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Even as the government tries to push debit card use, banks continue to hit customers with unreasonable charges for incidents such as transactions declined for want of minimum balance.
Each time a customer swipes a card without adequate balance in his bank account, between Rs 17 and Rs 25 is debited from him. The applicable rate of GST is added too.
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SBI charges Rs 17 each time a debit card swipe is declined at either an automated teller machine (ATM) or a point of sale (PoS) terminal. HDFC Bank and ICICI Bank charge Rs 25 as transaction decline charges at PoS machines.