HDFC is denying bonus reward points for Dineout transaction using Swiggy app for Diners Club Privilege, when asked for which TnC supports their stance multiple times got the same reply from escalation.cc, after weeks of waiting:
At first they said since Dineout HDFC Card offer was already applied, it won't be eligible for bonus RP. But DCP doesn't have specific Dineout offer and falls under other credit card offer. No mention of this exclusion in Offer TnC and DCP TnC and MITC afaik. HDFC refused to point out any official document, which affirms my view.
There were multiple transactions, and HDFC posted points for the first small one stating it as an exemption (after a bit of fighting), but when I asked again for other big transaction they stalled reply for more than a month just to reject it.
Im thinking of going to RBI Ombudsman now, since it had been more than 2 months of fighting on email and have clear rejection message from HDFC escalation.cc. Btw grievance.redressalcc@hdfcbank.com didnt reply to me at all. I have multiple mails, and HDFC not replying but starting a new mail thread is frustrating. How should I organise my multiple mails to different levels?
What kind of compensation should I demand, if any? Category of complaint? I tried to file complaint once but was slumped due to 14 digits of DCP, not realising to append 2 0s in the beginning 😅. Is the account number the one from Credit Report?
This will be first time Im going to RBI BO so any advice would be appreciated 👍. Also let me know if Im missing something. TIA.
We conducted detailed review and regret to inform that we are unable to post reward points.
At first they said since Dineout HDFC Card offer was already applied, it won't be eligible for bonus RP. But DCP doesn't have specific Dineout offer and falls under other credit card offer. No mention of this exclusion in Offer TnC and DCP TnC and MITC afaik. HDFC refused to point out any official document, which affirms my view.
There were multiple transactions, and HDFC posted points for the first small one stating it as an exemption (after a bit of fighting), but when I asked again for other big transaction they stalled reply for more than a month just to reject it.
Im thinking of going to RBI Ombudsman now, since it had been more than 2 months of fighting on email and have clear rejection message from HDFC escalation.cc. Btw grievance.redressalcc@hdfcbank.com didnt reply to me at all. I have multiple mails, and HDFC not replying but starting a new mail thread is frustrating. How should I organise my multiple mails to different levels?
What kind of compensation should I demand, if any? Category of complaint? I tried to file complaint once but was slumped due to 14 digits of DCP, not realising to append 2 0s in the beginning 😅. Is the account number the one from Credit Report?
This will be first time Im going to RBI BO so any advice would be appreciated 👍. Also let me know if Im missing something. TIA.