Hi. I am Vithur and I maintain a HDFC Bank Credit Card. I have been using the card for the past 2 years, a nd have found it to be good, in the sense that you cannot escape your payments, but atleast, you can avail a lot of benefits being given to your credit card, from time to time. They give you a lot of offers like cash loan, outstanding transfers, free cards etc etc . recently, I used the card for some purchases, and they gifted me with a Silver Lamp as a prize. Previously, they had also given me a silver coin as a gift. Overall, I am Ok with the card, and feel that its good to use it, with no hassles. The Bank is a good bank, and hence, they are quite adept to customer service issues. Their customer service is good enough, and is a perfect banking relationship to cherisha nd nurture with