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

    A fraudulent card transaction is an unauthorised transaction that is carried out with your credit card. The thief either physically steals your credit card, or steals your card information via phishing or credit card skimming and uses it to make payments, or withdraw cash.

    Steps to Report Fraudulent Transactions

    How to Report Fraudulent Credit Card Transactions to Reserve Bank of India

    • To report a fraudulent transaction that has been made using your credit card, you should contact the RBI by giving a missed call to 14440.

    How to Report Fraudulent Credit Card Transactions to SBI

    • You should send the SMS ‘BLOCK XXXX’ to 5676791 from the mobile number that has been registered with the bank. (XXXX are the last four digits of the credit card number).
    • You can also report unauthorised transactions that have been made using your credit card by calling SBI credit card customer care number at 39 02 02 02 (prefix local STD code) or 1860 180 1290.

    How to Report Fraudulent Credit Card Transactions to HDFC Bank

    Hotlist your HDFC Bank credit card via net banking:

    • Log in to the HDFC net banking portal.
    • Click on the ‘Card’ tab.
    • Next, click on ‘Request’ under the credit cards section.
    • Now, choose ‘Credit Card hotlisting’ and hotlist the credit card.

    Report unauthorised credit card transactions via phone banking:

    How to Report Fraudulent Credit Card Transactions to ICICI Bank

    Block your ICICI Bank credit card using net banking:

    • Once you log in to your ICICI net banking account, click on ‘Customer Services’.
    • Select ‘Service Requests’.
    • Under the section, ‘Credit Card Dispatch Related’, choose ‘Block Credit Card’.
    • Click on the credit card you want to block.
    • Click on ‘Submit’.

    How to Report Fraudulent Credit Card Transactions to YES Bank

    Block your YES Bank credit card via net banking:

    • Log in to the YES BANK net banking portal.
    • Next , select ‘Credit Card’.
    • Finally, choose ‘Block Lost/Stolen Card'.

    Block your YES Bank credit card via mobile banking:

    • First, you need to download the YES Mobile app on your phone.
    • Now, register yourself on the app.
    • Now, click on ‘Credit Card’.
    • Next, choose ‘Block Lost/Stolen Card’.
    • Now, enter your MPIN and confirm the action.
    • Your card will be blocked.

    Block your YES Bank credit card via YES Pay:

    • Download the YES Pay app, register and log in.
    • Now choose ‘Manage Cards’.
    • Next, click on ‘Requests'.
    • Finally, select ‘Block Card’.

    Report unauthorised credit card transactions via phone banking:

    How to Report Fraudulent Credit Card Transactions to Axis Bank

    To report an unauthorised transaction that has taken place on your Axis Bank credit card, you can follow any of these steps:

    • You can call the Axis Bank credit card customer care at 1860 419 5555 and report the fraud.
    • You can also visit the nearest Axis Bank branch and report the fraudulent transaction that has taken place using your credit card.

    How to Report Fraudulent Credit Card Transactions to IndusInd Bank

    Block the credit card via phone banking:

    Block the credit card through Indus Net:

    • Log into the IndusNet portal.
    • Now, select 'Service Requests’.
    • Next, choose ‘Credit Card Requests’.
    • Now, select ‘Credit Card Blocking Request’.
    • Next, choose the credit card that you want to block.
    • Finally, click on ‘Submit’.

    Block the credit card by using the bank's mobile app:

    • Log in to the app
    • Now, select ‘Service Request’
    • Next, choose ‘Card Related Requests’
    • Next, click on the credit card you want to block.
    • Now, click on ‘Block Credit Card'.

    Block the credit card via SMS:

    • You have to send the SMS BLOCK to 5676757.
    • This message should be sent from the mobile number you have registered with the bank.

    How to Report Fraudulent Credit Card Transactions to Citibank

    Report fraudulent transactions made on your credit card via the bank's website:

    • After you log in, click on ‘Credit Card’.
    • Now, choose the credit card with which the unauthorised transactions have been made.
    • Next, click on ‘Account Statement’.
    • Then, choose 'Dispute’.
    • Now, select the fraudulent transaction.

    Report fraudulent transactions made on your credit card via mail:

    • On the Citibank website, click on ‘Banking’.
    • Now, click on ‘Other Services and Queries’.
    • Next, select ‘Your Queries’.
    • Now, choose ‘Compose a Mail’.

