HDFC bank Reaglia Credit card wrongly levies fees and charges to the customer. when the customer demands refund, they refund the charges, but do not refund the GST levied on the charges saying it is paid to the Govt. GST charges due can be netted out over the entire book, so technically HDFC bank is collecting GST from customers and using it to pay other GST dues, effectively gobbling up the GST charges. Thus, the bank is using the Govt GST to increase their other income. They are clearly aware of the benefit they are drawing. Just because the customer may buy the story that GST is paid to the Govt and hence not refundable, they are gobbling up the GST. I am wondering why the same cannot be classified as a fraud done by a smart bank?