I am using ICICI Platinum Credit Card (Instant Credit Card) last 2 Years. Now i am planning to take a Credit card From HDFC. I contact them and they told they will give Platinum Plus Credit Card . (http://www.hdfcbank.com/personal/credit_card/credit-card?id=gts8miq7) ICICI card have no additional fee if we pay bills on given date. Is this card have any additional fees. In the card details page it shows - Enjoy the Revolving Credit facility on your Platinum Plus Credit Card at an interest rate of 3.15% per month. What is this????. Can i pay 3.15% as interest on every bill circle i spend from this card?? Platinum Plus