HDFC bank visa credit card is most wounderful card it isvery useful cards for us. when iam going to shopping so I can't have enf cash then I am use my credit cards . I am use my credit card in shopping , pay bills , for buying product ect. so it can save our more time. when we like any thing in market it is costly we are not able to give price to showroom so we can use credit card . credit cards give most benifit in our life