u/Longjumping-You6256

I booked a railway ticket on IRCTC app worth 1465 and after adding IRCTC convenience fee and travel insurance the total cost was 1500.85.

However an amount of 1532.73 was debited from my Slice bank credit card. I think this was PG(Payment gateway charges), please confirm if it was.

why was the extra 31.88 rs debited as PG charges? Since slice bank Credit card terms mention 2% charges on railway ticket booking ONLY over 25k cumulative in a billing cycle, and this is my first payment from the credit card. Will this extra PG amount be refunded, when my first statement is generated ?

Total Fare

Total deducted amount

Slice Card TnC

I booked a railway ticket on IRCTC app worth 1465 and after adding IRCTC convenience fee and travel insurance the total cost was 1500.85.

However an amount of 1532.73 was debited from my Slice bank credit card. I think this was PG(Payment gateway charges), please confirm if it was.

why was the extra 31.88 rs debited as PG charges? Since slice bank Credit card terms mention 2% charges on railway ticket booking ONLY over 25k cumulative in a billing cycle, and this is my first payment from the credit card. Will this extra PG amount be refunded, when my first statement is generated ?

Total Fare

Deducted amount

Credit Card TnC

Background story

So My younger brother joined NCC at his school for which they took 4000Rs for uniform charges. ( I think it costs way lesser, the school scammed us, which is a different tangent and if anyone knows the real uniform cost, do reply)

There is a uniform allowance for NCC cadets, so they asked for our bank account details. My brother didn't have his own account at that time, so they (school / NCC) idk offered to open one and gave us an account opening form at some random TJSB bank.

The real story

Exactly 6 months later, 4620Rs was deposited into this account by NCC, out of which 118 rupees was immediately deducted for Non maintenance of MAB which i think is very unfair

1)School has opened the account not us. We didn't know about MAB which shouldn't even be there in the first place given its an NCC related account.

2. secondly, Plz tell me how did they even proceed to open a savings account Which has an MAB requirement, without taking the initial amount at the time of opening? is this a standard procedure?

3)I strongly suspect this is TJSB Bank's tie-up with school/NCC to scam NCC students off the MAB charges, cuz who will come argue for 118 Rs, right? else why would NCC open a account with TJSB bank and not some major lender like sbi/hdfc

Though 118 is not a big amount, I'm its against the law to deduct amount as negative balance, when balance goes to 0. Also how tf can they deduct money on literally the first deposit, with NO prior intimation of the MAB not maintained for 6 months

TLDR: Bank deducted money from the first deposit for non maintainence of MAB, with no prior intimation.