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Axis Bank failed to credit ₹25,295 debited for an SBI Credit Card payment, ignored a 24-hour promise, and left the customer in default

Axis BankPC-2026-03333Banking & LoansAnonymous ·
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A frustrating experience with Axis Bank – A simple payment issue turned into an exhausting exercise in follow-ups and lack of accountability. On 31st October, I visited an Axis Bank branch regarding a payment of ₹25,295 made online from my Axis Bank account towards my SBI Credit Card. The amount had been debited from my Axis account, but it had not been credited to my SBI Credit Card. At the branch, I was assured that the issue would be resolved within 24 hours. However, when I followed up on 2nd November, I was asked to register a complaint with the customer care team. On speaking with Sony from the customer care team, I was informed that since the complaint had now been registered, it would take a minimum of five working days to receive an update. When I asked what would happen if the issue remained unresolved even after five working days, I was told that I would first need to obtain a confirmation email or letter from SBI Cards stating that they had not received the payment. Only after receiving this confirmation would Axis Bank take the investigation forward. To summarise: - ₹25,295 has been debited from my Axis Bank account. - The payment has not reached my SBI Credit Card. - The promised 24-hour resolution did not materialise. - I have been asked to wait another five working days, with no assurance of resolution. - The responsibility of obtaining confirmation from SBI Cards has also been pushed back to me. Meanwhile, this unresolved transaction has resulted in a payment default on my SBI Credit Card, potentially exposing me to late payment charges and other consequences, despite having made the payment on time from my end. My concern is not just about the missing payment, but the complete lack of ownership in resolving the issue. Why should a customer have to repeatedly visit branches, make multiple calls, coordinate between two banks, and bear the consequences of a transaction failure that is beyond their control? I expect Axis Bank to take ownership of this matter, trace the debited amount, and ensure that it is either credited to the intended account or refunded promptly. I also expect the bank to address the financial implications arising from this delay. I hope someone from the Axis Bank leadership or customer grievance team takes notice and helps resolve this without further unnecessary back and forth.

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  1. Case filed

    Filer · 3 Nov 2026, 7:58 pm

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