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Submit your complaint →Kashish Kumar Bhanvarasiya, a BFSI professional, has accused HDFC Bank and Tata Neu Credit Card of misleading him about his credit limit. Despite verbal assurances of a ₹2–5 lakh limit, he received only ₹66,000. Choice4Voice.com reviews the case, explains applicable consumer rights, and guides users on how to file complaints in similar cases.
Complaint Summary
| Complainant Name | Kashish Kumar Bhanvarasiya |
|---|---|
| Designation | Credit Analyst |
| Industry | BFSI |
| Complaint Against | HDFC Bank & Tata Neu Credit Card |
| Issue Type | Misleading Sales Assurance / Low Credit Limit |
| Promised Limit | ₹2,00,000 – ₹5,00,000 |
| Received Limit | ₹66,000 |
| Posted On | |
| Status | Awaiting Response from HDFC Bank / Tata Neu |
Full Complaint Details
Kashish Kumar Bhanvarasiya, a BFSI professional and Credit Analyst, recently shared his disappointment with the Tata Neu Credit Card issued by HDFC Bank. According to his LinkedIn post, the sales representative assured him multiple times that his credit limit would fall between ₹2,00,000 and ₹5,00,000 based on his income profile and existing credit cards worth ₹1 lakh combined.
However, after card activation, the actual limit sanctioned was only ₹66,000, far below the discussed range. Kashish claims he had explicitly informed the representative that he would apply only if the limit exceeded ₹2 lakh — an assurance that was clearly not honored.
He requested HDFC Bank and Tata Neu to either revise his credit limit as per the sales commitment or close the card without affecting his CIBIL score.
Kashish emphasized that such incidents damage customer trust and called for more transparency in credit card sales communication, especially from reputed financial institutions.
Legal Case Can Be Filed
Based on the information provided, the following legal and regulatory provisions may apply:
| Applicable Authority / Legal Section | Description |
|---|---|
| Consumer Protection Act, 2019 | Misleading promises and false sales assurances qualify as “unfair trade practices”. A complaint can be filed with the District Consumer Commission. |
| RBI – Fair Practices Code for Banks | RBI mandates transparent communication in credit card issuance. Misrepresentation by bank agents can attract penalties and investigation. |
| Banking Ombudsman Scheme, 2021 | Allows customers to file complaints regarding unfair banking practices, including mis-selling of credit products. |
| Indian Contract Act, 1872 | Misrepresentation during agreement formation can make the contract voidable at the discretion of the consumer. |
How Choice4Voice.com Can Help
At Choice4Voice.com, we support consumers whose grievances are ignored or mishandled by companies. Our process includes:
- Verification of the complaint with supporting documents.
- Public publication of verified complaints on our website and LinkedIn.
- Tagging company officials and regulators to increase pressure for action.
- Guidance on filing complaints with RBI Ombudsman and consumer forums.
If you have faced similar issues with HDFC Bank, Tata Neu, or any other credit card issuer, submit your case through our Choice4Voice Complaint Form to have your voice amplified.
Step-by-Step Guide to File a Complaint Against HDFC Bank or Tata Neu
- Contact HDFC Credit Card Support
- Email: support@hdfcbank.com
- Mention full details of your credit card and attach proof of misrepresentation.
- Escalate to HDFC Grievance Redressal Officer
- Visit HDFC Bank Grievance Redressal Page
- Select Credit Cards and escalate to higher authority if no reply within 7 days.
- File with the RBI Banking Ombudsman
- Visit https://cms.rbi.org.in
- File under “Mis-selling or unfair banking practices.”
- Approach the Consumer Forum
- File a case under Consumer Protection Act, 2019 via https://edaakhil.nic.in.
- Attach written proof of sales assurance or correspondence.
