TL;DR: Every bank has a 24x7 fraud/dispute number, usually printed on the back of your card or listed on the bank's official app and website — call it the moment you spot an unauthorized transaction.
How to Report Credit Card Fraud to Your Bank in India — a clear, step-by-step guide to what to do and how long it takes.
Step 1: Call your bank's card fraud helpline immediately
Every bank has a 24x7 fraud/dispute number, usually printed on the back of your card or listed on the bank's official app and website — call it the moment you spot an unauthorized transaction.
Step 2: Ask the bank to block the card
Request an immediate block on the card to prevent further unauthorized transactions while your dispute is investigated.
Step 3: Raise a formal dispute in writing
Follow up the call with a written complaint (email or through the bank's app/portal) describing the unauthorized transaction(s) in detail — most banks require this to start the formal chargeback process.
Step 4: Report to 1930 for serious or repeated fraud
For significant fraud, also file a complaint through the National Cybercrime Helpline (1930) or cybercrime.gov.in, which creates an official record alongside your bank dispute.
If this looks similar to something else you've seen, it's worth reading How to Report Fraud on cybercrime.gov.in.
This pattern shows up elsewhere too — see How to Report Loan App Harassment in India.
Frequently Asked Questions
Step 1: Call your bank's card fraud helpline immediately
Every bank has a 24x7 fraud/dispute number, usually printed on the back of your card or listed on the bank's official app and website — call it the moment you spot an unauthorized transaction.
Step 2: Ask the bank to block the card
Request an immediate block on the card to prevent further unauthorized transactions while your dispute is investigated.
Step 3: Raise a formal dispute in writing
Follow up the call with a written complaint (email or through the bank's app/portal) describing the unauthorized transaction(s) in detail — most banks require this to start the formal chargeback process.
Step 4: Report to 1930 for serious or repeated fraud
For significant fraud, also file a complaint through the National Cybercrime Helpline (1930) or cybercrime.gov.in, which creates an official record alongside your bank dispute.