Hot Deal HDFC Annual Debit Card Charges - Is Reversal Possible?

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Deal Subedar
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Hi Guys,

I was checking bank statement today and found that hdfc has deducted 590 Annual Debit Card charges on Jan 17. This the first time this charge has been deducted since 2005 that I have had this account. This is a regular saving account with 10k min balance. The debit card is blue Easy Shop.

Any way to reverse this charge or reduce this fee? 590 is a lot of money

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It must be getting deducted earlier also. Reversal not possible. 500 plus GST is minimum for any Visa/MC HDFC DC if you have regular savings account. Get Rupay DC if you want lower charges.

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yes contact in hdfc branch

threaten politely to close account

gst reversal not possible but 500 can be reversed

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rogerthat wrote:

yes contact in hdfc branch

threaten politely to close account

gst reversal not possible but 500 can be reversed

Can’t go to branch due to work but will try to talk to phone banking guys…

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GoogleCA wrote:

It must be getting deducted earlier also. Reversal not possible. 500 plus GST is minimum for any Visa/MC HDFC DC if you have regular savings account. Get Rupay DC if you want lower charges.

It has never been deducted before. I’m 100% sure about this.

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It got deducted for me too so i converted mine to hdfc max savings account which comes with life time free platinum debit card with 1 percent cash back and two airport lounges per quarter but u need to maintain 25 k and u get unlimited cash withdrawals from any atm no charges

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Same happened but it was new account so issuance fees of 590 was levied, complaint on Twitter, Next day phone came, you can keep that card and 500 will be reversed

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rogerthat wrote:

yes contact in hdfc branch

threaten politely to close account

gst reversal not possible but 500 can be reversed

Just finished speaking with phone banking. The guy took a reversal request of 590 but wasn’t sure how much would be reversed as backend team decides it, will take 7-8 days.
Let’s see…

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SunnyKh wrote:

Same happened but it was new account so issuance fees of 590 was levied, complaint on Twitter, Next day phone came, you can keep that card and 500 will be reversed

Hopefully mine will be reversed too

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JOKER321 wrote:

It got deducted for me too so i converted mine to hdfc max savings account which comes with life time free platinum debit card with 1 percent cash back and two airport lounges per quarter but u need to maintain 25 k and u get unlimited cash withdrawals from any atm no charges

25k is a lot. Would want to reduce even 10k if possible

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Bhalla_here wrote:

i have just got reversal

Full? Partial? How Much?
Time Taken?

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cocay wrote:

Just finished speaking with phone banking. The guy took a reversal request of 590 but wasn’t sure how much would be reversed as backend team decides it, will take 7-8 days.
Let’s see…

What is the reason u quoted for reversal??

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Sins1995 wrote:

What is the reason u quoted for reversal??

Just told them I have never been charged this since beginning. Why did they charge all of a sudden without even intimation this time?

The rep himself offered to reverse, I didn’t even have to ask for that.
I think they get a lot of such requests that’s why he offered it upfront…

This is free money for them, if someone calls then reverse otherwise enjoy free money

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cocay wrote:

Just told them I have never been charged this since beginning. Why did they charge all of a sudden without even intimation this time?

The rep himself offered to reverse, I didn’t even have to ask for that.
I think they get a lot of such requests that’s why he offered it upfront…

This is free money for them, if someone calls then reverse otherwise enjoy free money

Is it that eralier it was ur salary account and now salary is not being credited to this?

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Sins1995 wrote:

Is it that eralier it was ur salary account and now salary is not being credited to this?

It was salaried from 2005 till 2009 only. I got it converted to regular savings in 2009

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JOKER321 wrote:

It got deducted for me too so i converted mine to hdfc max savings account which comes with life time free platinum debit card with 1 percent cash back and two airport lounges per quarter but u need to maintain 25 k and u get unlimited cash withdrawals from any atm no charges

is there any upper limit on cb

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Where all I will face issues if I cancel my debit card?

I hope UPI/NEFT and other stuffs work. I don’t want DC for cash/online txns.

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Abhinav_Pune wrote:

Is it applicable on cred bill payment also

I just upgraded my account last week and i have applied the card i have to check that yet even i badly need that so i can earn for credit card bills too. I asked cc they said u l get 750 pm for all the transactions let’s see

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JOKER321 wrote:

I just upgraded my account last week and i have applied the card i have to check that yet even i badly need that so i can earn for credit card bills too. I asked cc they said u l get 750 pm for all the transactions let’s see

I have this card for more than a year now. You won’t get any cashback points for payment on cred. Although you will get 0.5% back for adding money to paytm payments bank using this card.

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tank_u_m8 wrote:

I have this card for more than a year now. You won’t get any cashback points for payment on cred. Although you will get 0.5% back for adding money to paytm payments bank using this card.

Have u tried hdfc millennia in cred will that give cashback?

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cocay wrote:

Just finished speaking with phone banking. The guy took a reversal request of 590 but wasn’t sure how much would be reversed as backend team decides it, will take 7-8 days.
Let’s see…

May I know the number for HDFC Phone Banking ? I had same issue 590 deducted for Annual Debit Card Charges and please give update if you get 590 Rs back in to your account.

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full except gst,…time taken – 2hours

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had opened account in July 2019 and was charged 590 the RM that time had told will get it reversed but even after visiting him at the branch he flatly refused to reverse it pensive

so is the reversal possible now rolleyes

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JOKER321 wrote:

Have u tried hdfc millennia in cred will that give cashback?

I have tried but the cashback is credited after 90 days of transaction. So i have not received the cb yet.

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Sins1995 wrote:

Where all I will face issues if I cancel my debit card?

I hope UPI/NEFT and other stuffs work. I don’t want DC for cash/online txns.

I am not sure but debit card is must to setup/change upi pin. Maybe some banks allow upi on disabled debit card accounts but not sure. @abhishek012 may know more. NEFT/IMPS/RTGS are independent of debit card.

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KillerMachine wrote:

May I know the number for HDFC Phone Banking ? I had same issue 590 deducted for Annual Debit Card Charges and please give update if you get 590 Rs back in to your account.

I called 011-61606161 for Delhi. Number is different for different cities I think. It is usually written at the back of card or search on Google

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