Pre-Drafted Complaint Templates
1. Email to HDFC Bank / Tata Neu
Subject: Misleading Credit Limit Assurance – Tata Neu Credit Card
Dear HDFC Bank / Tata Neu Credit Card Team,
I applied for the Tata Neu Credit Card after being assured by your representative that my credit limit would be between ₹2,00,000 and ₹5,00,000. However, the actual limit provided is ₹66,000, which contradicts what was promised before activation.
Please review my case and either revise my credit limit accordingly or close the card without any negative impact on my CIBIL report.
Sincerely,
[Your Full Name]
[Registered Email / Mobile No.]
2. Consumer Forum Complaint Summary
I, [Your Name], am filing a complaint against HDFC Bank and Tata Neu Credit Card for misrepresentation and unfair trade practices. The sales executive misled me about the credit limit eligibility. I request the forum to direct the bank to correct the credit limit or close the card without impacting my CIBIL score.
Brand Background: Tata Neu & HDFC Bank Partnership
Tata Neu Credit Card is a co-branded financial product offered jointly by Tata Digital Limited and HDFC Bank. The card integrates shopping and loyalty benefits across Tata brands like BigBasket, Croma, Air India, and Taj Hotels.
While the partnership aims to offer rewarding experiences, an increasing number of users have reported issues related to false assurances, delayed approvals, and mismatched credit limits, raising questions about sales transparency.
Author
Kashish Kumar Bhanvarasiya is a BFSI professional and Credit Analyst experienced in risk evaluation, networking, and credit assessment. His professional post highlights the growing problem of mis-selling in the credit card sector, where sales teams often overpromise and underdeliver.
Commonly Searched Questions & Answers
Q1. What is the Tata Neu Credit Card?
It’s a co-branded credit card by Tata Digital and HDFC Bank offering NeuCoins, cashback, and brand-linked rewards.
Q2. Can banks lower my credit limit after approval?
Yes, but only with written notification and valid reasons such as poor credit profile or over-leverage.
Q3. What to do if a credit card agent misleads me?
File a complaint under Consumer Protection Act, 2019 for misrepresentation.
Q4. Can I close a credit card without affecting CIBIL?
Yes. Ensure all dues are cleared and request “closure without impact” in writing from the bank.
Q5. How long does it take to increase credit limit?
Usually 6–12 months, based on repayment history and income documents.
Q6. What are my rights under RBI guidelines?
Banks must provide clear, written communication before card issuance and disclose all terms transparently.
Q7. Can I complain to the Banking Ombudsman online?
Yes, at https://cms.rbi.org.in.
Q8. What is considered mis-selling in banking?
When a product is sold based on false promises or hidden conditions, it qualifies as mis-selling.
Q9. Does Tata Neu have customer care for credit card complaints?
Yes, via HDFC Bank Credit Card Helpline: support@hdfcbank.com.
Q10. Can a wrong credit limit affect my CIBIL score?
Indirectly, yes — a lower limit increases utilization ratio, reducing credit score.
Q11. How to request a limit review on Tata Neu Credit Card?
Log in to HDFC NetBanking → Cards → Credit Limit Increase Request.
Q12. What documents are required to escalate to RBI Ombudsman?
Complaint reference numbers, communication copies, and bank’s response.
Q13. How does Choice4Voice.com help consumers in such cases?
We verify complaints, publish them publicly, and guide users through legal escalation.
Q14. What are Tata Neu’s escalation channels?
Support via the Tata Neu app and HDFC customer care portal.
Q15. What if HDFC Bank closes my complaint without action?
Reopen it via the Grievance Redressal Matrix or file with RBI Ombudsman.
Q16. Are verbal promises legally binding in India?
Yes, if proven through supporting evidence, they can establish misrepresentation.
Q17. Can I demand compensation for mental harassment?
Yes, under the Consumer Protection Act for false sales assurance.
Q18. How can I verify a credit card agent’s claims?
Always request written confirmation or official offer documents before applying.
Q19. How long does RBI take to respond to Ombudsman complaints?
Usually 30–45 days, depending on case complexity.
Q20. Where can I submit my complaint for publication?
At https://choice4voice.com → Submit Complaint.
