Cryptic crossword clue
Owing gratitude? Yes, but heartless inside 8

The most common and most likely answer to this crossword clue is the 8 letter word INDEBTED

I've seen this crossword clue in The Daily Telegraph
I
N
D
E
B
T
E
D


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The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does INDEBTED mean?

INDEBTED verb
  1. To bring into debt; to place under obligation.
INDEBTED adjective
  1. (usually with to) Obligated, especially financially.

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