| Address: | Bangalore, Karnataka, 560068 |
I am maintaining account in hdfc more around 15 years. I never used credit card in my life and recently i got call from my relationship manager saying so may benefits of credit card.. Finally i agreed to go for one. She said it is life time free card if i register any utility bill, but not mentioned the period that i should register the utility bill. She send the executive and i have taken the card by ensuring that it is lifetime free. The executive also not mentioned anything about charges.
Soon after i received my card, i moved to out of india and came back now. When i login to my hdfc portal, i noticed that rs 2, 500/ charged for membership fee and rs 450/- igst (I haven’t even used this card). My understanding was that i have to register utility bill, prior i started using it.
When i called hdfc customer care, they said what ever the charges applicable i should pay, and closed the ticket.
I could avoid taking card, if hdfc explains about the charges earlier itself. It make sense if they charge it if i am a defaulter. Here hdfc is utilizing the ignorance of the common people and charging huge amount - which is called cheating.
I decided to move away from hdfc (Bank account, hdfc life etc.). Was this information helpful? | 
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