Spend-offer voucher denied after the purchase was converted to EMI

Bank · Credit card · credit-card rewards

Complaint no.: N202627016020854
Against: Axis Bank
Filed: 8 Oct 2026
Closed: –
Time taken: –
Scheme: RB-IOS 2026
Closure clause: –
Did it help?: Pending
Compensation: None

What happened

A card offer promised a voucher for spending ₹35,000 by a set date. I spent well over that two days before the deadline. The bank converted the purchase to EMI after the deadline, the offer tracker showed zero spend, and the voucher was refused. In writing, the bank said it was unable to view the offer it had sent me.

What I asked the Ombudsman for

The voucher or its value, and compensation for the handling.

What the entity said

After 32 days of holding replies I filed with the Ombudsman. The bank's response is awaited.

What the Ombudsman decided

Open at the time of writing: registered and sent to the bank.

Pending

Did the Ombudsman help?

Pending.

What I took from it

Will be updated when it closes. The complaint rests on the bank's own written admission that it could not see the offer.

Summarised from the RBI closure letter and my own correspondence. Names of individuals, account numbers and reference numbers other than the complaint number have been removed.