I got the bill amount 9428/- but I paid only 9100/- to them because of some other payment was also expected to this account, due to some reason that payment couldn’t credited. That’s why I got balance of 328/- but this bank charged interest on full amount i.e. 9428/- and told me that you haven’t pay the full bill that’s why we are charging interest on total bill amount from the date of last payment made to this account that was before the due date.
I have CC of other banks also but no other bank has such a bad interest rate calculation process.Also they have very bad customer service and too many hidden fee, they will tell about many offer and all but when you will ask for this to merchant they will tell I am not part of tata group this card is valid only on tata owned retail shop which you can rarely find in your city like Pune except CROMA.So in every manner this is just like a cheating with customer. Thanks and please re-think before accepting this card.