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Issue Resolved Big win against HDFC Bank. Got 50K compensation against RBIO complaint.

The highlighted issue has been resolved by the bank/financial institution.

Avatar Aang

TF Ace
In March 2025, I applied for the Regalia Forex Card and opted for a non-personalised card. Immediately after submitting my application, I received a message instructing me to collect the card from the nearest HDFC branch. I visited the branch, collected the Forex Kit, and activated it as per the instructions received via email.
However, after activation, I discovered that the card inside the kit had already expired in 2024. The next day, I received an SMS stating that the forex card could not be loaded, followed by a message informing me that the application had been declined and the transaction had been reversed by HDFC.
Following this incident, I applied again for the same Forex Card. This time, when I collected the kit, I noticed that it clearly mentioned the card's expiry date on the packaging. Interestingly, the earlier kit I had received did not display any expiry date. This indicated that the issue was not due to human error but a system failure on HDFC’s part.
I reported the issue to customer care and requested compensation of ₹10,000. The matter was forwarded to the BM, who later contacted me and explained that since there was no financial loss, compensation could not be offered. However, the BM did provide a written apology. I then escalated the matter to the PNO, but did not receive any response.
Subsequently, I filed a complaint with the RBIO, requesting compensation of ₹20,000. In response, I received another email from the BM stating that corrective measures had been implemented to avoid such incidents in the future, but compensation would still not be provided. At this point, and after reading some user experiences on TF, I assumed the matter was closed and no compensation would be awarded.
To my surprise, today I received an SMS stating that ₹50,000 had been credited to my account. Upon checking the transaction details, I found it was related to my RBIO complaint.

RBIO truly made my day! 🙂



 
In March 2025, I applied for the Regalia Forex Card and opted for a non-personalised card. Immediately after submitting my application, I received a message instructing me to collect the card from the nearest HDFC branch. I visited the branch, collected the Forex Kit, and activated it as per the instructions received via email.
However, after activation, I discovered that the card inside the kit had already expired in 2024. The next day, I received an SMS stating that the forex card could not be loaded, followed by a message informing me that the application had been declined and the transaction had been reversed by HDFC.
Following this incident, I applied again for the same Forex Card. This time, when I collected the kit, I noticed that it clearly mentioned the card's expiry date on the packaging. Interestingly, the earlier kit I had received did not display any expiry date. This indicated that the issue was not due to human error but a system failure on HDFC’s part.
I reported the issue to customer care and requested compensation of ₹10,000. The matter was forwarded to the BM, who later contacted me and explained that since there was no financial loss, compensation could not be offered. However, the BM did provide a written apology. I then escalated the matter to the PNO, but did not receive any response.
Subsequently, I filed a complaint with the RBIO, requesting compensation of ₹20,000. In response, I received another email from the BM stating that corrective measures had been implemented to avoid such incidents in the future, but compensation would still not be provided. At this point, and after reading some user experiences on TF, I assumed the matter was closed and no compensation would be awarded.
To my surprise, today I received an SMS stating that ₹50,000 had been credited to my account. Upon checking the transaction details, I found it was related to my RBIO complaint.

RBIO truly made my day! 🙂
Total time taken from RBIO Complaint to solution!!
Have you checked status online previously?
 
There are 2 columns for compensation in CMS website one for compensation against the complaint and other is mental harassment one so what you fill in both and which BO region your belongs
 
In March 2025, I applied for the Regalia Forex Card and opted for a non-personalised card. Immediately after submitting my application, I received a message instructing me to collect the card from the nearest HDFC branch. I visited the branch, collected the Forex Kit, and activated it as per the instructions received via email.
However, after activation, I discovered that the card inside the kit had already expired in 2024. The next day, I received an SMS stating that the forex card could not be loaded, followed by a message informing me that the application had been declined and the transaction had been reversed by HDFC.
Following this incident, I applied again for the same Forex Card. This time, when I collected the kit, I noticed that it clearly mentioned the card's expiry date on the packaging. Interestingly, the earlier kit I had received did not display any expiry date. This indicated that the issue was not due to human error but a system failure on HDFC’s part.
I reported the issue to customer care and requested compensation of ₹10,000. The matter was forwarded to the BM, who later contacted me and explained that since there was no financial loss, compensation could not be offered. However, the BM did provide a written apology. I then escalated the matter to the PNO, but did not receive any response.
Subsequently, I filed a complaint with the RBIO, requesting compensation of ₹20,000. In response, I received another email from the BM stating that corrective measures had been implemented to avoid such incidents in the future, but compensation would still not be provided. At this point, and after reading some user experiences on TF, I assumed the matter was closed and no compensation would be awarded.
To my surprise, today I received an SMS stating that ₹50,000 had been credited to my account. Upon checking the transaction details, I found it was related to my RBIO complaint.

