If you just want a credit card this is a good one, but where HDFC cheats is the Points you spend~ 3 lac Rs in a year on this card and you get~ 1500 points and you won’t believe those points are not even worth 50 Rs. HDFC earns 2 % on every transaction but never returns even 0.002 % to customer.
I felt I wasted my time collecting points which fetch 200 Rs worth of Pizza Hut voucher for which you have to Pay HDFC 75 Rs and this coupon is almost free at freecharge.in.
There were no other issues with this card.