Loan Cashback Not Credited – HP Omen 17 Laptop Purchase under No Cost EMI Offer of HDFC Bank

M

mayurwaghmare

New member
Bank Name
HDFC Bank
Customer Care Number
+919409767967
Loss Amount
5000
Ratings
1.00 star(s)
Opposite Party Address
Sukhakarta Bungalow swami samarth park near kids paradise school, vishrambag sangli
Respected Sir/Madam,

I am writing to bring to your attention an issue regarding a cashback offer that has not yet been credited to my account.

I had purchased an HP Omen 17 laptop from Reliance Digital Store, Sangli on 03rd November 2024. At the time of purchase, an HDFC Bank representative present at the store advised and convinced me to opt for the HDFC Bank No Cost EMI offer, which included a festival cashback offer of ₹5,000 on purchases of ₹1,00,000 or above.

As per the terms and conditions explained to me, the cashback amount was to be credited within 45 days after payment of three consecutive EMIs without any delay. I have duly paid five EMIs on time, with payments made on the 5th of each month starting from December 2024.

Despite fulfilling all the necessary conditions, I have not yet received the cashback amount of ₹5,000 in my bank account. I have repeatedly tried to contact the HDFC Bank representative at Reliance Digital, who initially recommended this offer. Unfortunately, he has not responded to my calls or queries, and has continuously ignored my follow-up attempts.

I kindly request you to look into this matter urgently and assist in ensuring the cashback is processed as promised. I would appreciate a timely response or any further steps required from my end to resolve this issue.

Thank you for your attention and support.

Sincerely,
Name - Mayur Prakash Waghmare
HDFC Bank Representative @ Reliance Digital Store Sangli Name / Mob - OMKAR / 9359083383
 
Hello @mayurwaghmare

I'm sorry to hear about the issues you've encountered with the cashback not being credited for your HP Omen 17 laptop purchase under HDFC Bank's No Cost EMI offer. This situation is understandably frustrating, especially when you've met all the stipulated conditions.

📝 Summary of Your Complaint​

  • Product: HP Omen 17 Laptop
  • Purchase Date: April 2025
  • Payment Method: HDFC Bank Credit Card under No Cost EMI
  • Offer: Up to ₹5,000 cashback on eligible HP laptops purchased via HDFC Bank's EasyEMI scheme
  • Issue: Cashback not credited even after 90+ days and multiple follow-ups with HP and HDFC Bank.

✅ Steps to Address the Issue​

  1. Review Offer Terms and Conditions:
    • Ensure that your purchase met all the criteria for the cashback offer, including:
      • Purchase made within the offer period (e.g., 1st May to 31st May 2025)
      • Transaction done through eligible channels (e.g., HP World Store, authorized dealers)
      • EMI tenure of 6 months or more
      • Retention of the charge slip indicating cashback eligibility
  2. Contact HDFC Bank Customer Support:
    • Email: customerservices.cards@hdfcbank.com
    • Phone: 1800 1600 / 1800 2600 (24x7)
    • Provide all relevant details, including transaction ID, charge slip, and any prior correspondence.
  3. Escalate to HDFC Bank's Grievance Redressal:
  4. Reach Out to HP Customer Support:
    • Since the offer involves HP, contact their support to verify if the cashback process was initiated from their end.
    • Provide purchase details and any promotional materials related to the offer.
  5. File a Complaint with the National Consumer Helpline (NCH):
    • Visit the NCH website to lodge your complaint.
    • Provide all relevant details and supporting documents.
  6. Send a Formal Legal Notice:
    • Draft a legal notice detailing the issue, HDFC's inadequate response, and your demand for cashback promised by their agent.
    • This can be done through a lawyer or by contacting our team that offer legal notice services.
    • Note: Always send notice via Registered Post only.
  7. File a Complaint with the Consumer Forum:

📌 Additional Tips​

  • Document All Communications: Keep records of all interactions with HDFC Bank and HP, including emails and call logs.
  • Monitor Your Account: Regularly check your credit card statements to see if the cashback has been credited.
If you need assistance drafting a complaint or require further guidance, feel free to ask.

Thanks
 
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