It's actually happening because HDFC has tie-up with Amazon for sale where they are offering 10%. So what's the use of keeping fee on AGV.
Not a bug but a planned turn of events to push sale for Amazon. Ab sab AGV lenge aur use Amazon pe hi karna hai. Idhar bank ne kama liya aur udhar Amazon ko business mil gaya.
Yeh sab sochi samjhi saajish hai. Sale kahtam hote hi conv. fee be like, "Yaad rakhna main ek din wapas aayunga." Aur 10K se zyada le hi kya saktey hai?