SBI SimplyCLICK credit card<\/a> carrying an annual fee of Rs 499 plus applicable GST.<\/p>\n\n\n\nHowever, she alleged that an SBI Card representative obtained her biometric KYC details for a different product, the Club Vistara credit card. She subsequently received a card with a credit limit of Rs 73,000 and an annual fee of Rs 2,999 plus GST.<\/p>\n\n\n\n
The difference between the two annual fees was Rs 2,500 before tax, making the issued card substantially more expensive than the one she said she had selected.<\/p>\n\n\n\n
SBI Card Allegedly Failed to Resolve Her Complaint<\/strong><\/p>\n\n\n\nAccording to the complaint, the woman did not use the card and contacted SBI Card to request a switch to the lower-fee product or closure of the account.<\/p>\n\n\n\n
She alleged that her requests were not addressed satisfactorily despite repeated communication with the company. She also sent a legal notice after attempts to resolve the matter failed.<\/p>\n\n\n\n
The dispute eventually reached the District Consumer Disputes Redressal Commission in South Delhi, which examined the complaint and the company’s handling of the issue.<\/p>\n\n\n\n
Consumer Commission Orders Rs 50,000 Compensation<\/strong><\/p>\n\n\n\nThe commission found deficiencies in service and treated the conduct as an unfair trade practice. It directed SBI Card to pay Rs 50,000 in compensation to the complainant.<\/p>\n\n\n\n
The company was also ordered to close the disputed credit card and issue a bill as of August 4, 2023. The order addresses the consumer’s complaint about receiving a card with different fee terms and being unable to get the matter resolved.<\/p>\n\n\n\n
The ruling reinforces the importance of ensuring that financial products are issued in accordance with customers’ stated choices and that complaints are handled appropriately.<\/p>\n\n\n\n
What Credit Card Customers Should Learn<\/strong><\/p>\n\n\n\nThe case serves as a reminder for consumers to verify the name, fees and terms of a credit card when it is issued. Applicants should retain copies of application forms, digital confirmations, emails and messages that establish which product they selected.<\/p>\n\n\n\n
If a card arrives with unexpected charges or different terms, customers should raise a written complaint with the issuer and keep a record of all responses. If the issue remains unresolved, they can consider approaching the appropriate consumer grievance forum.<\/p>\n\n\n\n
Why the Case Matters<\/strong><\/p>\n\n\n\nCredit cards often come with different annual fees, rewards programmes, eligibility requirements and benefits. Customers should not assume that two products from the same issuer carry similar costs.<\/p>\n\n\n\n
The dispute also underlines why financial service providers need clear consent procedures and effective customer support, particularly when applications involve multiple card options.<\/p>\n\n\n\n
Summary<\/strong><\/p>\n\n\n\nA Delhi consumer commission has ordered SBI Card to pay Rs 50,000 to Neha Chaudhary after she alleged that she requested an SBI SimplyCLICK card costing Rs 499 annually but received a Club Vistara card with a Rs 2,999 annual fee, plus GST. The commission also directed the company to close the disputed card and issue a bill as of August 4, 2023.<\/p>\n\n\n\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
A Delhi consumer commission has directed SBI Card to pay Rs 50,000 in compensation to a woman who was issued a credit card carrying a much higher annual fee than the one she said she had requested. The commission also ordered the company to close the disputed card and issue a bill reflecting the account […]<\/p>\n","protected":false},"author":30,"featured_media":1314731,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[3468,460],"class_list":["post-1314727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-credit-cards","tag-sbi"],"acf":[],"yoast_head":"\n
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![\"Rs](\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2026\/10\/images-51.jpeg\")
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