Its a very general sort of a card which provides very general features of a credit card and just give us short credit limit a very conservative credit limit based on the salary or the returns which you might have shown.
So they gave me this card with a limit of 40, 000 which was a very low limit though I myself was working with hdfc.
On the benefits, there are not many but a very few like:
5-10% on shopping
pay back points.
I guess these are the major 2 features which the card had when I had got it. It might have evolved now on the features part but I don’t think it might have evolved a lot.
So here I dont find much worth to go for an HDFC card with annual charges, rather I have been using my icici card which gives me more features, regular cashbacks, good payback points amd also offers four movie tickets free in a month worth rs.250 each which is like rs.1000 per month.
So in a year it works out to rs.12000 rupees in a year.
I guess its worth a card to hold.
Along with that I think now
Citi bank and SBI card also gives good offers.
Plz share your experiences on the comment section to discuss more.