I have a credit card of H.S.B.C. Bank, i just got it last month & using it. But when i called the cust care to know that whether my bill is generated or not, they assured me that u soon gonna get the bill at ur billing address, they also took my e-mail address to forward me the soft copy of the bill. But till date i haven't received my bill yet. I am also having credit cards of different banks & I know that for the first bill u need call for ur bill, but H.SB.C credit card division is very forward in giving bills to the customer, I also planning to open an account in the same bank, but the kind of service they r providing to the customers, no ones gonna do that.