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Unfair Charges on ICICI Coral RuPay Add-On Card – Need Clarification

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Maitri_Maniya

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I applied for an add-on ICICI Coral RuPay card last year by visiting the branch. At that time, the bank staff assured me that the add-on card is lifetime free with no charges. However, in my latest statement, I noticed that fees have been applied to both add-on cards.

What if the bank doesn’t agree that they informed me it was lifetime free? Unfortunately, I don’t have any email or call recordings since I trusted what the bank staff said.

How should I proceed to get these charges reversed? If the bank does not resolve this. what would be the best way to escalate the matter?
 
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Maitri_Maniya said:
I applied for an add-on ICICI Coral RuPay card last year by visiting the branch. At that time, the bank staff assured me that the add-on card is lifetime free with no charges. However, in my latest statement, I noticed that fees have been applied to both add-on cards.

What if the bank doesn’t agree that they informed me it was lifetime free? Unfortunately, I don’t have any email or call recordings since I trusted what the bank staff said.

How should I proceed to get these charges reversed? If the bank does not resolve this. what would be the best way to escalate the matter?
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ICICI changed their charges tnc in November ig at that time they had emailed everyone regarding addon charges kindly check your email you might've received it. If not then maybe you can try to raise a complaint against bank.
 
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theflash said:
ICICI changed their charges tnc in November ig at that time they had emailed everyone regarding addon charges kindly check your email you might've received it. If not then maybe you can try to raise a complaint against bank.
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But changing policy decision, and all of a sudden, putting charges on add on card, is it Fair!!!
Maitri_Maniya said:
I applied for an add-on ICICI Coral RuPay card last year by visiting the branch. At that time, the bank staff assured me that the add-on card is lifetime free with no charges. However, in my latest statement, I noticed that fees have been applied to both add-on cards.

What if the bank doesn’t agree that they informed me it was lifetime free? Unfortunately, I don’t have any email or call recordings since I trusted what the bank staff said.

How should I proceed to get these charges reversed? If the bank does not resolve this. what would be the best way to escalate the matter?
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How much they charged per add-on?
 
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hender said:
But changing policy decision, and all of a sudden, putting charges on add on card, is it Fair!!!
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That's surely unfair but also a different unrelated topic the bank did notify me so I'm aware and I did not opt for addon. At the end it's user's choice to avail the benefit of add-on by paying if they want to.
 
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theflash said:
That's surely unfair but also a different unrelated topic the bank did notify me so I'm aware and I did not opt for addon. At the end it's user's choice to avail the benefit of add-on by paying if they want to.
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Yes for new add-on, if you are aware about charges you can plan.
What about the old running add-on !! 5he charges levied only on new allotted or the older one also !!
 
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hender said:
Am asking about them only, if anyone is using 2-3-4 add-on previously, since long, Taking consideration all the economy.
All of a sudden the purpose of having free add-on disturb the intended purpose.
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Once bank has informed the changes in t&c, the customer has the option to discontinue the card. By not discontinuing, the customer gives the implicit consent to the changed T&c
 
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panchabhut said:
Once bank has informed the changes in t&c, the customer has the option to discontinue the card. By not discontinuing, the customer gives the implicit consent to the changed T&c
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That's true and fair enough, if that's the case.
But, here the OP says Life Time Free add-on card got converted to Paid one. Is that Fair enough 🤔
 
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hender said:
That's true and fair enough, if that's the case.
But, here the OP says Life Time Free add-on card got converted to Paid one. Is that Fair enough 🤔
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It's fair as per their tnc. They informed it well in advance as well. I also have 5-6 add-on cards with ICICI and planning to cancel them before the anniversary date to avoid rs.199 add-on yearly fee.
 
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hender said:
But, here the OP says Life Time Free add-on card got converted to Paid one. Is that Fair enough 🤔
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Maitri_Maniya said:
I applied for an add-on ICICI Coral RuPay card last year by visiting the branch. At that time, the bank staff assured me that the add-on card is lifetime free with no charges. However, in my latest statement, I noticed that fees have been applied to both add-on cards.
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The Add-On card was never Life Time Free. At the max you can call it Marketing by Branch employees OR assurances/ promises beyond their power as they never would have anticipated such a change by Senior Mgmt.

Now, Icici has already changed the MITC and introduced fees for Add-on Cards. Even Times Black Add-on costs a whooping ₹3,500.
 
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Talkwithfino said:
The Add-On card was never Life Time Free. At the max you can call it Marketing by Branch employees OR assurances/ promises beyond their power as they never would have anticipated such a change by Senior Mgmt.

Now, Icici has already changed the MITC and introduced fees for Add-on Cards. Even Times Black Add-on costs a whooping ₹3,500.
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Thanks for sharing.
3500 too much.
 
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Avishma1 said:
It's fair as per their tnc. They informed it well in advance as well. I also have 5-6 add-on cards with ICICI and planning to cancel them before the anniversary date to avoid rs.199 add-on yearly fee.
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I don't have ICICI, but as you said, they well informed, it's a good thing.
199 per add on with GST or fees is as per Card Variant?
 
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