Hi friend this is tushar patel today I want shar to you abour hdfc credit card. feiend I have saving account in hdfc bank since 2001. eveymonth I got a call frome call center or bank for taking credit card . more than 3 to 4 time I told them I dont need credit card , but again and again call me and told me we give you free no joining fee or anual fee. so I took pletimum credit card finally, but after one month I shock because they took hiden charges which they never told me, they deceive with me.