Virtual RuPay Credit Card Closure | HDFC Bank

[talk2rik]

I have been using the HDFC Virtual RuPay UPI Credit Card since July 2023, when I had no other RuPay card to use on a daily basis. Later, I got almost six other RuPay cards, both virtual and physical.

In July 2024, I observed that the HDFC Bank charged me ₹250 + 18% GST, ₹295 in total, where I was informed that it would be ₹99 + 18% GST only. Is there anyone else who has faced the same problem with this very card? What is the process to get a refund of the excess amount from the bank?

Also, I want to close the HDFC Virtual RuPay UPI Credit Card as I no longer use it. Do you think this is the appropriate decision?

 

[hitirfan]

Email the Escalation or Grievance Team

 

[TaxWiser]

I have been using the HDFC Virtual RuPay UPI Credit Card since July 2023, when I had no other RuPay card to use on a daily basis. Later, I got almost six other RuPay cards, both virtual and physical.

In July 2024, I observed that the HDFC Bank charged me ₹250 + 18% GST, ₹295 in total, where I was informed that it would be ₹99 + 18% GST only. Is there anyone else who has faced the same problem with this very card? What is the process to get a refund of the excess amount from the bank?

Also, I want to close the HDFC Virtual RuPay UPI Credit Card as I no longer use it. Do you think this is the appropriate decision?

Yes, it's an appropriate decision.
Use AI to write an professional email regarding the same and send it

 

[GURUWALKE]

I have been using the HDFC Virtual RuPay UPI Credit Card since July 2023, when I had no other RuPay card to use on a daily basis. Later, I got almost six other RuPay cards, both virtual and physical.

In July 2024, I observed that the HDFC Bank charged me ₹250 + 18% GST, ₹295 in total, where I was informed that it would be ₹99 + 18% GST only. Is there anyone else who has faced the same problem with this very card? What is the process to get a refund of the excess amount from the bank?

Also, I want to close the HDFC Virtual RuPay UPI Credit Card as I no longer use it. Do you think this is the appropriate decision?

U can close Credit using Hdfc mycards Link

 

[credit_master]

U should try other banks rupay credit card instead of HDFC .

 

[krishna1718]

use close card option in my cards and its useless card

 

[talk2rik]

Yes, it's an appropriate decision.
Use AI to write an professional email regarding the same and send it.

Thank you, TaxWiser, for your advice. I sent them mail that very day and got the following response a few minutes back.

Dear Mr. Roy,

Kindly note the unique reference number for this correspondence is 644XXXXX.

This is in continuation to our interim dated January 15, 2025 requesting your HDFC bank credit card.

Being fully sensitized to your concern raised regarding the membership fee on your UPI card, we had taken this up for an appropriate review and wish to confirm that the Membership fee of Rs.250.00 plus GST has been levied as per guidelines / product features.

However, basis your request and as one time exception, we have reversed the membership fee of Rs.250.00 along with the associated GST of Rs.45.00 and the reversal credit will reflect in subsequent statement.

Further, we request you to achieve the required spends in future to avoid levy of membership fee in subsequent statement. We seek your earnest understanding and co-operation in this regard.

Please feel free to write to us at : grievance.redressalcc@hdfcbank.com for further assistance / clarifications that you may require in this regard.

Assuring you of our best services at all times.

But now, as the others suggested, I'm going to close the card within 2 months, just before the financial year-end. I guess, that will lead me to get a better card at that time!