Never opt for HDFC Credit Card:
If by any means you will forget your credit card payment, they will call like anything, using very bad language. First they will give you card without opting.
I was using their card since last 3 years, but once I forgot to make payment, as I was out of city.
They will charge you for late payment (which is very high) they will call you stating that you are in debt, and command as they are so superior that they have given you money and you r a person not paying their payment.
As per my suggestion never ever take card from this bank