I'm the first person in India to get a credit card limit of ₹1000

[tempmirzaa]

 

[Zacobite]

W

Wow.. Incredible.. Probably AI.. Its a shame.. No CRM.. And they spend crores in customer acquisition and let go so easily

 

[Aniket]

He can show his dissatisfaction on social media. Its not abuse. If its hurting company then its their problem.
Now the card is closed so rbi will not help.
I would have filed a case in consumer forum for this n get atleast 30-40k from this case.

Do you know, they are on TF as well? 😂

 

[tempmirzaa]

What if the individual take the matter to RBIO ? IDFC hold the right to discontinue but they need to cater to customer service as well

bhai my simple logic when I requested to reduce my limit from ₹80,000 to ₹1,000, IDFC did it instantly without any policy excuse. But when I requested to reduce from ₹1,000 to ₹100, suddenly they say “internal policy.” What a hypocrisy.

 

[Gau₹av]

Don't joke around with banks, try to be professional always, avoid sarcasm and drama, and maybe next time this won't happen. Banks are not your friend from next door. If you joke around with them, they can decline you service and even RBI ombudsman may not be able to do anything in every case.

ICICI Bank also have a clause about "unparliamentary language": https://www.icicibank.com/unparliamentary-language-by-customers so always be polite, calm and professional no matter how much the greedy bank is trying to pwn you.

 

[drvirag]

bhai my simple logic when I requested to reduce my limit from ₹80,000 to ₹1,000, IDFC did it instantly without any policy excuse. But when I requested to reduce from ₹1,000 to ₹100, suddenly they say “internal policy.” What a hypocrisy.

It may not about policy but system limitations. They never thought that som1 will ever ask for 100rs credit limit so it was not at all programmed.
Still card closure is not at all justified whatever is the reason. They could have sent same auto reply every time.

 

[tempmirzaa]

Don't joke around with banks, try to be professional always and maybe time this won't happen. Banks are not your friend from next door. If you joke around with them, they can decline you service and even RBI ombudsman may not be able to do anything in every case.

ICICI Bank also have a clause about "unparliamentary language": https://www.icicibank.com/unparliamentary-language-by-customers so always be polite, calm and professional no matter how much the greedy bank is trying to pwn you.

Being professional doesn’t mean staying silent when a bank mistreats its customers. Customers have every right to question unfair practices that’s why RBI Ombudsman exists. Quoting ‘unparliamentary language’ is fine, but hiding behind that clause to avoid genuine complaints is not professionalism, it’s escapism. Banks are service providers, not rulers and accountability is part of professionalism too. And for the record, I have never used any unparliamentary words

 

[Gau₹av]

Being professional doesn’t mean staying silent when a bank mistreats its customers. Customers have every right to question unfair practices that’s why RBI Ombudsman exists. Quoting ‘unparliamentary language’ is fine, but hiding behind that clause to avoid genuine complaints is not professionalism, it’s escapism. Banks are service providers, not rulers and accountability is part of professionalism too. And for the record, I have never used any unparliamentary words

Chill, no one is saying you used unparliamentary words, I just gave that as an example of the power that banks have if they think you are making unreasonable requests which you feel are always reasonable. You asked IDFC Bank to reduce the limit to ₹1000 and yet they agreed to it. But you must keep in mind there are absolutely no rules by RBI over how much limit a bank must give or must not give. RBI cannot force any bank to issue any credit card either. Now you are asking to reduce it to ₹100 but every card has a base limit/minimum limit. So ₹100 may not be possible. It's not hypocrisy. Base limits are not published publicly for every card.

Plus even if it were possible, the bank may have any undisclosed policies and rules. It can even be a last minute decision by the credit underwriter to approve or deny any limit.

