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Submit your complaint →Amit Sharma reported that Axis Bank denied a lifetime free credit card upgrade despite the offer being visible on the Axis Mobile App. Choice4Voice.com highlights how customers can file complaints and take legal action for misleading advertisements, false offers, and digital misrepresentation by banks.
Complaint Summary
| Complainant Name | Amit Sharma |
|---|---|
| Masked for privacy | |
| Masked for privacy | |
| Complaint Type | Fake Promise / Misrepresentation |
| Company / Brand | Axis Bank |
| Product / Service | Axis Bank Credit Card |
| Order / Service Number | 251104086791 |
| Issue Description | Lifetime free credit card upgrade shown on Axis Mobile App was denied by Axis Bank. The app continued to display the offer even after expiry. Customer support provided false information and removed benefits from the app. |
| Date of Incident | 4 November 2025 |
| Company’s Response | Axis Bank denied responsibility, citing offer expiry without official communication. |
| Complaint Status | Unresolved |
| Original Source | Submitted via Choice4Voice.com |
Full Complaint Story
Amit Sharma, a responsible credit card holder, reported his experience with Axis Bank through Choice4Voice.com after being misled by a “Lifetime Free Credit Card Upgrade” offer displayed on the Axis Mobile App.
According to Amit, the offer was clearly visible on the app till 4th November 2025, but when he tried to upgrade, Axis Bank’s system showed continuous errors. Later, when he contacted customer support, he was informed that the offer had expired on 30th October 2025 even though the app continued to display it.
Adding to his frustration, Amit never received any email notification about the offer’s validity or expiry date. Instead of acknowledging the issue, Axis Bank representatives misled him by saying the lifetime free upgrade was no longer available and that the card upgrade would now be chargeable.
He further claimed that after Axis Bank became aware of his complaint, the offer details were silently removed from the mobile app, leaving him without evidence except for screenshots.
Amit called this behavior “a classic case of false advertising and misrepresentation,” highlighting how digital banking platforms can display offers that customers can’t actually avail ultimately eroding trust in reputed institutions like Axis Bank.
How Choice4Voice.com Can Help
Choice4Voice.com assists consumers like Amit Sharma in fighting back against fake promises, misleading advertisements, and app-based misrepresentation by financial institutions.
We help consumers:
- Draft formal written complaints to the bank’s grievance cell and nodal officer.
- Escalate the issue to the Reserve Bank of India (RBI) under banking misrepresentation or deficiency of service.
- File a Consumer Court complaint for mental distress and false promise.
- Draft legal notices citing violation of digital transparency and misleading claims.
- Publish verified cases on Choice4Voice.com to create public pressure and awareness.
If you have been misled by a mobile app offer or bank advertisement, you can report your case to Choice4Voice.com for verification and publication.
Legal Case Can Be Filed
Consumers can take the following legal actions against Axis Bank in such cases of false advertising and service misrepresentation:
- Consumer Court Case (Under Consumer Protection Act, 2019)
- File for deficiency of service and mental harassment due to misleading offers and denial of promised benefits.
- Choice4Voice.com assists in drafting petitions and guiding you through filing on the E-Daakhil consumer portal.
- RBI Ombudsman Complaint
- File under the RBI Integrated Ombudsman Scheme, 2021 for deceptive communication or unfair trade practices by the bank.
- Choice4Voice.com helps prepare a step-by-step RBI complaint letter.
- Cybercrime Complaint (Digital Misrepresentation)
- If the offer was shown via app or web interface, a complaint can be filed on https://cybercrime.gov.in for digital fraud or data manipulation.
- FIR for Cheating (IPC Section 420)
- In extreme cases where there is clear intent to deceive, a Police FIR can be filed under Section 420 of the Indian Penal Code.
- Complaint to Advertising Standards Council of India (ASCI)
- Misleading or false promotional offers can be reported to ASCI for regulatory action.
Choice4Voice.com helps consumers identify the right legal path and provides templates for each escalation level.
Step-by-Step Complaint Process for Misleading Banking Offers
- Take Screenshot Evidence of the offer displayed on the mobile app or website.
