Last Updated: September 2026
🚨 Emergency: Block Card & Report Fraud Transaction
Agar credit card se anjaan transaction hua hai, toh bina login kiye turant card block karein aur cyber crime helpline par call karein:
RBI Zero Liability Matrix: Reporting Deadlines & Refund Rules
Official Framework: Customer liability in unauthorized electronic credit card transactions is strictly governed by the Reserve Bank of India. View the official guidelines on liability timelines: RBI Master Direction - Credit Card Fraud Liability and Customer Protection (2026) .
Fraud Reporting: 3 Immediate Steps
iMobile app, SMS syntax, ya WhatsApp banking ke zariye card ko turant permanent block karein taaki fraud transactions aage na badh sakein.
ICICI 24/7 Helpline 1800 1080 par call karein, 'Report Fraud' option select karein, aur transaction dispute register karke Service Request (SR) number lein.
National Cyber Crime Reporting Portal cybercrime.gov.in par complaint darj karein ya 1930 dial karein. Complaint acknowledgement number bank dispute documentation me attach karein.
All Ways to Block Your Credit Card
📱 via iMobile Pay App
- Login karke 'Cards & Forex' section me jayein.
- Apna Credit Card select karein.
- 'Manage Card' tap karein aur toggle switch se card ko 'Permanent Block' karein.
💬 via SMS (No Internet)
Registered mobile number se text bhejein:
Send to 5676766 ya 9215676766
💬 via WhatsApp Banking
Registered mobile number se official WhatsApp par text karein:
Automated menu se card verify karke block karein.
📞 24/7 Fraud Helpline
Dedicated emergency numbers par call karein:
IVR me direct 'Report Fraud' press karein taaki queue bypass ho sake.
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: Services > Check Status > Track Service Request.
Online Tracking Portal: Visit ICICI Complaint Status Check Guide →
Note: RBI guidelines ke anusaar provisional credit (shadow credit) 10 working days ke andar credit card account me reflect ho jata hai jab tak case complete na ho.
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 100% refund milta hai.
⏳ Fraud report karne ki deadline kya hai?
Full refund ke liye aapko 3 working days ke andar report karna hota hai. 4-7 working days ke delay par limited liability (max ₹10,000) lagti hai.
🛡️ OTP share karne par kya refund milega?
Agar fraud user ki negligence (jaise kisi ke sath OTP, CVV ya PIN share karna) ki wajah se hua hai, toh jab tak bank ko card block ki report nahi milti, tab tak ka loss cardholder ko bear karna padta hai.
📞 ICICI fraud reporting helpline number kya hai?
Aap 24/7 emergency helpline 1800 1080 par call kar sakte hain ya national cybercrime helpline 1930 par turant register kar sakte hain.
📝 Kya Police FIR zaroori hai?
Haan, credit card fraud investigation aur insurance settlement ke liye bank cybercrime portal (`cybercrime.gov.in`) ki complaint acknowledgement copy mangta hai.
💰 Fraud amount ka refund kab tak aata hai?
Dispute raise karne ke 10 working days ke andar bank card statement me provisional 'Shadow Credit' de deta hai, jisse aapko disputed amount par interest ya bill nahi bharna padta.
🚫 Kya card block karne ke baad bhi charges lagte hain?
Nahi, ek baar card block hone ke baad naye transactions freeze ho jate hain aur disputed fraud amount par late fees ya interest rok diya jata hai.
🌍 International fraud reporting kaise karein?
International transactions ke liye aap iMobile app se 'Manage Card' me jakar 'International Transactions' toggle band karein aur bank ko global customer care helpline par report karein.
Dispute Resolution Me Delay Ho Raha Hai?
Agar bank 30 din me aapka fraud claim solve nahi karta ya claim bina reason ke reject hota hai, toh Nodal Officer ya Ombudsman ko escalate karein.