Exploiting retail customers to please big lenders. Review on HDFC Bank

Relationship Managers are of no help. They are there to sell you the schemes which benefit the bank at your cost. They have no idea about the products that they are selling, nor do they have any idea about your customer profile or in one case even your account details

There is no direct contact with relationship manager. The phone will always go on voicemail and then the so called manager will call you back at their own sweet time which is often an inconvenient time for you to take call. The mail ID shared with you is standard customer service ID. Again, the impression they are creating is that they want you to stay away and your money to stay close to them.

There is no way to escalate the issue if you are not satisfied with the services or assistance you receive.

Their ATMs were first to go cashless and stayed that way long after demonetization. While other banks worked overtime and went out of their way to help the harried customers(ICICI opened outside tables and worked longer hours to meet customer rush, IOB proactively reached out to senior citizens to handle their cases on priority), HDFC was at best business like and at worst outright rude to the customer rush. Add to it the fact that their ATMs had no money and the only way you could get your money was to stand in queue at the bank and you get the idea.

There is no effort or intention on the bank's part to make a personal connection with small investors.

They would slap the charges and penalties at the first opportunity and would not reduce or wave off their own charges, interest rates, fees by a single paise irrespective of how long you have been banking with them or how many types of relationships / accounts you have had with the bank.

Their credit card online interface looks dated when compared with citibank

Your transactions do not appear online for next three days

On bill generation date, you can't check your transactions. You get the text that the bill is generated however, you don't see anything online except the amount that they are asking you to pay

They would not remind you to pay the bill and slap the late payment fee and interest immediately after the last date. The whole thing seems designed to make you skip payments. Citibank on the other hand, sends you a reminder message three days before the last date.