Utilize the input text as a context reference, choose the right relationship between HDFC Bank and credit card from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

The bank plans to bring down the credit card approval process to three days from 15 July, said an HDFC Bank spokesperson.

Answer: product_or_material_produced