I have a HDFC Credit Card and it proves to be very beneficial at times. Credit Card always needs to be used with utmost care, you need to be a good fund manager to use a credit card else it may be a bad asset for you. I have a decent credit limit of 1.5 lakh given by the bank along with a credit period of 45 days.
Apart from this it has many offers along with the card, it has the Rewards Points Scheme for each of your spends, it has various offers along various partner entities like Book My Show, restaurant offers where I get discounts on food and beverages.
Moreover, the best part here is all this comes for just a joining fee of 500Rs and the Annual Fee of 500Rs which is being waived off if you spend 1, 50, 000 Rs on the card in the entire year. It is just a great option in the modern world instead of cash which may at times be risky to carry.