I’m using this card since last 1.5 year. Earlier it was lifetime free but now a days they charge 500 /-as annual charge.I can easily convert my reward points in cash.Smart Emi option is available I love this card because of their simple and smart feature. Last month I got a email from hdfc they wanted to upgrade my card as well as limit in dinners club I simply denied. I am getting all benefits in money back what I need in daily life. One thing is embarrassing it’s color light blue that seems to be cheap. Being in credit card department I realized this is most popular card of hdfc in India.
Thanks HDFC for such a suitable