Refund of Cash less Transaction
H'ble P M at the time of demonetisation had announced that Govt will give incentive for cashless transaction on fuel outlets @ .75% and it was available on all petrol pumps. I was surprised that this month when I received Card statement the rebate on account of cashless transaction was not given, though for the last 8 months such rebate was provided irrespective the refilling was done from the same outlet.On contacting customer care center as also bank's head office it was informed that such facility is available on Govt outlets only. Astonished to note this, as one has to be sure that for availing rebate on digital transaction at petrol pump , the outlet has to be Govt own ( i.e HPCL,IOC,BPCL). I am not aware that in a city , town or in remote Villages how many petrol pumps are Govt own, most of these are owned by dealers appointed by Govt own companies. The Govt own outlets may be one or very few in a big city and non in towns or in remote villages.
Next time, when I refueled my vehicle from the same outlet , the rebate was available on other bank's card ( other than HDFC ) . As such the argument given by HDFC bank does not hold good. Even the bank is not in a position to give any Govt. notification that such rebate is available only on Govt own outlets. more
Next time, when I refueled my vehicle from the same outlet , the rebate was available on other bank's card ( other than HDFC ) . As such the argument given by HDFC bank does not hold good. Even the bank is not in a position to give any Govt. notification that such rebate is available only on Govt own outlets. more
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Oct 31
Encouragement of cashless transactions is a must to avoid fake notes, black money and other problems in the country. This will also reduces the expenses to the exchequer on printing of notes. Such being the case, Banks are still charging for credit card/debit card transactions and online transactions. Further, costs of debit/credit cards should also be waived off. Thus Central Government should encourage the cashless transactions in all manner and save India from the serious problems of counterfeit notes, black marketing, black money. I have heard in some countries even small amounts are being paid through cards. Our people are to be educated in using the credit/debit cards. Guarantee/safety on such transactions be given. more
Sep 14
I doubt whether there is any government owned outlets even in big cities. Petroleum products are retailed through government approved privately owned outlets and the stipulated incentives are being passed on through the relative accounts by the respective banks/credit card companies. You may take up the matter with HDFC bank and the relative oil companies siting the examples of your cases. more
Aug 26
HDFC is the most illogical and unreasonable bank. They want to make max profits. They employ young guys with no training who can turn you off with simple arguments like our policy does not allow it. I had shared sometime back they refused to close an account, on my instructions, held jointly with my wife but operated as Either or Survivor. Wanted my wife to come and sign. On raising enough noise/asking for refusal in writing the young stud went to the supervisor and both of them apologised and closed the account. I am a banker and i could not be taken for a ride but what about others who do not all the banking jargon! HDFC/ICICI are notorious. more
Aug 25