RBIO truly made my day! 🙂



Can you share the closure mail from RBIO?
 
Can you share the closure mail from RBIO?
Haven't received anything yet.
Yes please share and please tell us also like how you wrote the complaint details and had you mentioned compensation amount in details also or in column section of compensation only. Please 🙏 share this will help us alot.
I had mentioned the facts in my complaint. I had also attached the correspondence with HDFC.
After that I had asked for 20K compensation against mental harrasment.
 
The process is quite easy.

This is the link. Register with your mobile no and Email.
Subsequently mention the facts about the case. Also attach correspondence done with bank in supporting documents.
There are two columns for compensation, one is for monetary loss other one is for mental harrasment. Put your claim amount in the respective columns and submit the complaint.

Most important is to have good correspondence record with the bank and proofs of your claim.

@SJM is an expert he can guide you better.
 
Hello, I had recently applied for HDFC DCB Metal Credit Card on card to card basis, based on the limit of Rs 8.5 Lakh in my ICICI Emeralde Credit card through my HDFC RM.

It was in fact my RM only who had told me first that I may be eligible for HDFC DCB Metal credit card when I asked her for a credit card, and I told her that I already had ICICI Emeralde with Rs 8.5 Lakh limit, and had more 8 Lakh spend in the last 6 months. So based on her input, I applied, and just the next day, I received message that it was internally approved.

But then, after two days more, I received email that it was rejected. When I asked my RM, she told me that they wanted my GST returns. When I told her that card to card application does not require GST returns, and also I don't have any GST returns, and pay only income tax, she said that she will inquire from credit card team, but after 3 days she has not replied.

Do I have grounds for complaining to the RBI Ombudsman that first HDFC Bank approved my DCB Metal card through card to card basis, and then rejected me for a reason not valid itself for card to card application? What should I do? I have meanwhile escalated to the Grievance Redressal email, but they say that they will reply after 1 week, and I know that they rarely approve declined applications after such a long period. The main problem here is that the card to card application does not require GST returns, and the card was first internally approved, before being rejected for a reason not mentioned itself for card to card applications.

Please help, @SJM
 
Yes please share and please tell us also like how you wrote the complaint details and had you mentioned compensation amount in details also or in column. Please 🙏help us alot.

Hello, I had recently applied for HDFC DCB Metal Credit Card on card to card basis, based on the limit of Rs 8.5 Lakh in my ICICI Emeralde Credit card through my HDFC RM.

It was in fact my RM only who had told me first that I may be eligible for HDFC DCB Metal credit card when I asked her for a credit card, and I told her that I already had ICICI Emeralde with Rs 8.5 Lakh limit, and had more 8 Lakh spend in the last 6 months. So based on her input, I applied, and just the next day, I received message that it was internally approved.

But then, after two days more, I received email that it was rejected. When I asked my RM, she told me that they wanted my GST returns. When I told her that card to card application does not require GST returns, and also I don't have any GST returns, and pay only income tax, she said that she will inquire from credit card team, but after 3 days she has not replied.

Do I have grounds for complaining to the RBI Ombudsman that first HDFC Bank approved my DCB Metal card through card to card basis, and then rejected me for a reason not valid itself for card to card application? What should I do? I have meanwhile escalated to the Grievance Redressal email, but they say that they will reply after 1 week, and I know that they rarely approve declined applications after such a long period. The main problem here is that the card to card application does not require GST returns, and the card was first internally approved, before being rejected for a reason not mentioned itself for card to card applications.

Please help, @SJM
First wait for banks reply
 
First wait for banks reply
In a similar kind of normal credit card rejwcrion case, i received a lousy reponse from. bank even aftwr meeting all the criteria and even as per rbi rules they have to specifically specify the reason for rejevtion when asked, which the bank failed to do.

Is this a valid enough ground for me to now approach RBIO since i recieved a crappy reply from. bank.
 
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