Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Citibank Credit Card Fraudulent Transactions

    Disputed transactions on credit cards issued by Citibank are addressed by the bank on the basis of certain policies which cater to the liability of the customer in regard to the fraudulent transactions. In the case of unauthorised usage of the cards, the bank offers ‘Zero Liability’ to the cardholders. However, it is subject to certain terms and conditions.

    Secured Transactions Vs Unsecured Transactions

    Secured transactions are the ones that are authorised using confidential information such as PIN and/or OTP. Unsecured transactions, on the other hand, are the ones that are not authorised through secured credentials such as PIN and/or OTP.

    Customer liability in case of Citibank Credit Card Disputed Transactions

    The customer liability in case of disputed or fraudulent credit card transactions has been listed in the table below:

    Time taken to report the fraud or disputed transaction Liability of the customer (in Rs.)
    Within 6 days Zero Liability
    Within 7 to 10 days
    • Credit card limit up to Rs.5 lakh – Rs.10,000
    • Credit card limit of more than Rs.5 lakh – Rs.25,000
    More than 10 days Full Liability

    How to Report a disputed Citibank Credit Card Transaction

    You can use one of the following methods to report a Citibank Credit Card transaction dispute:

    • Citibank Online:

      You can follow the steps mentioned below to report a disputed transaction through the online portal of the bank:

      • Step 1: Log in to the online portal of the bank at
      • Step 2: Navigate to the Credit Card section and click on the card for which you want to raise a complaint.
      • Step 3: Scroll down to the end of the account statement and select the ‘Dispute’ option.
      • Step 4: Click on the transaction for which you want to raise the dispute.
    • Email:

      Follow the steps mentioned below to write an email to the bank and raise a dispute:

      • Step 1: Log in to the online portal of Citibank Online
      • Step 2: Navigate to the ‘Banking’ section
      • Step 3: Click on the ‘Other Services and Queries’ option and then on ‘Your Queries’
      • Step 4: Click on the ‘Compose a Mail’ option and write the details of the transaction for which you wish to raise a dispute.
    • Contact CitiPhone:

      You can also get help over the telephone by contacting the Citibank credit card customer care on the following numbers:

      • 1860 210 2484
      • +91 22 4955 2484
      • 1800 267 2425

    Citibank Credit Card Dispute Resolution Process

    Once you raise a dispute and the same is accepted by the bank, a provisional credit will be provided against the disputed amount on the basis of the type of the transaction. However, if the dispute is not accepted by the bank, you will be required to make the payment for the same on or before the due date as per the statement of the credit card.

    In general, a maximum period of 90 days will be taken to resolve a dispute in regard to a credit card transaction. This period is subject to the guidelines of Visa and MasterCard.

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