Applied for DCB LTF but received a paid one!

[dapatale]

Recently got my DCB card with limit of 500000 rs. i am also having preferred banking with hdfc
I applied for the card through the link received in massange and email.
while applying it was showing as 0 CHAGES AND STRIKE OUT 10000RS. After receiving the card I checked that term's and conditions says charges of 10k.just to reconfirm I called CC and they also said same chargee.
Please guide what should I do. In last 10 days i have already spent 1lac rs on this card to achieve 1.5lac in 90days to atleast avoid first year fee. I am already holding 7 card and spending 5lac to get fee waver is not possible.
Should I keep the card or pay the due amount and ask for closure of this card. Any other way to get it converted to LTF varient.

 

[Harry1]

Another person got hunted by HDFC's misleading ad.

 

[Patil007]

Another person got hunted by HDFC's misleading ad.

Yes. They did it to me thrice 😏

 

[Rahul Gupta]

Recently got my DCB card with limit of 500000 rs. i am also having preferred banking with hdfc
I applied for the card through the link received in massange and email.
while applying it was showing as 0 CHAGES AND STRIKE OUT 10000RS. After receiving the card I checked that term's and conditions says charges of 10k.just to reconfirm I called CC and they also said same chargee.
Please guide what should I do. In last 10 days i have already spent 1lac rs on this card to achieve 1.5lac in 90days to atleast avoid first year fee. I am already holding 7 card and spending 5lac to get fee waver is not possible.
Should I keep the card or pay the due amount and ask for closure of this card. Any other way to get it converted to LTF varient.

Only way to make it LTF is via alumni program or you can drop a mail to Grievance.Redressal@hdfcbank.com and explain them your situation and ask them to degrade your card to ragalia LTF.

 

[dapatale]

Only way to make it LTF is via alumni program or you can drop a mail to Grievance.Redressal@hdfcbank.com and explain them your situation and ask them to degrade your card to ragalia LTF.

thanks will write a mail to make LTF or downgrade to regalia

 

[kkk]

Recently got my DCB card with limit of 500000 rs. i am also having preferred banking with hdfc
I applied for the card through the link received in massange and email.
while applying it was showing as 0 CHAGES AND STRIKE OUT 10000RS. After receiving the card I checked that term's and conditions says charges of 10k.just to reconfirm I called CC and they also said same chargee.
Please guide what should I do. In last 10 days i have already spent 1lac rs on this card to achieve 1.5lac in 90days to atleast avoid first year fee. I am already holding 7 card and spending 5lac to get fee waver is not possible.
Should I keep the card or pay the due amount and ask for closure of this card. Any other way to get it converted to LTF varient.

Use for a year. You have already did transaction of Rs. 1 lakh. So, another 50k will reverse your first year fee. After a year, degrade or close the card.

 

[TheMentalist]

Recently got my DCB card with limit of 500000 rs. i am also having preferred banking with hdfc
I applied for the card through the link received in massange and email.
while applying it was showing as 0 CHAGES AND STRIKE OUT 10000RS. After receiving the card I checked that term's and conditions says charges of 10k.just to reconfirm I called CC and they also said same chargee.
Please guide what should I do. In last 10 days i have already spent 1lac rs on this card to achieve 1.5lac in 90days to atleast avoid first year fee. I am already holding 7 card and spending 5lac to get fee waver is not possible.
Should I keep the card or pay the due amount and ask for closure of this card. Any other way to get it converted to LTF varient.

In the attached image, there is an asterisk over Lifetime Free Card. What does it say there?

 

[blacktiger]

Recently got my DCB card with limit of 500000 rs. i am also having preferred banking with hdfc
I applied for the card through the link received in massange and email.
while applying it was showing as 0 CHAGES AND STRIKE OUT 10000RS. After receiving the card I checked that term's and conditions says charges of 10k.just to reconfirm I called CC and they also said same chargee.
Please guide what should I do. In last 10 days i have already spent 1lac rs on this card to achieve 1.5lac in 90days to atleast avoid first year fee. I am already holding 7 card and spending 5lac to get fee waver is not possible.
Should I keep the card or pay the due amount and ask for closure of this card. Any other way to get it converted to LTF varient.

get written statement in email whether its ltf or not.

 

[blacktiger]

In the attached image, there is an asterisk over Lifetime Free Card. What does it say there?

terms and conditions may apply😅

 

[dapatale]

In the attached image, there is an asterisk over Lifetime Free Card. What does it say there?

on application page it was clearly written zero charge and 10000 was strikes out.

 

[Tosh]

Theres a similar thread floating around for infinia offer as well. Apparently HDFC strikes out annual fees even for spend based wavier.

So it's a good practice to get it confirmed before applying. But now that you have the card with you try escalating and ask for LTF downgrade to Regalia if they are not giving DCB after 1 year

 

[TheMentalist]

on application page it was clearly written zero charge and 10000 was strikes out.

yeah, but just below that it also mentions the condition(s) for striking out that fees. Might be a spend based waiver, which is 5L for every year

 

[AsB]

Recently got my DCB card with limit of 500000 rs. i am also having preferred banking with hdfc
I applied for the card through the link received in massange and email.
while applying it was showing as 0 CHAGES AND STRIKE OUT 10000RS. After receiving the card I checked that term's and conditions says charges of 10k.just to reconfirm I called CC and they also said same chargee.
Please guide what should I do. In last 10 days i have already spent 1lac rs on this card to achieve 1.5lac in 90days to atleast avoid first year fee. I am already holding 7 card and spending 5lac to get fee waver is not possible.
Should I keep the card or pay the due amount and ask for closure of this card. Any other way to get it converted to LTF varient.

If your card was advertised as LTF (Rs 0 charges) while applying, it is very likely that your card is LTF. Customer Care cannot check the LTF status until 90 days.
You can send an email to cards.services@hdfcbank.com (plz reconfirm the mail), and explain the situation that card was showing LTF while applying. They will most likely give a confirmed answer.