What to do if a shop charges a 2% fee for card payments?
Retailers might request an extra 2% fee on credit card purchases to offset the Merchant Discount Rate. However, the RBI has clarified that it has not authorized any such charges for credit card transactions. Shoppers have the right to challenge these fees or report them to their card provider. If the matter remains unsettled after 30 days, customers can file a complaint with the RBI Ombudsman. As an alternative, you can choose to pay via UPI.
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