HDFC Bank Ergo General Insurance — along with hdfc credit card hdfc insurance activated without notifying the customer

Address: 560103

Recently i have received hdfc regalia credit card and as part of that hdfc ergo insurance got activated without notifying me, i got to know that after some amount was deducted from my hdfc credit card (900inr for policy, 100inr for emi conversion and 18inr for tax)

I called hdfc credit card customer care and also hdfc ergo customer to inquire how this policy got activated they said it got activated as part of credit card application but no one informed me about this.

I have seen lot of complaints on this topic in this forum, looks like hdfc is doing cheating, they don't inform about the policy and they just activate it and they say they got request from the application which is not fair, hdfc does telephonic verification of credit card but at that time they should asked about this but they are not doing that and silently activating the policy, which will directly points to the big loop hole in the system to cheat the customers