iNokia
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Abhishek bhai only topper in rupay card posts.Aaj ka hone se kya hua tum late ho š¤
Yeh Visa card mein slow ho jate hai.
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Abhishek bhai only topper in rupay card posts.Aaj ka hone se kya hua tum late ho š¤
Tell him that he would get extra compensation too.I sent this thread to him and asked to fight. He said, nai ho payega mujhse... (jokes a part)
He fought over email, call but ICICI did not agree to unblock the card and release reward points..
Oh, Karma!!! Thou art a heartless bit*h šSituation Right Now:
Why district consumer grievance redressal? And not RBI banking ombudsman? Can anyone explain? @Abhishek012Case:
In an interesting legal dispute, ICICI Bank was recently mandated to compensate a customer from Chennai who was denied reward points. Following the customer's fight, the bank awarded Rs 41,691 in reward points and an additional Rs 35,000 for service deficiency. This ruling underscores consumers' entitlement to seek compensation for subpar services.
Facts of the Case:
The dispute arose when D Sylvester Arokiaraj made a jewelry purchase worth Rs 8.89 lakh on Amazon using his ICICI credit card in March 2021. According to the online retailer's offer, Arokiaraj was entitled to receive 41,961 reward points, equivalent to Rs 41,961. However, these points were not reflected in his monthly bank statement.
Despite Arokiaraj's repeated complaints, ICICI Bank failed to provide a satisfactory explanation. Two weeks later, his credit card was unexpectedly blocked without prior notice. Arokiaraj then filed a petition with the District (Kancheepuram) Consumer Disputes Grievance Redressal Commission, asserting that the transaction was purely for personal use and did not result in any outstanding payment default.
In response to the petition, ICICI Bank informed Arokiaraj that the card was blocked and reward points were withheld because the purchase was categorized as 'business or commercial' use. The bank contended that gold purchases on Amazon were not eligible for rewards. However, Arokiaraj argued before the commission that the transaction was indeed for personal use and did not violate any terms.
Decision of the Court:
After the bank's lack of response to subsequent complaints and failure to appear before the commission, the commission decided to address Arokiaraj's complaint and ordered ICICI Bank to compensate him for the denied reward points and the inconvenience caused. In total, the bank was directed to pay Rs 76,691 as compensation.
I have said it before and saying it again. ICICI is the WORST bank of India.Case:
In an interesting legal dispute, ICICI Bank was recently mandated to compensate a customer from Chennai who was denied reward points. Following the customer's fight, the bank awarded Rs 41,691 in reward points and an additional Rs 35,000 for service deficiency. This ruling underscores consumers' entitlement to seek compensation for subpar services.
Facts of the Case:
The dispute arose when D Sylvester Arokiaraj made a jewelry purchase worth Rs 8.89 lakh on Amazon using his ICICI credit card in March 2021. According to the online retailer's offer, Arokiaraj was entitled to receive 41,961 reward points, equivalent to Rs 41,961. However, these points were not reflected in his monthly bank statement.
Despite Arokiaraj's repeated complaints, ICICI Bank failed to provide a satisfactory explanation. Two weeks later, his credit card was unexpectedly blocked without prior notice. Arokiaraj then filed a petition with the District (Kancheepuram) Consumer Disputes Grievance Redressal Commission, asserting that the transaction was purely for personal use and did not result in any outstanding payment default.
In response to the petition, ICICI Bank informed Arokiaraj that the card was blocked and reward points were withheld because the purchase was categorized as 'business or commercial' use. The bank contended that gold purchases on Amazon were not eligible for rewards. However, Arokiaraj argued before the commission that the transaction was indeed for personal use and did not violate any terms.
Decision of the Court:
After the bank's lack of response to subsequent complaints and failure to appear before the commission, the commission decided to address Arokiaraj's complaint and ordered ICICI Bank to compensate him for the denied reward points and the inconvenience caused. In total, the bank was directed to pay Rs 76,691 as compensation.
True that. I've read more negative reviews for ICICI than HDFC online. Even personally, my dad's experience wasn't so great, especially with his home branch, which is located in a Tier-1 city. The only thing ICICI is praised for, is the availability of options that can be done online.I have said it before and saying it again. ICICI is the WORST bank of India.
This is always subjective. A friend of mine by the grace of god has found a great Axis branch nearby, I mean they actually go out of the way to help him (and it's not like he has a lot of money with them) they even came to his house for collecting some low-value cheques. I didn't believe him until one fine day I happened to meet the banker at his house, I jokingly told him "Bhai tm log axis se hi ho na?". Anyway point is everything is subjective, just see what's good for you and always be vigilant. Similarly, I have two ICICI accounts in two different branches. Night and Day diff between the two. The whole point of opening the second account was my sheer luck when I found a great branch in one of the corners of my city.I have said it before and saying it again. ICICI is the WORST bank of India.
