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HDFC Swiggy Credit Card LTF

BiggBoss

TF Select
So I applied for an HDFC Swiggy credit card, and I got the card. I already have a Millenia card, so the Swiggy card is a floater card only. I requested LTF through email, and they rejected, and i escalated again they rejected, and i escalated to Grievance Redressal, and they replied

This is with reference to your e-mail dated October 14, 2024 regarding your HDFC Bank credit card account.



It is unfortunate to note that your recent interactions with the bank have not been to your satisfaction and we regret the inconvenience caused to you in this regard. We assure you that it is our constant endeavour to provide outstanding service to you and ensure that your banking experience with us is always pleasurable.


We wish to confirm that a lifetime free credit card shall be issued only based on pre-approved or on-going offers, at the time of card application. We observe that your credit card bearing number XXXX was issued during September 2024 as a first year free card basis your online application. We would like to confirm that the applicability of the annual renewal fee was part of the Terms and Conditions. Also, we wish to confirm that the membership fee was detailed in our product feature panel within the Net Banking application form.



The renewal fee for Rs.500.00 plus GST (Goods and Service Tax) at 18% is applicable from second year onwards which shall be waived upon incurring spends for Rs.2,00,000.00 or more in previous year.

So can I raise it to PNO?
Note: I got the card 1 week ago, and it's not activated yet.
 
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