Unfair Credit Card Charge: HDFC Payment Gateway and IDFC Bank (Income Tax Payment)

[itsud]

I recently made a large online payment of ₹10 lakh towards Advance Tax on the Income Tax website through my IDFC Vistara Credit Card using the HDFC Payment Gateway.

The issue:

• The OTP I received was for exactly ₹10 lakh.
• However, a few days later, I discovered an additional charge of ₹9,441 added to my original transacted amount of ₹10 lakh credit card bill.
• This charge was a "convenience fee" levied by the HDFC Payment Gateway which they did not levy at time of transaction done.

The problem:

• This fee was not mentioned upfront during the transaction process, SMS received and even on the page where we submit the OTP to process the payment.
• The OTP verification was solely for the base amount of ₹10 lakh, not the total amount.

This is highly misleading and unfair. The only point I see fighting for is that as a consumer, I should have been made aware of all charges at the time of authorizing the transaction. The bank should have taken OTP for ₹10,09,441 and not only for ₹10 lakh. How can they charge fees after the transaction has been done?

I'm seeking advice on how to dispute this charge. Any suggestions or help would be greatly appreciated.


IDFC Website CC Transactions page:



SMS received to authorize transaction mentioning only Rs 10 lakh and no extra convenience fees:

 

[TechnoFinoTechnoFino is verified member.]

Transaction charges are mentioned on ITD website.

 

[itsud]

Transaction charges are mentioned on ITD website.

View attachment 74501

I know the charges ar ementioned but shouldn't they be included in the final payment option, i.e. the total before entering OTP should have been ₹10,0,9,441? The whole point is how can TRANSACTION AMOUNT and BILLING AMOUNT be different?