Now it makes me anxious. I got the ICICI Amazon Pay credit card in August, and this month, I've spent more than ā¹95K ā wherein I've made two big purchases of large appliances for personal use. And the total number of transactions are around 30+, mostly done on Amazon during the Great Indian Sale.Case:
In an interesting legal dispute, ICICI Bank was recently mandated to compensate a customer from Chennai who was denied reward points. Following the customer's fight, the bank awarded Rs 41,691 in reward points and an additional Rs 35,000 for service deficiency. This ruling underscores consumers' entitlement to seek compensation for subpar services.
Facts of the Case:
The dispute arose when D Sylvester Arokiaraj made a jewelry purchase worth Rs 8.89 lakh on Amazon using his ICICI credit card in March 2021. According to the online retailer's offer, Arokiaraj was entitled to receive 41,961 reward points, equivalent to Rs 41,961. However, these points were not reflected in his monthly bank statement.
Despite Arokiaraj's repeated complaints, ICICI Bank failed to provide a satisfactory explanation. Two weeks later, his credit card was unexpectedly blocked without prior notice. Arokiaraj then filed a petition with the District (Kancheepuram) Consumer Disputes Grievance Redressal Commission, asserting that the transaction was purely for personal use and did not result in any outstanding payment default.
In response to the petition, ICICI Bank informed Arokiaraj that the card was blocked and reward points were withheld because the purchase was categorized as 'business or commercial' use. The bank contended that gold purchases on Amazon were not eligible for rewards. However, Arokiaraj argued before the commission that the transaction was indeed for personal use and did not violate any terms.
Decision of the Court:
After the bank's lack of response to subsequent complaints and failure to appear before the commission, the commission decided to address Arokiaraj's complaint and ordered ICICI Bank to compensate him for the denied reward points and the inconvenience caused. In total, the bank was directed to pay Rs 76,691 as compensation.
I have got 5k cashback without any issues. I don't think you have to worry about such an amount. Again, the plaintiff bought 8.5L worth of stuff which should have raised concerns but ICICI should have credited the rewards after some basic checks or just cap the monthly rewards to say 10k and publish it in MITC of the card.Now it makes me anxious. I got the ICICI Amazon Pay credit card in August, and this month during the Amazon Great Indian Sale, I've spent more than ā¹95K on Amazon ā wherein I've made two big purchases of large appliance for personal use. And the total number of transactions are around 30+, mostly done on Amazon.
The total cashback amount I've calculated would come around ā¹4.2K. Now I'm anxious whether they would provide this cashback or not.
Hope they don't put an absurd limit like ā¹1000 per month or so. šICICI should put a limit instead of allowing unlimited
Last time couple of years back, CC told me limit is of 10k, or someone mentioned somewhere regarding 8K, 4-5k there wont be any issueNow it makes me anxious. I got the ICICI Amazon Pay credit card in August, and this month, I've spent more than ā¹95K ā wherein I've made two big purchases of large appliances for personal use. And the total number of transactions are around 30+, mostly done on Amazon during the Great Indian Sale.
The total cashback amount I've calculated would come around ā¹4.2K. Now I'm anxious whether they would provide this cashback or not.
there is already undisclosed limit, go up to 10k and Tada.. card will be blocked and last reward will be vanishedICICI should put a limit instead of allowing unlimited
If ā¹10,000 is the undisclosed limit, then that means ā¹2,00,000 should be the minimum amount for the transaction (Considering it is done on Amazon with a reward rate of 5%.)there is already undisclosed limit, go up to 10k and Tada.. card will be blocked and last reward will be vanished
Buy with 10% discount instead during sale period. SAD but this is only waySo what would happen if I purchase an expensive gadget like an expensive laptop or a phone worth ā¹2L? Matlab cashback bhi gaya aur card bhi? That sounds awful if that's true.
They offer limit increases like no tomorrow. But if you actually use it, you suddenly become a bijinuss man in their eyes. šIf ā¹10,000 is the undisclosed limit, then that means ā¹2,00,000 should be the minimum amount for the transaction (Considering it is done on Amazon with a reward rate of 5%.)
So what would happen if I purchase an expensive gadget like an expensive laptop or a phone worth ā¹2L? Matlab cashback bhi gaya aur card bhi? That sounds awful if that's true.
Sorry to read about your poor experience. I'll avoid this Amazon Pay card for large expenses then. Thanks for telling about your experiences, folks.That's irony, few years back I had to call customer care and inform that I will be swiping card in hometown for jewelry (sisters wedding).
the merchant charged extra 2% rewards dint get credited, only solace was transaction going through (avoided embarrassment in front of family)
aeise Bahut experience he Icici ke saath
No, you should do and fight for your right. MeowSorry to read about your poor experience. I'll avoid this Amazon Pay card for large expenses then. Thanks for telling about your experiences, folks.