Co-branded card stuck in processing

Bank · Credit card · credit-card application compensation

Complaint no.: N202526016030883
Against: HDFC Bank
Filed: 6 Feb 2026
Closed: 17 Feb 2026
Time taken: 11 days
Scheme: RB-IOS 2021
Closure clause: 14(9)(b) r/w 3(1)(h)
Did it help?: Helped
Compensation: ₹1,000 (gift voucher)

What happened

A co-branded credit card application had been pending for a long time with no clear status from the bank.

What I asked the Ombudsman for

A decision on the application and delivery of the card.

What the entity said

Within days of the complaint the card was approved, dispatched on 10 February and delivered on 12 February 2026. The bank apologised and offered gift vouchers worth ₹1,000.

What the Ombudsman decided

The Ombudsman's office called me on 17 February. I confirmed the card had arrived and agreed to closure. Closed as resolved with consent in 11 days, my fastest real resolution.

Helped

Did the Ombudsman help?

Yes. Eleven days, and a call before closing.

What I took from it

Where the bank simply has not done something it can easily do, the complaint itself is the fix. These cases close fast.

Summarised from the RBI closure letter and my own correspondence. Names of individuals, account numbers and reference numbers other than the complaint number have been removed.