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! 🙂
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! 🙂
