Yes, they are totally rip off. I wanted to exchange a regular SD card with that of a micro SD card. As per their website exchange policy, they were to give the credit note.
But after calling 4 times, I was told that they I will have to ship the old card back to them bearing the cost and then they will deduct 10% as stocking charges (not even mentioned on the website) and then they will issue the credit note, using that I will have to purchase the new micro SD card.
It was my mistake to buy from Infibeam.