In today’s world where services are the main concern I will rate HDFC Bank Credit Cards 1/10 if I compare the same with other credit cards like Citibank, HSBC and ICICI currently I am using.
I used the same company credit card for around 2 years and finally get it closed in the month of Feb’05.
Routine Statements
HDFC generally don’t believe in sending regular statements to you. Other banks also stop sending statements if you don’t have any purchases etc that month but HDFC never sends you a monthly statement.
Phone Banking
Every company provides phone-banking facility. Other bank cards – you can dial number and by punching some numbers you can hear to your transaction on phone by computer. HDFC Cards – Just dial the number and wait for the operator generally it will take your 3-4 minutes to talk to a executive.
Online Statements
Other Bank – You can view and settle your statements online and can also track your billed and unbilled transactions.
HDFC – online credit cards statements not available. Only way is to call phone banking and waste time
Reward Points
Other Banks - no comments. Only I want to say you will get any product/ scheme as promised by bank.
HDFC – giving you double points as compared to other banks. You can view online reward redemption catalogue on HDFC bank site but you will never get that product. Two times I tried the same but every time I received the same letter from bank stating that the current item is not in stock. 2nd time I also get debited (transaction charges) for the product, which I supposed to get against my points but I never received the product after calling the customer care I managed to reverse that entry.
Net 2 card
HDFC also offered Net 2 card service , which is really very good but when I got my new card after expiry of old one it stopped working, even after many many mails and talking to customer care executive problem not solved and I am not been able to create any virtual card for online shopping.
In last I will suggest that if any one interested in taking a credit card just look for another good companies. The only product HDFC offer very aggressively is to insist you on taking a loan on phone.
Thanks & Regards