[Resolved]  Indusind Bank — Credit card/joining fee was not intimated prior to credit card purchase

Address:

560001

Enclosing email trail sent to the bank (Please go through the same from the bottom).

From: guruprasadh kannan
Sent: wednesday, 14 september, 2016 3:11 pm
To: 'head. [protected]@indusind.com'; 'premium. [protected]@indusind.com'
Cc: 'atif. [protected]@indusind.com'; '[protected]@yahoo.co.in'
Subject: re: credit card offers

To: head – card services,

Please refer the trailing email communication which is self-explanatory regarding the credit card that i have received a few weeks ago. I appreciate your earliest revert in this regards.

Thanks & regards,
K guru prasadh

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From: guruprasadh kannan
Sent: wednesday, 07 september, 2016 9:42 am
To: 'atif. [protected]@indusind.com'
Cc: '[protected]@yahoo.co.in'
Subject: re: credit card offers

Reminder

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From: guruprasadh kannan
Sent: thursday, 01 september, 2016 12:03 pm
To: 'atif. [protected]@indusind.com'
Cc: '[protected]@yahoo.co.in'
Subject: re: credit card offers

Hi atif,

Refer trailing emails, your reply is much appreciated to take this further. You may please arrange to take the card back. I shall settle my outstanding amount on the card for only the value that i have used.

Regards,
K guru prasadh
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From: guruprasadh kannan
Sent: tuesday, 30 august, 2016 5:03 pm
To: 'atif. [protected]@indusind.com'
Cc: '[protected]@yahoo.co.in'
Subject: re: credit card offers

Hi atif,

Further to telephonic discussion and trailing emails, an update on this subject matter is awaited from your side.

Regards,
K guru prasadh

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From: guruprasadh kannan
Sent: thursday, 25 august, 2016 1:41 pm
To: 'atif. [protected]@indusind.com'
Cc: '[protected]@yahoo.co.in'
Subject: re: credit card offers
Importance: high

Hi atif,

Refer our telephonic discussion, i was absolutely shocked to know that there is a joining fee of rs. 899 on my credit card!!! In spite of my hesitation to take a second credit card (As i am not an avid user of plastic money), i was pursued by your telemarketing team saying that the card if free to use for lifetime (No joining/subscription/any other sort of fees) along with various benefits available as a promotional offer for a limited period. To my first disappointment, i understood that there is no offer with bookmyshow.com. And all the aforementioned came to my notice within a week of my card purchase and i am unsure how many more are there to follow!!!

First of all, i don’t need a credit card which has a fee when i already enjoy the luxury o[censored]sing one free for lifetime. I have opted for your credit card only because there is no fee to take it. Irrespective of what beneficial offers you provide, i would always stay away from getting a card which has some kind of hidden charges. My current credit card issuing bank is offering me a credit increase along with a few bundled offers without any charge/fee or whatsoever for lifetime. It is nonsensical to pay rs. 899 even if i don’t use your credit!!!

Secondly, this came as a big blot on my trust on indusind bank as i feel that to sell a credit card an outright lie was used. Trusting your words, i have referred one of my friends to go for indusind bank credit card which has already put me in bad light.

If you want me to continue using the card, i need to be assured that there are not any sort of charges for the card for lifetime. If not, you may send your representative to take your card back and i shall settle my outstanding. I would rather use a card with straightforward offers/charges and not with twisted ones.

You are requested to acknowledge this email on receipt and take it up further. I am awaiting your reply on the matter.

Regards,
K guru prasadh
+[protected]

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From: guruprasadh kannan
Sent: tuesday, 23 august, 2016 1:51 pm
To: 'atif. [protected]@indusind.com'
Subject: re: credit card offers

Hi atif,

Thanks for your email. Is the credit card that i use free of any sort of fees/annual subscription?

Also, what are the charges per transaction if the card is used in a foreign country? I appreciate, if you can share a file with those details.

Regards,
K guru prasadh

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From: atif rayez [mailto:atif. [protected]@indusind.com]
Sent: tuesday, 23 august, 2016 1:28 pm
To: guruprasadh kannan
Subject: re: credit card offers

Dear mr. Guru,

As discussed, pfa.

Regards
Atif

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From: guruprasadh kannan [mailto:k. [protected]@zcltd.com]
Sent: 23 august 2016 13:02
To: atif. [protected]@indusind.com
Subject: credit card offers

Hi atif,

I am trying to book a movie ticket on bookmyshow.com using my indusind bank credit card that i received recently. However, the website says that my card is not eligible for ‘buy 1 and get 1’ offer which i was told is applicable on my credit card.

Kindly check this and revert soonest possible.

Regards,
K guru prasadh

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From: atif reyaz [mailto:atif. [protected]@indusind.com]
Sent: friday, 05 august, 2016 4:46 pm
To: guruprasadh kannan
Subject: test mail

Dear sir/ma’am,

Thanks for applying indusind bank credit card.

Please note: we are also into personal loan and balance transfer of your existing loan @ attractive rates. Please feel free to reply if you have any requirement.

Regards,
Indusind bank