Plus you used words like "Road-side living person, no fixed assets, no future goals". Your sarcasm is clear. You were hurting about 80K being a low limit, so initially asked LE, then drastic reduction to 1K, now ₹100. The bank can think you are not conducting yourself in a serious manner. The word IDFC has used instead is defamatory. Bank can straightaway end all relationship for words you used to describe your own condition. And no complaining further anywhere will not work nor prove that the bank did any wrongdoing.

 

[tempmirzaa]

Chill, no one is saying you used unparliamentary words, I just gave that as an example of the power that banks have if they think you are making unreasonable requests which you feel are always reasonable. You asked IDFC Bank to reduce the limit to ₹1000 and yet they agreed to it. But you must keep in mind there are absolutely no rules by RBI over how much limit a bank must give or must not give. RBI cannot force any bank to issue any credit card either. Now you are asking to reduce it to ₹100 but every card has a base limit/minimum limit. So ₹100 may not be possible. It's not hypocrisy. Base limits are not published publicly for every card.

Plus even if it were possible, the bank may have any undisclosed policies and rules. It can even be a last minute decision by the credit underwriter to approve or deny any limit.

Plus you used words like "Road-side living person, no fixed assets, no future goals". Your sarcasm is clear. The word IDFC has used instead is defamatory. Bank can straightaway end all relationship for this. And no complaining further anywhere will not work nor prove that the bank did any wrongdoing.

I never used abusive or unparliamentary words against IDFC staff. I only highlighted the irony — a customer with good repayment history being forced to keep ₹1,000 limit when I requested ₹100. There’s no transparency about “base limit” or “internal policy.”

If banks can instantly reduce from ₹80,000 to ₹1,000, then why suddenly “minimum base limit” excuse appears when I request ₹100? This inconsistency is exactly what I called hypocrisy.

Also, RBI may not define how much limit a bank must allow, but it does mandate fair treatment and transparency. If the bank has undisclosed rules, they should clearly communicate them instead of hiding behind vague “internal policy.”

My feedback is only about credit card services — not the bank as a whole. IDFC’s savings and other products are excellent. But credit card handling lacks clarity, and that’s what I am questioning here.

 

[Gau₹av]

I never used abusive or unparliamentary words against IDFC staff. I only highlighted the irony — a customer with good repayment history being forced to keep ₹1,000 limit when I requested ₹100. There’s no transparency about “base limit” or “internal policy.”

If banks can instantly reduce from ₹80,000 to ₹1,000, then why suddenly “minimum base limit” excuse appears when I request ₹100? This inconsistency is exactly what I called hypocrisy.

Also, RBI may not define how much limit a bank must allow, but it does mandate fair treatment and transparency. If the bank has undisclosed rules, they should clearly communicate them instead of hiding behind vague “internal policy.”

My feedback is only about credit card services — not the bank as a whole. IDFC’s savings and other products are excellent. But credit card handling lacks clarity, and that’s what I am questioning here.

Ok then carry on with what you are doing, 🤣 I lose the argument against your flawed logic, but you may end up burning more bridges with more banks.

 

[Strange]

Don't joke around with banks, try to be professional always and maybe next time this won't happen. Banks are not your friend from next door. If you joke around with them, they can decline you service and even RBI ombudsman may not be able to do anything in every case.

ICICI Bank also have a clause about "unparliamentary language": https://www.icicibank.com/unparliamentary-language-by-customers so always be polite, calm and professional no matter how much the greedy bank is trying to pwn you.

waise tumhara pfp and bio dekh ke banks tumhare against bhi action lega?

 

[RKC]

I never thought I would have to say this here but I see lots of double agents here talking nonsense on behalf of the bank in question while op is calm and composed throughout the issue and he doesn't have to explain that he never abused the bank while others like us did in this matter. Everyone's forgetting the fundamental thing that this community is meant for sharing customer experience who used the services of financial institutions but not the other way around. op is doing right sharing his experience but what these double agents doing ?

 

[Ram1]

U have savings account too with idfc?

 

[Gau₹av]

waise tumhara pfp and bio dekh ke banks tumhare against bhi action lega?

