Credit Card Regards Loyalty Points

A

abishiek gunda

New member
Bank Name
SBI Credit Card
Loss Amount
12110
Ratings
5.00 star(s)
Respected Sir/Ma'am,

I Mr. Abishiek Gunda, I am using SBI IRCTC Credit Card from 13th Apr 2017 to Till Date. For this will booking any train tickets with IRCTC for every 3Tier AC/ 2 Tier AC or other AC Tickets I use to get 1 reward points on the Booking Amount. For the year 13th Apr 2017 to 14th Apr 2021.(For this period I have utilized only 1907 points i.e., 1907 Rs. Later my loyalty account was inactive due to no amounts paid by SBI to IRCTC Loyalty team.

After several discussions with the SBI Card team and the IRCTC Loyalty team. i came to notice that IRCTC Loyalty team not received annual fee from SBI Card teams, but SBI as per my SBI, every yearly statement, they charge annual fee & same I am paying every year.

After talking to SBI Card team they have transferred 12,209 points to IRCTC Team and I can see only 51 points., here I am losing nearly 12000 rs.

So many points have expired from 14th Apr 2021 to till date due to my IRCTC Loyalty account was inactive the issue is from SBI Card.

Here I am not getting any support from all the customer care people & no one is giving proper response & Resolving the issue. But I am losing amount.

Kindly request to help in this issue resolving. 12000/- is a very big amount for common man.

Thanks & Regards,
Abisheik Gunda
 
Hello @abishiek gunda

I'm sorry to hear about the difficulties you've encountered with your SBI IRCTC Credit Card's loyalty points. Based on the information you've provided, it appears that despite paying annual fees, your loyalty account became inactive due to SBI not transferring the requisite amounts to the IRCTC Loyalty team. This has resulted in a significant loss of approximately ₹12,000 worth of reward points. Let's address your concerns systematically and outline the steps to seek redressal.

📝 Summary of Your Complaint​

  • Complainant: Abishiek Gunda
  • Bank: SBI Credit Card
  • Issue:
    • Loyalty points not credited due to inactive IRCTC Loyalty account.
    • Annual fees were charged and paid, but SBI did not transfer the amounts to IRCTC.
    • Loss of approximately ₹12,000 worth of reward points.
    • Lack of support from SBI and IRCTC customer care.

⚖️ Legal Perspective​

Under the Consumer Protection Act, 2019, consumers are entitled to services that are free from deficiencies. The failure to credit loyalty points, despite charging annual fees, constitutes a deficiency in service and unfair trade practice.

🛠️ Recommended Steps for Redressal​


1. Document All Evidence:​

  • Gather all relevant documents, including credit card statements showing annual fee payments, communication records (emails, messages, call logs), and any other pertinent information.

2. File a Complaint with SBI​

  • Customer Care: Call SBI's customer care number or use the official website to lodge a complaint.
  • Email: Send a detailed complaint to SBI's customer care email address.
  • Details to Include:
    • Credit card details (mask sensitive information).
    • Description of the issue and the loss incurred.
    • Request for immediate resolution and compensation.

3. Escalate to the Banking Ombudsman​

  • Website: Visit the RBI's Banking Ombudsman website to lodge your complaint.
  • Procedure:
    • If SBI does not resolve your complaint satisfactorily within 30 days, escalate it to the Banking Ombudsman.
    • Provide all relevant documents and communication records.

4. File a Complaint with the National Consumer Helpline (NCH)​

  • Website: Visit the NCH website to lodge your complaint.
  • Procedure:
    • Register an account.
    • Submit a detailed complaint with supporting documents.
    • Track the status using the provided complaint ID.

5. Send a Formal Legal Notice:​

  • Draft a legal notice detailing the issue, Jio Fiber's inadequate response, and your demand for resolution.
  • 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.

6. File a Complaint with the Consumer Forum:

7. Jurisdiction: District Consumer Disputes Redressal Commission in your area.

8. Procedure:
  • Draft a complaint detailing the issue and relief sought.
  • Attach all relevant documents: credit card statements, communication records.
  • Submit the complaint along with the requisite fee.
  • Attend hearings and present your case.

📌 Important Considerations​

  • Documentation: Maintain a comprehensive record of all communications, including emails, letters, and call logs.
  • Timeliness: Act promptly to avoid any statutory limitations that might bar your claim.
  • Legal Assistance: Consider consulting with a legal professional to assist with drafting complaints and representing you in legal proceedings.

By following the above steps diligently, you can seek redressal for the grievances faced due to SBI's service deficiencies. It's essential to assert your rights and ensure that service providers adhere to fair and transparent practices.

Important Tip:
Before taking legal action, it is advisable to first send a legal notice to the Opposite Party.
Click to expand...
Note:
We can assist in:
  • Drafting professional legal notices.
  • Filing consumer complaints for deficiency in service.
Feel free to contact us if you wish to proceed with a legal notice draft or complaint preparation.

Regards,
Support Team
 
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