I have been using hdfc credit for 2 years I liked it the most because they are no restrictions like any other bank.the best thing about this bank is customer service the hdfc staff will care the customers very nice.they dont irritate like other banks sbi, iob, ubi.the transactions on online is very fasy than any other bank.they are less chances for fail transactions.hdfc bank and atm is situated in almost every city.the bad thing about this is we cannot deposit amount in any other place so we have to deposit only in account opened branch.the registration of net banking is very fast because they will provide customer id for every account holder and just we have register for pin.the charges of hdfc bank is little bit higher.they will provide some extra features like smart emi which is very useful.the vertified by visa registration is very simple and secured.they ask to change the netbanking pin for 2-3 months which irritating because we have to remember new pin.almost it is a best bank.