDFC bank credit card section for applying for a Diners club black credit card. The response was amazing. They really got into action and called me and fixed up an appointment with their executive. When he could not turn up, they called me to inform that.
The executive was on time followed up by a call from their call center. The whole process was smooth and they are very helpful.
They also waived the first year fee of Rs.10, 000 using One Assist program and I have to pay Rs 3900 in 3 instalments. Thats a great deal!
Compare this with Citibank credit card division which refused to give me a "Prestige card" even after me asking for it. They were stating rules for it that I have to earn more than Rs 25 lakh. The purpose of me asking this is to assist me in my international travels by allowing access to lounges. But unfortunately, Citibank never thinks. They do not understand that people in the category of earning 10 - 25 lakh are the most travelling group in IT industry. Above 25 lakh are all senior executives who travel less.
Hence, guys don’t apply for any credit card with Citibank who are unhelpful and unintelligent.