I would like to share my own real experience with HDFC bank credit card. I am using this card since 3 years and I do not have any problem with that.
Actually, my parent advised me not to take credit card as it is very risky as they gave me limit of 1 lakh, but eventually I realized that it is actually very good thing to use. It is actually fun if you know where to use and how to use.
First of all it will increase your social credibility. moreover, it will help you in month end whenever you are running short of cash. and on top of that you will enjoy 50 days free credit.