I Had issues with my paypal with vcc from hdfc in the past . I tried to use my HDFC VISA debit card but i was unable to add it and later i used vcc and account got screw then limited for 6 months and then i closed the account. After almost a year i made a new paypal account and this time i Tried adding my HDFC Platinium Debit Card (Mastercard) From HDFC and this time it worked.Platinum card charged around 500rs/year and its free for first month so i think people having issues with hdfc debit card with paypal can use this method if they can't get a credit card. I hope it helps someone who were having issues with hdfc in past. Thanks.