I am a customer of HDFC CC since last 5 years, very good asset if u pay your dues regularly and on time. I had urgent requirement of money, opted for Cash on Call facility, amount got credited to my HDFC Bank account in 2 days.
Mine is lifetime free, no offers but its ok since no annual charges and m getting credit days. But for any CC, pl pay bills on time and u will never be unhappy. Payment convenience is excellent as I have linked it to my hdfc bank account.. no worries, no trouble.