RE: HDFC Credit Card - my experience and some exciting offer for you, BUT......
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The benefits you highlighted, like the movie ticket discounts and airport lounge access, seem enticing, but as you pointed out, careful management of expenditures is necessary to truly benefit from these offers.
How do you evaluate and compare different credit card offers before making a decision?
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Based on what I need, and which cards give most offers. For example, HDFC has several types of cards, but then I choose this one because of movie tickets and airport lounge access. If one wants to use for fuel, then he should go for a specific card that does not charge fuel surcharge.
Good idea!