I am holding a Credit as well as a Debit Card from SBI. A few days back I received a new card from them and a new Pin for the same. Since it is not mentioned anywhere on the card whether it is a Debit or a Credit card, and since I had not used my Credit card in a very long time, and almost forgotten about it, I mistook the new card for my Debit card. Since I also received a new Pin for the same, and being quite prudent, I went to the SBI ATM to change the new Pin. As soon as I inserted the said card into the machine it took me to the withdrawal screen, without giving any other option, and asked me to punch in an amount to withdraw. As I wanted to check the balance, and also whether the new Pin worked, I punched in the minimum possible amount, i.e.Rs.100 and ended up withdrawing Rs.100 from the ATM. There are four SBI ATM machines in a row in the same premises, and I ended up repeating the same error on the next ATM machine. Upon trying to contact the Branch, I was told there was an All India Bank strike on and I was not able to enter the Branch. I also thought that maybe because of the strike only the 'Cash Withdrawal' facility is working on the ATM's. Next day while trying to check my balance online, I realised the mistake I had made, and tried to contact the Customer care on this. I noticed I was charged an ATM CASH FEE of Rs.300 each plus GST Rs.74.16, i.e. Rs.674.16 on a withdrawal of Rs.200, which is very unreasonable by any measures. However even after repeated calls and emails on the same, I was informed by the Nodal officer that it would not be possible to waive off the charges, and/or rectify the error. Meanwhile I paid up the entire amount promptly and got my card blocked to avoid further compounding of the charges. Please advise if there is a recourse and if I can take this up further through the Banking Ombudsman.
