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1Scan for outdated or missing drivers - takes under a minute2Clear out junk files and repair common Windows errors3Fix the driver behind crashes, sound loss and screen glitchesA Delhi consumer commission ordered SBI Cards & Payment Services Limited to close a card and pay ₹50,000 compensation after a customer said she had sought a SimplyCLICK card with a ₹499 annual fee but received a Club Vistara card carrying a ₹2,999 annual fee. The outcome concerns one reported dispute; it does not establish that other cardholders are entitled to the same award or that SBI Card routinely changes card fees.
What happened in the SBI Card fee dispute?
According to The Indian Express, Neha Chaudhary told the District Consumer Disputes Redressal Commission, South-II, Delhi, that she had opted for a SimplyCLICK card with an annual fee of ₹499 plus GST. She alleged that an agent instead obtained her biometric KYC for a Club Vistara card. The card she received reportedly had a ₹73,000 credit limit and a ₹2,999 annual fee plus GST. These are details of her account as reported by the newspaper, not independently verified application records.
The report says a bill dated 3 August 2023 showed an annual fee of ₹2,999 and GST of ₹592.32. On 4 August, Chaudhary reportedly emailed SBI Card asking to change the card to SimplySAVE and saying she had not used it. The newspaper says SBI Card replied on 10 August that representatives had been unable to reach her and that an upgrade or downgrade required OTP validation. Chaudhary later reported multiple calls to the helpline, where she was told the card could not be changed and the fee could not be waived; on 18 August she reportedly received notice that the downgrade could not be processed.
What did the consumer commission order?
The Indian Express reported that the Commission’s order, dated 18 September 2026, found SBI Cards guilty of deficiency in service, directed it to close the card and ordered ₹50,000 compensation. It also directed SBI Cards to generate a bill as of 4 August 2023—the date of Chaudhary’s requested change—if that bill had not already been paid.
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According to the newspaper, SBI Cards did not appear to rebut the allegations. Its written statement was not taken on record as time-barred under an order of 24 October 2024. The newspaper attributes this observation to the Commission: “It is difficult to comprehend as to the reason why the card was not closed if it could not be downgraded.” The original Commission order was not available for independent review here, so the case details and outcome are reported as described by The Indian Express.
Why might a credit-card annual fee be higher than expected?
Card fees can differ by product variant, so a fee for one card does not establish the terms for another. SBI Card’s current published fee table lists SimplyCLICK’s annual and renewal fees at ₹499, with a waiver when eligible annual spend reaches ₹1 lakh. Those current general terms do not show what Chaudhary selected or agreed to in 2023, and they do not independently verify the fee on her account.
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If a fee on your statement differs from what you expected, compare the exact card variant and fee against your application confirmation, most-important-terms document and statement. Do not infer the terms of an individual account from a current fee table or from the outcome of this separate case.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Can you close a credit card while disputing its annual fee?
You can ask the issuer to close the card while raising a fee dispute. The Reserve Bank of India’s credit-card directions require an issuer to honour a closure request within seven working days, subject to payment of all dues. Issuers must provide multiple channels for requesting closure. If dues remain, the issuer should tell you what is owed; the seven-working-day calculation excludes the time you take to pay those dues.
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Where there is no outstanding balance and closure is delayed beyond the prescribed period, the RBI directions provide for ₹500 per calendar day of delay until closure. That provision is conditional; it is not an automatic payment for every fee dispute. If appropriate, make the closure request in writing, keep proof of when it was received, and settle any undisputed dues.
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How do you complain about a credit-card fee?
- Write to the issuer. Identify the card variant, the fee you dispute and what resolution you want. Keep the email or other written complaint and its reference number.
- Preserve account records. Retain your application or consent record, card terms, statements, emails, complaint references and any closure request. These can help document what you applied for, what was charged and how the issuer responded.
- Use the issuer’s grievance process. The RBI says customers should first approach the card issuer. If the issue is not resolved, note the date and substance of its response—or the lack of one.
- Consider RBI Ombudsman escalation if eligible. The RBI’s Ombudsman FAQ says you may complain if the issuer does not respond within 30 days, rejects the complaint wholly or partly, or you are dissatisfied with its resolution. The FAQ lists the complaint-management system and a specified offline route. Escalation does not guarantee compensation or a finding in your favour.
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