Of course they can! But this is a community forum, and OP posted his beef with the bank on social media where banks have official verified accounts. And wrote to official bank email describing his condition as living on street and no fixed assets=indicates not a serious or respectful tone when communicating with bank despite not actually using disrespectful words.

I am not pro any bank nor against any bank permanently. It's a case-by-case basis. In most cases, I am on the side of the customer as obviously I am myself a customer and find myself wronged by dozens of banks, and have been at the receiving end and have so many battles against banks, have been overcharged, have lost many RBI ombudsman complaints or just lost the fight against a bank. Banks are not at all straightforward, they are themselves pretty sleazy and go to extreme lengths too to cheat customers. And as good as RBI is in India to side with customers, it is still lenient against some very exploitative & predatory practices by certain banks & credit card issuers. We need stricter rules.

That being said, in this case, I feel that 80K limit was low but not a complete joke, people use credit cards with as low limits as 15K from Axis or 25K from BOB, 50K from PSU banks, and over time they get LEs. If you want the algorithm to provide an automatic LE without income proof, be patient. And what triggers an automatic LE is unknown, banks cannot be forced by any regulatory body to be transparent about every single trade secret of theirs. In some banks, it's been observed that it's active usage of the card that triggers LE, in some, using it less triggers an LE. Because the OP got overly dramatic and sarcastic plus used words like "Road-side living person, no fixed assets, no future goals", that pretty much sealed his fate when the matter got escalated to the PNO. You have to be smart about LEs and upgrades, drama karne se kuch nahin hoga. And if you want to fight banks on a technicality like "you lowered to 1000, why not 100", you better make yourself aware of credit card rules first like base limit, limit discretion policy of bank/credit underwriter etc. Finally despite not using respectful words, your tone if sarcastic can be considered disrespectful. If the language wasn't unparliamentary, the tone can still be.

While I will joke about a bank with my signature or profile pic, I will most certainly not send this mocking logo for example, via my registered email to the bank's PNO just because they denied me SBI Cashback or PhonePe Select Black. 🤣

 

[Odugu Narasimha Rao]

Endi bro itta unnav nuvvu😅

A bro anthe ardam kadu

 

[RKC]

You might be pro customer but as far as I follow this post, few are pointing at op as he said something offensive when he is just being sarcastic and I don't think he should be silent as a pet when the bank clearly mocked him with generic LE while he already tried sharing his payslips and all and that's not even the context here, the op clearly asked for a legit reason why they can't exercise reducing the limit to 100 when they could easily do from 80k to 1k though they knew customer is disappointed with the latest le they have offered, if the banks could chose who they respond to responsibly and who they don't to, then customers has every right to chose who they want to give their businesses most to or don't, the op chose to reduce his limit to minimum as he doesn't want to close the card as it might be his first card or other reasons, but the bank took it personal and tested his patience with their generic replies when they just can be real and responsible, and we can only see the few screenshots of mail communications between op and bank and we can't see what trauma op has to gone through in the process so we don't have to be judgemental please.

 

[aayusharyan]

I have been trying for just a 5K CLE on my IDFC Card for years and they are not doing it. So, I can understand the fruestration of the OP.

Backstory.
I hold an IDFC First Select CC with a CL of 4.95 Lacs, I have been wanting to get IDFC First Wealth CC (I already hold Wealth SB with TRV of 10L+). But Despite multiple attempts over the last year, they have not given a CLE of just 5K. Because floor limit of Wealth is 5L, once I have a CL of 5, I can request for a variant upgrade.

It is frustrating.

 

[EnthuCC]

I have been trying for just a 5K CLE on my IDFC Card for years and they are not doing it. So, I can understand the fruestration of the OP.

