Atually i didn,t got the cashback also and card is blocked and taged as for commercial purpose

[vikesh]

Atually i ordered 10 to15 phones in the month of festival of diwali from amazon (by amazon pay icici card) with my own id for my friends and families as we only take prime subscription so that it not cost that much, but the bank didn't gave the cashback also and they blocked the card also and when the bill is generated i paid the full amount even extra aslo all that cashback amount and extra paid amount stucked. they send me the mail as in the attachment below.
Please give any solution..

 

[amitvicky]

Did you reply to this email explaining that this is a family purchase and not a business transaction?
Also, are you a business owner or a salaried person.
If you are salaried then you can mention that as well.

 

[vikesh]

i had replied it yesterday and explained all over there but they didn't replied back till now. i am salaried person.

 

[CApratap]

Atually i ordered 10 to15 phones in the month of festival of diwali from amazon (by amazon pay icici card) with my own id for my friends and families as we only take prime subscription so that it not cost that much, but the bank didn't gave the cashback also and they blocked the card also and when the bill is generated i paid the full amount even extra aslo all that cashback amount and extra paid amount stucked. they send me the mail as in the attachment below.
Please give any solution..

Yes,if cashback is more than 5% of credit limit it is blocked by service provider and cashback is also cancelled.But you have to communicate with Bank if you really did not use for mobile bookings.If it is used for self use you can submit invoices to them and clarify or if it is used for resale then no chance of cashback and card will get blocked.

 

[amitvicky]

Yes,if cashback is more than 5% of credit limit it is blocked by service provider and cashback is also cancelled.But you have to communicate with Bank if you really did not use for mobile bookings.If it is used for self use you can submit invoices to them and clarify or if it is used for resale then no chance of cashback and card will get blocked.

I don't think there is any rule of cashback more than 5% of credit limit will impact card and or will be cancelled.

My limit of axis Flipkart was 19k and I had to order things by paying amount in between so refresh the available balance
Many times my cashback for a cycle was more than 1000 which was more than 5% of credit card limit of 19k.

 

[amitvicky]

i had replied it yesterday and explained all over there but they didn't replied back till now. i am salaried person.

Let's hope for the best
Please keep us informed.

 

[CApratap]

I don't think there is any rule of cashback more than 5% of credit limit will impact card and or will be cancelled.

My limit of axis Flipkart was 19k and I had to order things by paying amount in between so refresh the available balance
Many times my cashback for a cycle was more than 1000 which was more than 5% of credit card limit of 19k.

Yeah there is no rule of 5% but it is clearly mentioned in t&c that card will be used for personal use and you use it for commercial use so there is no possibility you get cashback and in future they never issue you cashback card..

 

[vikesh]

I submitted all the invoices as their is no gst claimed on any of the invoice (that means no commercial use) yhis is huge proof of personal use,so i thought their is possibility of getting activated back they are saying its already blocked and he also cannot activate. please help me with it where to raise the concern of it.

 

[abhimarda]

10 to 15 phones are not for personal use. If you start buying for friends and relatives that's precisely commercial. And there is no way to say if you were not selling them...probably at a slightly lower price than market with 5% discount you get on card. Those people should have taken the card and bought for themselves. I guess apply for another card which is similar..SBI Cashback card or Swiggy HDFC and use it for personal use only.

 

[Max_spayne]

10 to 15 phones are not for personal use. If you start buying for friends and relatives that's precisely commercial. And there is no way to say if you were not selling them...probably at a slightly lower price than market with 5% discount you get on card. Those people should have taken the card and bought for themselves. I guess apply for another card which is similar..SBI Cashback card or Swiggy HDFC and use it for personal use only.

I'm glad someone finally addressed the elephant in the room. Nobody buying that many phones online, does so for personal use. Moreover, is it 10 or 15? It's not that difficult to find out how many phones were actually ordered. Usages like these have paved way for the so called FUPs by issues

 

[Deepak Singh Dhurwey]

Don't buy for others.... even if they are relatives.... buy only for family members... because it can considered as your income and expenses which can later on attract Income Tax with penalities... Buying 10 or 15 phone in one financial year..... is not justifiable to them....