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Charges for a Debit Card after expiry (NOT because of LOST)

Hi,

I have a debit card of Union Bank of India. It will expire by October,2013.

The card is working fine now.

When I ask the customer care how to get a new debit card,they are saying that I need to pay an amount of Rs.112 to get a new debit card.

When I asked them,why should I pay for a card which is going to expire but not been lost and there is a no mistake from my side (because the card is not lost and it is working fine),the reply is that ‘This is the policy of the bank and I need to pay the amount to have a new card’.

Is it the same way all the Banks work ?? (I think  NO)

Also, are there any rules by RBI or someone else by which I can get a new debit card without any charges ??

Please help

Regards,

Hemanth

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