Consumer Vanya V has raised a complaint against Axis Bank for failing to deliver a debit card welcome kit despite repeated follow-ups and 40+ days of waiting. The complaint highlights negligence, poor tracking support, and lack of accountability. Learn the full details, legal options, complaint filing steps, and how Choice4Voice.com can help.
Complaint Summary
| Details | Information |
|---|---|
| Complainant Name | Vanya V |
| Company/Brand | Axis Bank |
| Service Type | Debit Card / Banking Services |
| Issue | Debit card welcome kit not delivered despite repeated follow-ups |
| Timeline | Waiting since August 2025 (40+ days delay) |
| Attempts Made | Multiple follow-ups, branch visits, RM escalation |
| Bank’s Response | Bank blames courier company, no resolution provided |
| Complainant’s Demand | Immediate delivery of debit card and accountability from Axis Bank |
Full Write-up
Vanya V, a verified professional, has reported extreme dissatisfaction with Axis Bank’s debit card services.
Despite applying for a debit card in August 2025, she has not received her welcome kit even after 40+ days. The bank claims that the card was dispatched twice via Speed Post, but the tracking status still shows “In Transit” with no progress.
The complainant made multiple follow-ups, visited the bank branch twice, and contacted her Relationship Manager (RM). Unfortunately, the RM disowned responsibility, stating that the courier company is to blame.
This case reflects a serious service failure in one of India’s leading private sector banks, which promotes itself as customer-first and tech-driven. Failure to deliver a basic banking instrument like a debit card exposes customers to financial risks, delays in transactions, and unnecessary stress.
Author Section
Author: Vanya V
Profession: Verified Professional in Visual Communication
Complaint Date: September 2025
How Choice4Voice.com Can Help
At Choice4Voice.com, we empower consumers like Vanya V to get justice. By documenting unresolved cases and raising awareness, we put public and legal pressure on companies.
For this case, Choice4Voice.com can:
- Escalate the matter to Axis Bank’s grievance redressal team.
- File a complaint with the Banking Ombudsman (RBI) for deficiency in service.
- Share the case with regulators and the wider public to ensure accountability.
Applicable Legal Cases
- Consumer Protection Act, 2019 – Deficiency in service & unfair trade practices.
- Banking Regulation Act, 1949 – Failure to provide essential banking service.
- RBI Guidelines on Customer Service in Banks – Non-compliance with fair practices.
Departments / Authorities Where Complaint Can Be Filed
- RBI Integrated Ombudsman Scheme (RBI IOS) – cms.rbi.org.in
- National Consumer Helpline (NCH) – 1800-11-4000 or consumerhelpline.gov.in
- District Consumer Disputes Redressal Forum (DCDRF) – Local consumer court
Step-by-Step Guide to File a Complaint
- Collect Evidence – Account details, application form, tracking details, follow-up records.
- Email Axis Bank Grievance Team – Send a formal demand for resolution.
- Escalate to RBI Ombudsman – If unresolved in 30 days, file a complaint at cms.rbi.org.in.
- Approach Consumer Forum – Demand refund, compensation for delay, and damages for harassment.
- Raise Public Awareness – Share verified complaints on platforms like Choice4Voice.com.
Pre-Drafted Complaint Templates
1. RBI Ombudsman Complaint
To,
The RBI Ombudsman,
Subject: Complaint Against Axis Bank – Non-Delivery of Debit Card
I, Vanya V, applied for a debit card in August 2025 from Axis Bank. Despite multiple follow-ups and reassurances, my card has not been delivered even after 40+ days. The bank is shifting blame to the courier company, which is unacceptable.
Reliefs Sought:
1. Immediate issuance of debit card.
2. Compensation for delay and mental harassment.
3. Accountability of Axis Bank for service deficiency.
Sincerely,
Vanya V
2. National Consumer Helpline Complaint Email
To: nch-ca@nic.in
Subject: Complaint Against Axis Bank – Debit Card Not Delivered
Dear Sir/Madam,
I applied for a debit card with Axis Bank in August 2025. Despite multiple follow-ups, the card has not been delivered. Axis Bank blames the courier company without taking responsibility. Kindly intervene and take action.
Regards,
Vanya V
Brand Background: Axis Bank
- Founded: 1993 (formerly UTI Bank)
- Headquarters: Mumbai, India
- Services: Retail banking, debit/credit cards, loans, corporate banking
- Known Issues: Customer service delays, debit/credit card non-delivery, high complaint volume
Official Contact Channels:
- Website: www.axisbank.com
- Email: grievance.officer@axisbank.com
- Twitter: @AxisBankSupport
Q&A
Q1: What should I do if Axis Bank does not deliver my debit card?
Ans: Escalate to Axis Bank’s grievance redressal team, and if unresolved, approach RBI Ombudsman.
Q2: How long does Axis Bank take to deliver a debit card?
Ans: Normally 7–14 working days, but delays beyond 30 days are service deficiency.
Q3: Can I demand compensation for non-delivery of a debit card?
Ans: Yes, under Consumer Protection Act, 2019, you can claim compensation.
Q4: Who regulates debit card services of Axis Bank?
Ans: Reserve Bank of India (RBI) regulates banking services.
Q5: How do I file a complaint with RBI Ombudsman against Axis Bank?
Ans: File online via cms.rbi.org.in with supporting documents.
Q6: Can the bank blame the courier company for non-delivery?
Ans: No, the bank is legally responsible for ensuring card delivery.
Q7: What is the Axis Bank grievance redressal email?
Ans: grievance.officer@axisbank.com.
Q8: What happens if my debit card is lost in transit?
Ans: The bank must block it and issue a new one free of charge.
Q9: Is a debit card delay considered deficiency in service?
Ans: Yes, as per Consumer Protection Act, it is a valid complaint.
Q10: How do I track my Axis Bank debit card dispatch?
Ans: Through the tracking link provided via SMS/email.
Q11: What is the RBI Integrated Ombudsman Scheme (IOS)?
Ans: A scheme for quick resolution of complaints against banks and NBFCs.
Q12: Can I file a complaint on consumerhelpline.gov.in against Axis Bank?
Ans: Yes, it is an official consumer grievance portal.
Q13: How do I approach the Consumer Forum against Axis Bank?
Ans: File with District Consumer Disputes Redressal Forum with proofs.
Q14: What is the penalty on Axis Bank for service deficiency?
Ans: Refund, compensation, and court-ordered damages may be imposed.
Q15: Can I escalate debit card delivery delays to RBI directly?
Ans: Yes, via Ombudsman if Axis Bank fails to resolve in 30 days.
Q16: Is visiting the branch necessary for debit card complaints?
Ans: No, you can resolve it via grievance redressal or RBI Ombudsman.
Q17: How many days should I wait before filing with RBI Ombudsman?
Ans: 30 days after raising the issue with Axis Bank.
Q18: Can non-receipt of a debit card affect my financial transactions?
Ans: Yes, it restricts ATM withdrawals and card-based payments.
Q19: Does Axis Bank provide updates on debit card dispatch?
Ans: Yes, via SMS/email, but often consumers report tracking failures.
Q20: Can I demand free reissuance of a debit card?
Ans: Yes, if delay or loss is due to Axis Bank’s fault.
