I took this card expecting a lot. First the guds:
The fuel surcharge waiver is a good option esp for people who have 4 wheelers . it gives a lot of convenience to customers
The rewards program is great lots of gifts and prompt service. The online interface is good , its not too difficult for a customer to use it .
They come out with periodic offers , which are pretty much acceptable. The probs now. Well like most of the credit card lots of their clauses are hazy . I once tried to book a ticket in irctc, the transaction failed . This means this trans didnt happen .
What hsbc did was that there was debit transaction of 4600 odd ( they anyway have charged few hundreds more than the actual ticket cost) , but for the failed transaction the credit came to 4500 odd rs. I was confused at seeing this. Why shud I be paying extra for a transaction that didnt happen ?