If I am asked to return something to a different card, It
is at my discretion as a manager whether to do it, the EPOS system would not know whether it was the same card or not, and in any case, with the chip and pin system, which for a refund you don't need a pin for anyway, the assistant would not see the card anyway. If the assistant asks to check the last four digits on the card to be sure they match the last four on the receipt, and refuses to process the refund as it is a different card, ask to speak to a supervisor (politely) and as long as you show that the names match on the 2 cards in your possession, the refund should be done as you ask. It is as i have said, a discretionary thing with the manager. I personally have done this on occasion especially when the customer has been unhappy, as customer service is a priority.