I am using this for my personal purpose and I must say it really helpful for the shopping , emi and other stuffs , they have their app and website very well maintained and easy to operate I did lot of transactions from their and no doubt I do it all successfully , I recently got their debit card and for no sure and I have many HDFC ATM.available In my area which helps me alot and recently I had a problem with the app and I call their customer service guy and he guided me to solve that within minutes .I must they are very genuine to their customer . I also use their website which also very informative for the customer
