axis bank upgraded my CC and charged appx 3.5 joining fees also for addon crad

Axis Axis Axis har jaga isko hi log sunarahe hai DD par...idar aisa haal hai to najane pure desh me kya haal hoga iska....
Ye chor tha/hai/rahega...:(
@guest_999

Never seen such a pathetic bank in my life, i only keep its products to take revenge 

What if you don't active new card ... ?

hemant_111 wrote:

What if you don't active new card ... ?

thats what i m asking, i rejected the parcel containing the card,i dont what will happen

slowpoison wrote:
thats what i m asking, i rejected the parcel containing the card,i dont what will happen

To card bhi nahi milega. Aur paise bhi jaayenge. Ye axis hai 😅

Isn't the new rule from RBI says if don't activate the card, we can't be charged?

@guest_999

Recently i was fooled by hdfc about ltf diners card. Received the card but it wasn't ltf. Didn't activate the card and blocked it and i wasn't charged a single penny.

slowpoison wrote:
thats what i m asking, i rejected the parcel containing the card,i dont what will happen

Nothing will happen, card will go back to the origin axis bank location and you won't have any active Axis card

ashish0193 wrote:

Isn't the new rule from RBI says if don't activate the card, we can't be charged?

@guest_999

Recently i was fooled by hdfc about ltf diners card. Received the card but it wasn't ltf. Didn't activate the card and blocked it and i wasn't charged a single penny.

I think it is about new card applications, may not be about card upgrades. Better to read that RBI notification

ashish0193 wrote:

Isn't the new rule from RBI says if don't activate the card, we can't be charged?

@guest_999

Recently i was fooled by hdfc about ltf diners card. Received the card but it wasn't ltf. Didn't activate the card and blocked it and i wasn't charged a single penny.

Applicable to both new as well as upgraded cards but with the condition of "unsolicited" so not sure if axis will give the reason of clicking in app as proof of not unsolicited.
@MrMonkey

https://rbi.org.in/Scripts/BS_ViewMasDirections...

iv. The issue of unsolicited cards/upgradation is strictly prohibited. In case, an unsolicited card is issued/existing card upgraded and activated without the explicit consent of the recipient and the latter is billed for the same, the card-issuer shall not only reverse the charges forthwith, but also pay a penalty without demur to the recipient amounting to twice the value of the charges reversed. In addition, the person in whose name the card is issued can also approach the RBI Ombudsman who would determine the amount of compensation payable by the card-issuer to the recipient of the unsolicited card as per the provisions of the Ombudsman Scheme, i.e., for loss of complainant’s time, expenses incurred, harassment and mental anguish suffered by him/her.

vi. Card-issuers shall seek One Time Password (OTP) based consent from the cardholder for activating a credit card, if the same has not been activated by the customer for more than 30 days from the date of issuance. If no consent is received for activating the card, card-issuers shall close the credit card account without any cost to the customer within seven working days from date of seeking confirmation from the customer. In case of a renewed or replaced card, the closure of an inactivated card shall be subject to payment of all dues by the cardholder.

If upgrading card in axis app involves more than 1 click/touch then it won't be considered as "unsolicited" from RBI rules point of view. if just one touch/click was required then may be possible to get charges reversed by complaining to axis nodal officer by quoting above rbi rule & saying accidently touched/clicked the option.

Thank God, I was saved. Whenever I clicked on this upgrade option, it shows offer not available for you. Now I won't click on it ever.

MrMonkey wrote:

Nothing will happen, card will go back to the origin axis bank location and you won't have any active Axis card

what about the charged already done?

guest_999 wrote:

If upgrading card in axis app involves more than 1 click/touch then it won't be considered as "unsolicited" from RBI rules point of view. if just one touch/click was required then may be possible to get charges reversed by complaining to axis nodal officer by quoting above rbi rule & saying accidently touched/clicked the option.

only 1 click was done from notification

drupal wrote:

Never seen such a pathetic bank in my life, i only keep its products to take revenge 

revenge ?! 
How? elaborate please 😬

slowpoison wrote:
only 1 click was done from notification

Immediately escalate the issue to nodal office citing rbi link & rules quoted in my previous post above.

slowpoison wrote:
only 1 click was done from notification

There was no need of OTP, no charges shown,  no consent taken separately for Add-on card, no confirmation screen asking for final consent, just a click on a link for card approval and account debit? Surprising, if so.  

guest_999 wrote:

Immediately escalate the issue to nodal office citing rbi link & rules quoted in my previous post above.

done, thanks

starbearer wrote:

There was no need of OTP, no charges shown,  no consent taken separately for Add-on card, no confirmation screen asking for final consent, just a click on a link for card approval and account debit? Surprising, if so.  

me too surprised

I close my savings account last week, now only holding CCs

Upgraded to which card with such high charges?

great wrote:

Upgraded to which card with such high charges?

select credit card

Ahtsham wrote:

Thank God, I was saved. Whenever I clicked on this upgrade option, it shows offer not available for you. Now I won't click on it ever.

+1

drupal wrote:

Never seen such a pathetic bank in my life, i only keep its products to take revenge 

Bhai iska koi loophole nikalwao, axis ko lootna hai

Two days back I have closed my Axis flipkart cc as my credit limit on the card is very less I.. e 15000, the customer care didn't tried to retain and closed the card on request, may be they are doing over business and want to let go if any customer wants.

Ok, so your card is upgraded now and whenever you are requesting an upgrade in the Axis bank app it clearly showcases joining and annual fee. Certainly you have ignored it. Now to come out of this and save yourself paying 7k follow these steps:

1. Do not activate the card at any cost

2. Follow up with Axis bank representative and ask them to raise a issue for reversal of joining fee

3. Tag rbi and axis on Twitter and ask to resolve the dispute

4. Visit branch if possible and provide a written complaint

5. Write and email to axis bank higher authorities cc'g rbi as well. This is the most effective one.

Mind it you need to get this dispute resolved within the month otherwise overdue can destroy your CIBIL.

Buddy there is no add-on fee on Select credit card. You been scammed talk with support followed by pno (not good experience)

I have 2 add on cards with no fees