I am Shibu I got an HDFC Platinum Credit card recently since the sales person assured that I will get a lifetime free credit card and there by no annual fee.But when I received the card I just called customer care and they mentioned that this card is not lifetime free card and there will be an annual fee of Rs 400 for this card.I am going to cancel this card now.HDFC guys are cheating other please never apply for HDFC credit card. read full review »