Of all the banks that I have transacted with (ICICI, Lloyds TSB, HSBC , HDFC), HDFC's service is the most pathetic.
Some major grouses
1. Disallows free money transfer from one account to another - even if the other account is HDFC.
2. No temporary disablement of debit card, in case it's lost. I mean, when the wallet is lost, you may find it somewhere within a couple of days. You don't need to order for a new debit card - just have the old one unblocked. But HDFC doesn't have that facility. You have to permanently kill the debit card and then order a new one - it costs you Rs. 100.
3. Since the last 6 months or so, there is HDFC ATM sign at Kandivli (East), Thakur House, Ashok Nagar. But guess what! No ATM. There is always some work going on and have gone searching for the ATM there. In vain.
Complained twice to HDFC Customer Service. Absolute zero response.
4. Least number of ATMs amongst the leading banks. It was funny. In Accenture, we had a salary account with HDFC and the ATM within the main campus was ... ICICI.