Why does HDFC Bank refuse to understand the difference between an ATM card and a Debit Card ?

Posted: July 19, 2010 in Personal

I had specifically asked HDFC Bank to provide me an ATM card and NOT a Debit card and now I get an SMS stating that that ‘ATM/Debit Card’ PIN has been dispatched to me.

What the heck, Does HDFC Bank not understand the difference between a Debit card and an ATM card in spite of specifically filling in an application form at the Lower Parel Branch asking only for an ATM Card ?

When I tried applying for an ATM card in person at the Lower Parel Branch of HDFC Bank, I was first told by the customer service desk at the Lower Parel Branch that HDFC bank does not provide ATM cards but only Debit cards. I polietly explained to them that as thier client my requirement was an ATM card and not a Debit Card and finally they agreed that in ‘special cases’ they do provide ATM cards.. Since at the time of application for this ATM card, I had run out of check book leaves and I did not have any means of withdrawing cash otherwise, I wanted HDFC bank consider mine as thier so called ‘special case’. They agreed and told me that they could now provide me an ATM Card and for which they made me fill an application form for an ATM card. The procedure included entering a special code in the application form that said that I did not need a Debit Card but ONLY an ATM card.

Now I get this SMS on 17/07/2010 which said,

‘Your HDFC Bank ATM/Debit Card has been dispatched via ***** bill number ********* through xyz courier to your Mailing Address registered with the bank. In case you do not your PIN Number within 7 days, please contact HDFC Bank Phonebanking or your Nearest Bank Branch’.

HDFC Bank don’t you understand the difference between an ATM card and a Debit Card ?

In case you don’t, please read this wikipedia link about what an ATM Card is.

On the URL it says ‘ Unlike an offline debit card that is signature based, in-store EFTPOS purchases or refunds with an ATM card require authentication through a personal identification number (PIN), similar to an online debit card that is also PIN based. This means that ATM cards cannot be used at merchants that are without a direct connection to an interbank network.’ HDFC Bank, This is my requirement.

This is what the wikipedia says is a Debit card.. HDFC Bank, this is what I don’t want.

HDFC Bank, if you are client oriented bank which places client satisfaction over everything else then let me tell you this one more time HDFC Bank, as your client, I am not at all pleased with your service of lies and deception and double talk and refusal to give me what my requirement is and instead trying to force your will on me.

  1. Dear achaya,

    ATM card is a debit card not a credit card.

    Debit card allows you to withdraw only from the money that is available in the account.So ATM card is a debit card.

    A credit card allows you to withdraw more money than in your account subjected to a limit.

  2. vivekvc says:

    What I want is not to be able to swipe the so called ‘Debit Card’ it at any shopping outlet which will prevent unplanned purchases,

    I can use an ATM card and withdraw cash and then plan my purchase.

    What I need is a card that only allows me to withdraw cash manually and one that does not allow me to swipe the card at any shop.

    Please read the links I have provided


  3. […] the HDFC Bank ATM Card arrives…. It seems my previous blog post about my ATM Card is being read by HDFC […]

  4. rahul says:

    pathetic bank, with staff full of arrogance like they think they know the world of banking and nothing can effect them, and zero eye to customer satisfaction, let alone any other form of customer feedback…

  5. In fact no matter if someone doesn’t know afterward its up to other visitors that they will help, so here it happens.

  6. RAGHU says:

    In some banking networks, the two functions of ATM cards and debit cards are combined into a single card called simply as a debit card or also commonly called as bank card. These are able to perform banking tasks at ATMs and also make point-of-sale transactions, with both features using a PIN. This is what HDFC bank is offering . Please Refer the same link you have shared for ATM.

    HDFC customer

  7. hi!,I love your writing very a lot! share we communicate more about your article on AOL? I need a specialist on this area to solve my problem. May be that’s you! Looking forward to look you.

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