Amazon pay rewards gone, Diners Black rewards gone, Which one is next?
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In March, my amazon pay card was blocked with rewards taken. I got the card back but not the rewards. Now, on 1st september, hdfc takes all my rewards (50k) without blocking. Are these banks really dumb? They could’ve just warned us. Why do they risk such bad reputation for a small amount of money that shouldn’t bother them? Nobody will have any trust in them, if they take people’s hard earned money without any warning.
Also, if they’re doing this as they like, and the banking ombudsman doesn’t give a damn, they should atleast be forced to mention a * mark on the rewards page. And the biggest joke is their reason “personal use”, which is not defined. They want us to spend 8-10 lakh to get the fees reversed, and give us spend offers like spend 2.5 lakh and get 5k amazon gv, and sometimes a bmw, which is way costly than what I’ve spent, and then block the card for doing exactly that.
I only trust amex now as a credit card provider and will most likely never recommend any other credit card in any situation.
This is the email from hdfc:
Dear Mr xxxx,
Thank you for writing to us.
This is with reference to your e-mail regarding reward points in your HDFC Bank credit card account.
We hope you and your loved ones are safe and healthy.
We at HDFC Bank are committed in providing you uninterrupted services. However due to the prescribed COVID-19 protocols, our offices are operating with limited staff. This could have lead to a delay in response to your email. We sincerely regret any inconvenience caused to you.
We understand from your email that reward points were debited in the card. Basis your credit card usage pattern over last few months, the Bank has seen certain unusual transaction patterns which are not in line with personal or retail spends. Hence points credited to those transactions were debited. Since you have a retail card which is meant for personal use only, this is not allowed as per the terms and conditions of card member agreement.
Hence we request your kind cooperation to ensure that this card is used only towards your personal spend requirements going forward. We regret that we are unable to accede in re-crediting the points.
We earnestly seek your understanding in this regard.
This was from icici:
“Dear Customer,it is observed that your Amazon Pay ICICI Bank Credit Card is being used for commercial/business purpose. As per the T&C,we would be holding back the reward points for Mar’20 statement and your card will be blocked for further use. For details,call our Customer Care on 18001020123.”
I request some of the popular users here on twitter to make a post and get it retweeted, until these banks stop this cheating or the ombudsman finally awakens.
Just a few gift vouchers through swych and amazon
define “few”
How did you get the amazon pay card back?
The information about the Icici bank card is about which card Apay or any other. @credit.hunter098857
and clarify ‘for whom?’
btw, I have almost stopped using hdfc.
don;t know why?
2 months. Limit was 6 lakhs. But the point isn’t that. They should’ve given a warning or stop asking to spend 8 lakhs for fee waivers. They are inflicting this and then they’re taking our money. It’s almost impossible for a normal middle class person like me to spend 8 lakhs in a year, and 2 lakhs every month for their spend based targets.
Premium cards are not designed for “normal middle class” persons. For them there are many lifetime free cards.
I normally spend about 8 lakhs in a year. But they are mainly on official account, on flights, hotel rent and road travel.
Total cashback/points redemption etc above Rs.50,000 per year, from all sources taken together, is fully taxable. Have you declared them in your return and paid taxes? Also, the spends on credit cards are reported to the income tax dept. You are also required to declare the spending above certain amount in your tax return. Have you done that? If not, blocking of cards is the least of our worries.
And yes, the normal retail use clause is always written in the terms & conditions with the words that bank decision is final.
really dude
1. Cash back reward points actual value depends on redemption option and definitely need not to be declared
2. No need to declare any spending in ITR form for credit card. It is reported by Bank for total transactions above 10lacs under SFT
I guess you just have to declare it under income from other sources and pay tax on it. There’s nothing illegal being done here.
you also have to explain the source of money used to pay out your spends on the card
Where were u selling these GVs? God knows why would you do such a thing? You just killed your golden goose. This topic is so popular on DD. Still people don’t learn lesson from it.
Here we are thinking to transact for Thousands in the fear of blockage and you are talking in lakhs.
It’s not talking but telling . He walked the talk already
Jokes apart, I agree with you. I have only used 5% of limit on my card and still wondering if I should make additional spends on my card or use a different card for rest of month
@ZitOO
anyway i just wonder why they do this to normal citizens.
Other business men scamming lacs of crores from these banks still living lavishly…
what a pathetic condition of Indian Banks… 
Those business man also return many favours to individuals in banks 
GV purchases may not be considered as personal use as there is no way for banks alone to verify that they are not being sold. Hence they consider it as commercial usage. People should either learn this or stop complaining. Banks decision is not at fault here.
Pretty sure amazon or snapdeal don’t inform hdfc that it’s a gv purchase specifically
Not only the type of transaction.