- Send a written complaint to Axis Bank’s official grievance email: grievance.officer@axisbank.com.
- If unresolved within 30 days, escalate to the Nodal Officer of Axis Bank.
- File a Consumer Complaint via the E-Daakhil portal: https://edaakhil.nic.in.
- For digital offer misrepresentation, register a Cybercrime complaint online.
- Share your case with Choice4Voice.com to raise awareness and build public accountability.
About Axis Bank
Axis Bank, one of India’s leading private banks, promotes itself as a customer-first digital financial institution. However, cases like Amit Sharma’s expose critical gaps between advertised services and actual delivery.
The Axis Mobile App while technologically advanced has faced multiple user complaints for displaying offers that are later denied by backend teams. Such incidents raise questions about transparency, accountability, and ethical marketing practices in digital banking.
Author
Amit Sharma is a responsible Axis Bank credit card user who encountered a misleading “Lifetime Free Card Upgrade” offer on the Axis Mobile App. Despite multiple follow-ups, Axis Bank denied him the promised upgrade and removed the offer without any prior notification. Professionally, Amit Sharma works in a corporate environment where financial discipline and transparency are crucial, making this experience both disappointing and concerning.
Questions & Answers
Q1. What happened in Amit Sharma’s Axis Bank case?
A1. Axis Bank denied a lifetime free credit card upgrade that was visible on its app, citing offer expiry without prior notice.
Q2. Is it legal for a bank to show an expired offer on its app?
A2. No, it constitutes misrepresentation and can be challenged under the Consumer Protection Act.
Q3. What is a lifetime free credit card?
A3. A card with no annual or renewal fees, offered as a permanent benefit.
Q4. Can I take legal action against Axis Bank for misleading advertisement?
A4. Yes, through Consumer Court or ASCI for unethical promotion.
Q5. What is the RBI’s guideline for digital misrepresentation?
A5. Banks must ensure accuracy and clarity in all digital communications and offers.
Q6. How can I file a complaint against Axis Bank?
A6. You can write to grievance.officer@axisbank.com and escalate to RBI Ombudsman if not resolved.
Q7. How long does it take for RBI Ombudsman to respond?
A7. Usually within 30–45 days after filing a complaint online.
Q8. What if Axis Bank refuses to provide proof of offer expiry?
A8. You can demand documentation and submit screenshots as evidence in Consumer Court.
Q9. Can a customer sue a bank for app-related errors?
A9. Yes, under Digital Deficiency of Service provisions in the Consumer Protection Act, 2019.
Q10. What is misrepresentation in banking?
A10. When a bank provides false or incomplete information to influence customer decisions.
Q11. What is the penalty for misleading advertisements in India?
A11. Fines and compensation as decided by the Consumer Forum or ASCI.
Q12. Can Choice4Voice.com assist with documentation?
A12. Yes, it provides complaint templates, legal drafts, and stepwise filing guides.
Q13. What happens if the bank removes evidence from its app?
A13. Screenshots or cached proof are sufficient for legal proceedings.
Q14. Does RBI monitor mobile app offers?
A14. RBI ensures banks adhere to fair digital marketing and disclosure norms.
Q15. Can a lifetime free card later become chargeable?
A15. Only if clearly mentioned in the terms; otherwise, it’s a breach of promise.
Q16. What can be claimed in Consumer Court?
A16. Refund, compensation for mental distress, and damages for loss of trust.
Q17. Is there any cost for filing Consumer Forum complaints?
A17. Minimal fees depending on claim value.
Q18. Can a bank deny an offer without notifying customers?
A18. No, it violates transparency norms under RBI’s fair practice guidelines.
Q19. What steps can consumers take immediately?
A19. Collect proof, submit a written complaint, and escalate to RBI if ignored.
Q20. How can Choice4Voice.com increase visibility for such cases?
A20. By publishing verified consumer complaints online and tagging brands on LinkedIn and public platforms to build accountability.
✅ This verified complaint was submitted via Choice4Voice.com a consumer advocacy platform helping victims of banking negligence, digital fraud, and false marketing pursue justice through legal and public channels.
