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(Solved) HDFC Denied LTF offer.
- Thread starter MOhit __
- Start date
- Replies 16
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Do you have the Date and time of tht screenshot...? If if it is after Sep 12,2022 and you have applied through tht link itself then you can fight with the Bank. ( I am assuming no where below during your application they had written Offer valid till 12sep, 22. cause Hdfc has this bad habit of giving offers after expiry also. I had a fastag offer [ Free Fastag ] in Jan this yr and below it was written in very minute words valid till 31st Dec 22)
Let's go with the best scenario; you have the ss ( along with time, date of ss) and you applied t through tht link, and fullfiled the Spends criteria)
Fwd tht email to pno@hdfcbank.com Tell them tht when you had applied for the cc; it was through the same link and was touted LTF; however now if you deny me the LTF cc you will be violating the RBI Rule no vii. under Point 9 (Interest Rate and other Charges), Chapter 2, which states, that, 'There shall not be any hidden charges while issuing credit cards free of charge'.
This clearly states that the LTF offer you have displayed on your website & made a commitment to me based on the Spends Criteria [which btw I have fulfilled] but now you are denying me LTF which can be referred as 'hidden fees' or 'fraud' which is a clear violation of RBI guidelines. I am waiting for your wise decision on this matter before I escalate it to the HONOURABLE RBI Banking Ombudsman
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I had applied through Net banking in first week of Jan , in Net banking there was same term and conditions in pdf which i received in email.
I will email to PNO now ...Thank you for your suggestion.
Mail to customerservices.cards@hdfcbank.com
They have made my 20days Bharat cashback (499 joining and annual fee) to LTF upon request. I simply mailed them, convert to LTF as I don't have much spends to justify the card charges.
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if your complaint to PNO doesn't work out, then complain to RBI.
If RBI complaint also yields no result, then cancel the card, and at that time write an email to pno mentioning the reason for cancellation. 2 reason for this:
1.) you have already got 1500 rupees voucher so even after paying 500, you are still in profit.
2.) banks invest a lot into onboarding new customers (costs of marketing, application processing, kyc, card printing, courier, amazon vouchers of 1500, etc).
so any sensible bank would not want to lose the customer especially when they know that they are the ones who not kept their promise. their ROI target in any FY depends heavily on active cards issued inthat year. so probably they will honor their word and make the card ltf.
unfortunately, rbi is the ultimate authority if you dont want to go to courts and legality. so trying to minimize the losses here.
20 days bharat cashback... You mean your card is just 20 days old..??
I am asking cause when I went to the Branch; they told me they have stopped issuing this card now....
akshayhs
TF Legend
With HDFC, I have heard you need to try more than once to get the right response. Legally, your card should be LTF if you had indeed received the offer at the time of application, as you have complied with the preset definitions. Just try escalating mentioning you have abided by the conditions and hope for the right response. If you have edited it and are trying to fight, no point in continuing as they too will have a record as to what kind of application you had filled.
Haan gine chune 4 log ki to team h ye🤣 sb jante inko
Adding a Netflix monthly debit to cards won’t work with hdfc for ltf?
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Kaun baar baar email bhejte baithega😂 Waise bhi reply toh ye 4-5 log hi karte hai
Inka bas chle to ye Sumanta da ko b regret message bhej de😂
Like many have already suggested, escalation to HDFC and then to RBI is really the only way.
Problem is that if HDFC doesn't really help you and you go to the RBI then you really cannot do much after that.
You could consider the court system but I would highly recommend against that. Best case scenario is to cut your losses.
Problem is that if HDFC doesn't really help you and you go to the RBI then you really cannot do much after that.
You could consider the court system but I would highly recommend against that. Best case scenario is to cut your losses.
After receiving all the proofs, they eventually made this card lifetime free.
This process took them 21 days, during which time they also charged me an annual fee of 590 rupees.
I will send them an email requesting that they refund this amount.
Thanks everyone for all of your suggestions.
This process took them 21 days, during which time they also charged me an annual fee of 590 rupees.
I will send them an email requesting that they refund this amount.
Thanks everyone for all of your suggestions.
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Please ensure that you get GST refund as well.
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