HDFC debit card charging ₹885 annually, how to change card ?

kool wrote:

Hi guys,

Recently I opened a new saving account in HDFC, just for online shopping offer (i.e flipkartl/amazon for 10% off). I use this account when there is some offer is going on. I keep limited amount like ₹20k .

Yesterday I saw in statement that they have deducted ₹885 for Visa platinum debit cum ATM card. This is a huge amount, and want to change my platinum card to some cheap card. Can anybody tell me how to change debit card types ????

Also I have checked that there is a cheapest HDFC card is Rupay based which charges ₹150-200 annually. Can I use this RUPAY HDFC card for Flipkart/amazon offer in future or they need only Master/Visa types ? Plz clear my all doubts.

Sometimes they excludes rupay card. So get Visa or MasterCard. You can change card type by logging in net banking.

Either upgrade to saving max account or change your card to basic card

Use the same card till next year as fees is paid already and non refundable.
After 11 months block this card and apply for new card from net banking.
Do not forget to place reminder for next year.

https://www.hdfcbank.com/personal/products/acco...

Switch to Max Savings, Your be getting Lifetime Free Platinum Card

Simbha3 wrote:

Sometimes they excludes rupay card. So get Visa or MasterCard. You can change card type by logging in net banking.

All HDFC Flipkart/Amazon offer valid on HDFC RuPay debit cards too.

HDFC also launch 2 new Higher variant of RuPay debit card for Premium customers.

only SBI bank excludes RuPay card offers.

Issue HDFC RuPay debit card, All HDFC Flipkart/Amazon/Snapdeal/Bookmyshow/smartbuy etc offers valid on HDFC RuPay debit cards too.

HDFC also launch 2 new Higher variant of RuPay debit card for Premium customers.

Hey @kool from where u opened this account mean to say from some bank employee or online. If you opened this account through hdfc employee then u ask that employee to refund those charges, he can easily refund u r charges. I too have hdfc bank account for same reason as u and u r surprised to know that i never paid any charges even sms alerts charges. For your ready reference here a screen shot of the same.

m0n3y5av0r wrote:

Hey @kool from where u opened this account mean to say from some bank employee or online. If you opened this account through hdfc employee then u ask that employee to refund those charges, he can easily refund u r charges. I too have hdfc bank account for same reason as u and u r surprised to know that i never paid any charges even sms alerts charges. For your ready reference here a screen shot of the same.

Great

Change into Rupay card

Already keeping 20k better upgrade to max account by keeping 25k. Better credit card upgrade chances too.

m0n3y5av0r wrote:

Hey @kool from where u opened this account mean to say from some bank employee or online. If you opened this account through hdfc employee then u ask that employee to refund those charges, he can easily refund u r charges. I too have hdfc bank account for same reason as u and u r surprised to know that i never paid any charges even sms alerts charges. For your ready reference here a screen shot of the same.

i also had opened and the person who had done all the formalities had said he would try to get it reversed but then they declined the reversal and said use it for 10 – 11 months and then change

desiman wrote:

i also had opened and the person who had done all the formalities had said he would try to get it reversed but then they declined the reversal and said use it for 10 – 11 months and then change

What u r telling me about that guy, he is purely a marketing person attitude. U just directly visit u r branch and on reception ask the representative to please refund my charges and told him / her that u r employee told you that these will get reversed easily. I think they surely help you.

Do they debit the charges at the end of the financial year or at the start? Because i opened an account last year in June and wasn’t charged anything for an entire year but in Jun 2019 I’ve been charged 590. Are these charges for the previous year or for the year ahead?

schumacher wrote:

Do they debit the charges at the end of the financial year or at the start? Because i opened an account last year in June and wasn’t charged anything for an entire year but in Jun 2019 I’ve been charged 590. Are these charges for the previous year or for the year ahead?

for the year ahead

Why will they refund debit card charges?

Dimer8853 wrote:

Why will they refund debit card charges?

well … to keep you as a customer .. to get more deposits from you .. to offer more loan to you and earn more income in the way of interest …

caks2006407 wrote:

for the year ahead

Does that mean that it was waived off for me for the first year?
on the contrary, hdfc customer care said that it is charged for last year. Not sure if they are very aware though.

schumacher wrote:

Does that mean that it was waived off for me for the first year?
on the contrary, hdfc customer care said that it is charged for last year. Not sure if they are very aware though.

Either waived off or you missed the entry in your stmt.
For me its always charged upfront from start(HDFC)
All banks charged me fees upfront – both DC and CC

If CC says for last yr then you should confirm it from Branch or again calling CC

john78 wrote:

well … to keep you as a customer .. to get more deposits from you .. to offer more loan to you and earn more income in the way of interest …

But then what will the point of keeping annual debit card charges if everyone Starts doing the same?do PSU banks also do the same?

Dimer8853 wrote:

But then what will the point of keeping annual debit card charges if everyone Starts doing the same?do PSU banks also do the same?

They won’t reverse the charges for everyone, I recently contacted my RM for millennia DC (it’s not available on netbanking) & he promised to reverse the charges when its charged. Preferred & Imperia rm’s can get things done easily.

Dimer8853 wrote:

But then what will the point of keeping annual debit card charges if everyone Starts doing the same?do PSU banks also do the same?

Usually they will not reverse the debit card charges for everyone. very rare.

I do have savings account with hdfc. they do not charge for debit card as I have a salary account with them. Also they do not apply charges for my family members too.

Also, they do not apply charges for senior citizens these days.

Dimer8853 wrote:

But then what will the point of keeping annual debit card charges if everyone Starts doing the same?do PSU banks also do the same?

Facility not available

From : psu banker

can anyone say what are the real benefits involved in savings max and how can i upgrade online

prabha.avum wrote:

can anyone say what are the real benefits involved in savings max and how can i upgrade online

Hdfc is the worst in this regard. Unlike sbi and ICICI, you cannot upgrade account type online. Have to visit branch.

I have been charged 500+90 for cc overlimit , is it possible to get this amt reversed ? @aashish1593

disparaks wrote:

I have been changed 500+90 for cc overlimit , is it possible to get this amt reversed ? @aashish1593

yes 99% chance to reverse

call or mail them and request them to reverse

SARDARKHAN wrote:

yes 99% chance to reverse

call or mail them and request them to reverse

Is it confirmed?

disparaks wrote:

Is it confirmed?

instead of typing here
type a mail and find out

SARDARKHAN wrote:

instead of typing here
type a mail and find out

Tq got my amt with 1.25 lac 😎…