I am using money back credit card from hdfc since 5 months . I got this card easily within 7 months of opening account. I really needed a card like this. The best part of this card for which I liked the best are this is life time free card. I also get reward points which I can easily convert into cash . It is providing 50 days of interest free credit. Customer service is also too much better . When ever I am buying any big amount they are asking to convert that into emi. And the best part is that apart from such fascilities they are not charging anything. From me. The service is absolutly free.