I am using this card from past 4 years but I am not happy with their services at all. My card is expired on 03/18 but I am not interested to renew my card because of the high rate of interest. Overcharge really fed up with HDFC credit card ( Times card) , till now I paid more than 50 thousand rupees because of the Over limit amount, late fee, Interest, GST and service charges. When I purchased this card they told me its lifetime is free but they charging now 500 rupees every year. Request all of you to avoid this HDFC credit card.