Backstory.
I hold an IDFC First Select CC with a CL of 4.95 Lacs, I have been wanting to get IDFC First Wealth CC (I already hold Wealth SB with TRV of 10L+). But Despite multiple attempts over the last year, they have not given a CLE of just 5K. Because floor limit of Wealth is 5L, once I have a CL of 5, I can request for a variant upgrade.

It is frustrating.

Follow the advice of @SSV which he shared last year about upgrading Select card to Wealth card if your credit limit is less than 5L.

 

[tempmirzaa]

U have savings account too with idfc?

Yes I have wealth account

 

[tempmirzaa]

Of course they can! But this is a community forum, and OP posted his beef with the bank on social media where banks have official verified accounts. And wrote to official bank email describing his condition as living on street and no fixed assets=indicates not a serious or respectful tone when communicating with bank despite not actually using disrespectful words.

I am not pro any bank nor against any bank permanently. It's a case-by-case basis. In most cases, I am on the side of the customer as obviously I am myself a customer and find myself wronged by dozens of banks, and have been at the receiving end and have so many battles against banks, have been overcharged, have lost many RBI ombudsman complaints or just lost the fight against a bank. Banks are not at all straightforward, they are themselves pretty sleazy and go to extreme lengths too to cheat customers. And as good as RBI is in India to side with customers, it is still lenient against some very exploitative & predatory practices by certain banks & credit card issuers. We need stricter rules.

That being said, in this case, I feel that 80K limit was low but not a complete joke, people use credit cards with as low limits as 15K from Axis or 25K from BOB, 50K from PSU banks, and over time they get LEs. If you want the algorithm to provide an automatic LE without income proof, be patient. And what triggers an automatic LE is unknown, banks cannot be forced by any regulatory body to be transparent about every single trade secret of theirs. In some banks, it's been observed that it's active usage of the card that triggers LE, in some, using it less triggers an LE. Because the OP got overly dramatic and sarcastic plus used words like "Road-side living person, no fixed assets, no future goals", that pretty much sealed his fate when the matter got escalated to the PNO. You have to be smart about LEs and upgrades, drama karne se kuch nahin hoga. And if you want to fight banks on a technicality like "you lowered to 1000, why not 100", you better make yourself aware of credit card rules first like base limit, limit discretion policy of bank/credit underwriter etc. Finally despite not using respectful words, your tone if sarcastic can be considered disrespectful. If the language wasn't unparliamentary, the tone can still be.

While I will joke about a bank with my signature or profile pic, I will most certainly not send this mocking logo for example, via my registered email to the bank's PNO just because they denied me SBI Cashback or PhonePe Select Black. 🤣

I respect your view, but let me clarify a few points ****
1. Tone vs Words
I never abused or used unparliamentary language. I only used sarcasm to highlight the irony if the bank can reduce my limit instantly from ₹80,000 to ₹1,000, why is ₹100 suddenly “not possible”? Sarcasm ≠ disrespect. If sarcasm itself is treated as disrespect, then where is freedom for a customer to even express dissatisfaction?

2. Transparency Issue
You say banks have “base limits” and “internal discretion.” Fine. Then why not publish them? Why hide behind vague internal policies? Customers deserve clarity. Otherwise, it looks like selective convenience when the bank wants, it’s possible when the customer requests, it’s “not allowed.”

3. Limits Example:
Yes, people use cards with ₹15K or ₹25K limits. But here I am voluntarily requesting reduction because I want to control risk and spending. RBI allows voluntary limit reductions. So why deny it at ₹100 when the same bank approved ₹1,000? It’s about consistency and fair treatment, not the number itself.

4. Escalation
The fact that the bank escalated my sarcasm as “defamation” and chose to close the account entirely proves overreaction. Customers criticize banks daily that doesn’t mean all relationships must end.

5. Bigger Picture
I’m not fighting for a “technicality” I’m fighting for transparency, consistency, and fair treatment. If banks can deny service purely because of “tone,” then tomorrow any customer voicing dissatisfaction could face closure. That sets a dangerous precedent.