It was average service offered from HDFC Bank in case of credit card.I am planning to cancel the card since the usage is very less with this particular card.I make sure to spend the minimum amount which have to spend for waiving off the annual fee so I have not got experience on that. I dint see any hiccups with them and the interest rate is around 13% as penalty, which I consider as huge. There are some restriction with EMI conversion policies. Its basically a platinum card with HDFC Bank.