These days AI doing wonders, they find transaction patterns from amount too.
Usually flag is raised by system and action taken by executives.
Also, I might buy gold from that gv for personal use. Why is it wrong to do that instead of BMW?
If you will deal gv in bulk, it will happen, control your gv selling bro.
after reading everything,when you used 20-30 L in 2 months and middle class person, words,
idk,how to express my feelings…. heart attack.
i’m from middle class family.and see my posts here,i’m reading so many threads and asking so many dimers for a credit card(annual spends below/around 50k)
20-30 L…omg
I so want to become a middle-class guy too so that I can afford a BMW… 😭😭😭
It reminded me of some Bollywood celebrities (who earn crores for a film) say this in their interviews that they are from middle class families…People who say these craps, never had to struggle in their lives and most of these people were spoiled brats who enjoy their dad’s/ancestors money…
Khudko garib nhi bola yehi bahot hain I think… 😒
There are a lot of dealers that allow to book a car using a card. Heck amex allowed a user to buy 170 million dollars worth of painting. The point of the promotion was to be able to buy a luxury car using the credit card. They were not able to give 33 percent on the whole transaction, so just wanted to give for booking amount.
I spend with my simply click upto 40% of limit but I generally pay the amount and bring it down to 2-3% before bill generation.do I need to worry about blocking also?
Please don’t misuse Credit card, This type of activity from customer will hamper real genuine Credit card users
One suggestion to all those credit card blocked. If you want to spend huge Just move on to Indusind or any govt bank credit card. There is no issue with these. Close stupid bank credit cards like Hdfc, Icici.
And Always redeem your reward points timely.
1.dont do anything illegal .. whatever smartness you do it sud be within the ambit of law
2.distribute your income to you relatives (grandparents , housewifes are perfect option ) .. have good relationship with them.. some reliable friends may also help in this
3.dont have more money under your name .. it will only attract some stupidity by some stupidious green-mango bank under some stupidious excuse "our system showed your @$$ and it was unsusual so we temporily block your a/c here " plea before our deaf-dumb customer not-care next
If both the banks are detecting kind of unusual transactions, then your usage pattern is not really normal. Probably banks are right to block your points I guess.
My question is that bro which hdfc card u were using which gives higher cahsback on Amazon gift card.
Also tell us how did the amazon pay icici card unblocked .tell us the secret
Lets understand what is spending pattern -
Banks get the information if the item was a gift item or an electronic item or a ornamet like golds
So, I person orders high end electronic including fridge, ac, apple iphone, purchase gold from POS i.e. dines at high end restraunts and changes the concentration of purcahse in different categories, he can easily spend 10 lakh over a year and get credit card fees reimbursed.
Calculations -
Considering a HNI person – high net individual (yearly for a complete family)
Insurance, ULIP, Health – 3,00,000 (Whole family)
Gold + ornaments + fancy items – 1,00,000
Children school fees – 2,00,000
Grocery + daily use items – 80,000
Bill payments (electric,water,gas) – 60,000
Electronics (including phones) – 1,00,000
recharges (phone,dth,broadband) – 36,000
Foreign/domestic trip = 1,00,000
fun activities + dining = 60,000
Total = 10,36,000
I calculates as a hard guess, the spending can vary in section to section
Note – Each bank/credit card issuers, thinks you are using that credit card for complete usage, you decide to use only one card. Not 10 cards and spending 10 lakh in each card .
Also, this high end cards are applicable for those people you are earning like 25L+. per year, its not you are earning 12L and spending 10L from a single card.
Its completely your faullt.
@credit.hunter098857 I just read the complete topic and discussion. I just couldn’t control my laughter ( didn’t laugh out finally though). But deep down, the inner sense is on roll. Thanks for the discussion.
This was the main aim of the post. To make people aware. And defame HDFC and icici. Glad you liked it.
Unwarranted senseless ranting. Personal Credit Cards are supposed to be used for Personal Use. Period! It’s your responsibility to read the Card Member Agreement as an User. Atleast own up brother instead of whataboutery. The onus is never on the Bank to warn us, it’s always on US!
Note – Amex also does Financial Reviews once flagged. So please be ready to blame Amex.
Yes, got to know about amex blocking platinum charge from an nps user. I don’t do nps, but now, with this, I feel it’s almost the end of the road for me as far as credit card’s are concerned. Better to start a real company to do this stuff.
For everyone asking about how to get the amazon pay unblocked, please call the number on the back of the card and tell them that you lost your card and need a replacement. If you’re lucky, you might get it back.
Lol. It was never only 30 lakh spends. I don’t only own diners black. And we never lose with credit cards. They are only for earning rewards, money and not emi’s and interest to bank.
What were the type of business/commercial txns in your case according to them?