I am regretting every single minute that I took a credit card from HDFC bank. I have been paying them every month still the amount is not reducing. The credit limit is 40000 INR which is not very high. The customer care is also very rude. I spoke with a guy named Dilip today from Bangalore branch and he yelled at me and was very rude. Please do not create any account in this bank nor take any kind of loan. My Uncle took education loan for his son from HDFC and his interest rate was so high that he took a loan from union bank of the same amount just to finish paying this interest amount of HDFC. He warns everyone about this bank just the way I am doing it. Please prefer a govt. bank(actually any other bank) over HDFC. There guys are not here to help us, they are just some money scking leeches and they will sck our money until we get bankrupt.