Last Updated: April 2026
⚖️ RBI Zero Liability Rule (3-Day Limit)
Agar aapke credit card par koi unauthorized transaction hota hai aur aap use 3 working days ke andar report karte hain, toh aapki liability zero ho sakti hai. Iska matlab hai ki poora refund bank ki zimmedari ho sakti hai.
Official Framework: Customer liability in unauthorized electronic banking transactions is strictly governed by the RBI. You can read the official circular on protection and timelines here: RBI Master Direction - Credit Card Fraud Liability and Customer Protection (2026) .
Fraud Reporting: Immediate Actions
iMobile app mein jayein aur card ko permanent block karein taaki fraud aage na badh sake.
ICICI 24/7 Helpline 1800 1080 par call karein aur transaction dispute raise karein.
Online portal cybercrime.gov.in par complaint register karke uski copy bank ko provide karein.
All Ways to Block Your Credit Card
📱 via iMobile Pay App
- Login and go to 'Cards & Forex'.
- Choose your Credit Card.
- Tap 'Manage Card' and toggle the 'Block Card' switch to permanent.
💬 via SMS (No Internet)
Send SMS from registered mobile number:
Send to 5676766
💻 via Internet Banking
- Login to ICICI NetBanking.
- Go to 'Cards & Forex' > 'Credit Cards'.
- Select 'Block Your Credit Card' and follow prompts.
📞 24/7 Fraud Helpline
Call the dedicated emergency number immediately:
Select the option for 'Report Fraud/Unauthorized Transaction' to jump the queue.
Frequently Asked Questions (FAQs)
⚖️ Kya fraud transaction ka poora paisa wapas milta hai?
Haan, agar aap unauthorized transaction ko 3 working days ke andar bank ko report karte hain, toh RBI ke 'Zero Liability' rule ke mutabiq aapko poora refund mil sakta hai.
⏳ Fraud report karne ki deadline kya hai?
Maksimum suraksha ke liye aapko 3 working days ke andar report karna chahiye. 4-7 din ke delay par aapki limited liability ho sakti hai.
🛡️ OTP share karne par kya refund milega?
Agar fraud user ki negligence (jaise OTP ya PIN share karna) ki wajah se hua hai, toh jab tak bank ko report nahi milta, tab tak ka loss user ko hi bharna padta hai.
📞 ICICI fraud reporting helpline number kya hai?
Aap 24/7 emergency helpline 1800 1080 par call kar sakte hain ya iMobile app se turant card block kar sakte hain.
📝 Kya Police FIR zaroori hai?
Haan, bade amounts ke fraud cases mein bank aapse Cybercrime FIR ki copy mangta hai taaki dispute process aage badh sake.
💰 Fraud amount ka refund kab tak aata hai?
Dispute raise karne ke baad bank aam taur par 10 working days mein Shadow Credit (provisional refund) de deta hai jab tak investigation poori na ho.
🚫 Kya card block karne ke baad bhi charges lagte hain?
Nahi, ek baar card block hone ke baad koi bhi naya transaction nahi ho sakta. Purane disputed transactions par bank investigation tak interest waive kar deta hai.
🌍 International fraud reporting kaise karein?
International transactions ke liye aap iMobile app se turant 'International Usage' band karein aur bank ko global helpline par call karein.
Tracking Your Fraud Dispute
Ek baar jab aap fraud report kar dete hain, toh aapko ek Service Request (SR) Number milta hai. Is number se aap apna status aise track kar sakte hain:
iMobile: Help & Support > Track Requests > Enter SR Number.
NetBanking: Customer Service > Service Requests > View Status.
Note: Dispute resolution mein aam taur par 30-45 working days lagte hain.