Axis Upgraded me without consent! Help!

[Sunny96]

I am having a AXIS My Zone LTF Card, today I have got a message that I have been upgraded to SELECT card which i believe is 3000/YR. So I called Customer Care and they said they are taking complaint for cancellation of new card but didnt give a complaint number even when I insisted. Then I got another message with tracking id details. How can they force me to take a card like that ? What are my options now? Should I reject the courier?

 

[4uziaul]

bro i am going to apply vistara infinite card tomorrow if i received the card then i will see the limit is 3 lakhs or not if no i will not activate that card will i pay joining fee for Axis Bank?

Technically you shouldn't be paying anything until and unless you haven't activated the card.

 

[Sunny96]

They have already sent you the statement? How is that even possible 😂

Raise a complaint to PNO their customer care is worthless.

They charged on 9th and dispatched the card on 11th so its possible....I dont know if its legal or not

 

[Odugu Narasimha Rao]

View attachment 17382

They charged on 9th and dispatched the card on 11th so its possible....I dont know if its legal or not

wow what a bank

 

[4uziaul]

View attachment 17382

They charged on 9th and dispatched the card on 11th so its possible....I dont know if its legal or not

Now I understand, they did it because you already hold an existing relationship with them. Raise a complaint asap and get it reversed.

 

[AllSeeker]

As per RBI guidelines no one can charge you anything if you have not activated the card, this is also why they try to trick (almost) users in activating cards by giving activation benefits.

If PNO doesn't respond complain on tweeter with the same ss you have posted here. Tag everyone from axis and rbi.

 

[Sunny96]

They have again dispatched the card again after all the complaints / escalations. Oh boy they do wanna sell their card badly and the reason is that there isn't much benefit as compare to myzone but difference of 3000 in fees is huge.

I found this RBI notification relating to issuing credit card without written consent.

6.1 Right to privacy

a. Unsolicited cards should not be issued. In case, an unsolicited card is issued and activated without the written consent of the recipient and the latter is billed for the same, the card issuing bank shall not only reverse the charges forthwith, but also pay a penalty without demur to the recipient amounting to twice the value of the charges reversed.

b. In addition, the person in whose name the card is issued can also approach the Banking Ombudsman who would determine the amount of compensation payable by the bank to the recipient of the unsolicited card as per the provisions of the Banking Ombudsman Scheme 2006 i.e., for loss of complainant’s time, expenses incurred, harassment and mental anguish suffered by him.​

 

[thanix]

They have again dispatched the card again after all the complaints / escalations. Oh boy they do wanna sell their card badly and the reason is that there isn't much benefit as compare to myzone but difference of 3000 in fees is huge.

I found this RBI notification relating to issuing credit card without written consent.

Hope you have all communications in email. This is ridiculous to send the card again instead of cancellation.

Is your old card active?

 

[Sunny96]

Hope you have all communications in email. This is ridiculous to send the card again instead of cancellation.

Is your old card active?

Yes its active but its suppose to get auto deactive in 45 days

 

[Sunny96]

If anyone has a card upgrade offer showing in app, if you click upgrade does it asks for mpin or show you any other option. can someone pls share a screen recording if its asking for mpin ? (you dont have to enter mpin and continue of course)