[Resolved]  Standard Chartered Manhattan Platinum Credit Card — Non Compliance of the offerings by the bank

Standard Chartered Field Department contacted me for Manhattan Platinum card and offered
1. 5% cash back on all petrol transactions at any petrol pump all over India.
2. 3 months free EMI without any interest and extra charges of any sort.
3. 5% cashback applicable on supermarkets and departmental stores.

I was informed that the bank would send me the details of the merchant establishments where 5% cashback offer is applicable.

While filing the application, I found that 5% cashback on petrol transactions and 3 months free EMI (without any extra charges) were not listed on the application form, also there were no details of the merchant establishments.

Since the bank representative confirmed these offerings again I quoted in specific over the application form that the 5% cashback on fuel transactions anywhere in India has been committed and the application should only be processed only if this offer is applicable. The verification dapartment also confirmed these offerings during two different verfication calls.

Now the bank is denying these offerings. The bank was not even ready to accept that this card was free for life time and informed me via email that I would be charged Rs 3499+service tax in the first month bill. It took me a lot of effort to let them understand that the card was free for life time and there would be no renewal fees on this card which they later agreed to.

Again there is a lot of communication gab between there different departments. One would agree that there would not be any no non-usage fees and other would deny the same. They admit that it was a false commitment from their end, however are not ready to provide the offerings they committed.

I fail to understand, since I quoted the offerings committed by their representative on the top of the application form and signed it, and if the bank was not ready to offer me these offerings it should have rejected the application and asked me to refill the form. I gave my details to their verification department only after they confirmed all these offerings on the card.

Several contacts have been made at their escalation point but no satisfactory response has been provided. Moreover as per the customer care executive Julie, there is no such list where the details of the merchant establishments where 5% cashback is applicable.

I do have some recorded conversation which would confirm the communication gab between their different departments. Please investigate so that serious action can be taken against the defaulters and the offerings should be applied on my card.