The biggest problem with HDFC Bank is they just debit the charges without any warning or intimation. When customer discovers these debits, it has to run from pillar to post.
Mostly used answer is "visit your home branch", Why home branch? what is specific at home branch? but they just insist on go to home branch.
------- Edited on 2016-05-09 -------
Very good bank compare to all private bank. Quick service, very co-operative staff.