    Report fraudulent transactions made on your credit card by contacting customer care:

    How to Report Fraudulent Credit Card Transactions to RBL Bank

    How to Report Fraudulent Credit Card Transactions to Standard Chartered Bank

    • Log in to the Standard Chartered Bank's online banking portal or app.
    • Next, click on ‘Help & Services’.
    • Now, select ‘Card Management’.
    • Next, choose ‘Report Lost/Stolen Card’.
    • Now, a set of instructions will come up on the screen.
    • Once you complete the process, your credit card will be blocked.

    How to Report Fraudulent Credit Card Transactions to Kotak Mahindra Bank

    How to Report Fraudulent Credit Card Transactions to Punjab National Bank (PNB)

    • You can call the PNB credit card customer care at 18001802345 or 0120– 4616200 and hotlist your credit card.
    • You can send a mail to creditcardpnb@pnb.co.in and hotlist your credit card.
    • To hotlist your credit card, you can send the SMS (HOT>space>card umber) to the number, 5607040 from the mobile number that has been registered with the bank.

    How to Report Fraudulent Credit Card Transactions to IDBI

    • You can report any unauthorised transactions on your credit card by calling IDBI credit card customer care number at 1800 425 7600 (toll-free), or +91-022 - 4042 6013 (non-toll-free).
    • You can also write to idbicards@idbi.co.in and report any fraudulent transactions that have been made using your credit card.

    How to Report Fraudulent Credit Card Transactions to HSBC

    • You should immediately call the HSBC credit card customer care number at 1800 209 0100/1800 121 2209 and ask them to block your credit card.
    • You can write to info@hsbc.co.in and report fraudulent transactions that have been made using your credit card.
    • You can also visit https://www.hsbc.co.in/help/contact/ to get more information on the HSBC numbers you can call to report unauthorised transactions on your credit card.

    How to Report Fraudulent Credit Card Transactions to Canara Bank

    • You can write a mail to reportphishing@canarabank.com or cbgimb@canarabank.com
    • You can also call any of these numbers:
      • 1800 425 0018
      • 1800 103 0018
      • 1800 208 3333
      • 1800 3011 3333

    How to Report Fraudulent Credit Card Transactions to Bank of Baroda

    How to Report Fraudulent Credit Card Transactions to Bank of India

    • You can hotlist your credit card by calling the Bank of India credit card customer support number at 1800 220 088 (toll-free), or the landline number, (022)40426005/40426006.
    • You can send an email to headoffice.cpdcreditcard@bankofindia.co.in and request the bank to block your Bank of India credit card.

    How to Report Fraudulent Credit Card Transactions to Indian Bank

    Things to Keep in Mind While Reporting a Fraudulent Transaction

    • Make sure to take a screenshot of the SMS you have received regarding the fraudulent transaction.
    • Remember to ask the bank for your complaint reference number.
    • You have to record any phone conversation that you have with the bank.
    • You can also follow the call with an email to the bank with your reference number.

    Refund Rules for Fraudulent Transactions

    Time taken to report the transaction from the date of receiving the communication Customer's liability
    Within 3 working days NIL
    4-7 working days The transaction amount or the amount mentioned in the maximum liability table, whichever is lower
    More than 7 working days As per the bank's board-approved policy

    Maximum liability of the customer if the fraud is reported in 4 to 7 days

    Credit card with limit up to Rs.5 lakh Rs.10,000
    Credit card with limit more than Rs.5 lakh Rs.25,000

    FAQs on Reporting Credit Card Frauds in India

    1. Will the bank refuse to refund the lost amount?

      Keep in mind that all digital transactions go through a lot of intermediary platforms like the payee's bank, the payer's bank, and the payment gateway. Every transaction needs to be encrypted and data should ideally never be stored with any of the intermediaries. So, if any fraud takes place during the process, you as a customer will not be held liable if the fraud has been reported within the time frame set by the bank.

    2. How long will a credit card investigation take?

      Based on the amount that has been lost and the scale of theft, the investigation can take from a few days to a month.

    3. What are counterfeit credit cards?

      A counterfeit credit card is a duplicate of your credit card that thieves create after stealing your account information.

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