I hope this review is helpful for all, 2015 I join hdfc life company, they told open hdfc account then only we can proceed your salary, he told its manadated, that time one hdfc bank staff come and collect account opening form and dicuments but he never told me about credit card he just say sign here and given to me, but after that I recieve the card by postal, I just use three or four times but after that their intrest was redicullous, and they never give any information about this card, now also every month im paying the amount, so dont take this, its useful but the same time its waste