HDFC for me is more than a fraud organisation. I own a corporate account with this bank, as we are promised 150% commitment by their agents when we open account. They say as if HDFC will charge 200 inr (most of private sector banks have a baffling term called hidden charges), these people for sure will fill our account with money from their pocket..Let’s keep these things aside, and go inside the real service provided by them..
1- With salary account we get free demat account with zero maintenance charge for 1st year..
For me the case was bit different.. I was charged not only 550 inr for 1st year, but also twice the amount. After calling customer care for 4 to 5 times, somehow they were able to know the real fact and promised me to reverse the amount (1100 INR).After one month the requested amount was creited to my account. I felt like conquering mount everest, , for the fact that(we have a general concept that money leaves ur pocket in second’s time but the same money fills ur pocket in month’s time).
2- Let’s take the case of credit card. I was issued with HDFC gold credit card .For first couple of months the billing was fine and no hidden charges were applied .I thought at least they have a product with proper functionality. Next month I got 12786 inr billed amount (i only shopped for 11000 inr).To me it was a shock as I have to spend again 30 minutes with bunch of customer care jokers. When I enquired the same I found I was charged with prepayment penalty which I never tried .The fact is that why should I pay the money in adv to them even before DUE date. Thanks god I know something about credit cards( I wrote some lines of code in credit card module in my first job).It was a mistake from their side, , so again my hard-earned money was corrected by them..
In both the cases I was lucky to get my money back. So pls choose the correct product for ur hard- earned money.