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I have been using HDFC credit card since a long while now...and yes..it comes free, devoid of any service charges.
I do not like ICICI Bank as it is known to debit lot many unknown hidden charges in the customer account...directly!
Depends on your users and bank offers . I am not using any cc right now because one my friend father have already faced one scam . They received long bill without shopping and asked bank for details on it . When they told them for FIR then they offered settlement deal in which they offered good discount on that bill . But my friend dad didn't paid that too because it was not spend by him and now he is listed in bad credit users detail .
There are categories of the cards, the charges and facilities are depend on that, for platinum card many schemes, discounts and offers are available being a premium card.
There is no such thing as a good credit card - they are all traps. Your paying interest on your own money.
If you want something, save up the money and pay cash for it. It would be the same thing as using a credit card, but without the monthly payments and without the interest.
Credit cards a quick way to drive yourself into debt. They are not worth it.
Actually it is useful, when you do not want to carry cash and at the time to make the payment excess of your money in Pocket.
Also if you pay their bill in stipulated amount, they are not going to charge any thing extra, only bad thing is if you do not control your spending or excess use of it, can drive you to debt.
I have CITI BANK visa card.