RBI Zero Liability Mandate: As per RBI’s Charter of Customer Rights, cardholders are protected from liability for unauthorized transactions if reported promptly. According to the mandate, reporting fraud within 3 working days results in Zero Liability for the customer. Delays of 4–7 working days result in limited liability (capped based on transaction value), while reports after 7 days are governed by individual bank policies. Immediate blocking is the primary requirement to qualify for these protections.
Step 1: SBI Credit Card Immediately Block Karein
SBI Card dedicated emergency toll-free number 1800 180 1290 ya 1860 180 1290 par call karke direct IVR se card block karein.
Apne registered mobile number se SMS bhejein: BLOCK <Last 4 digits of Card> to 5676791. Turant blocking confirmation receive hoga.
SBI Card App me login karke Service Request > Block Card chunein aur permanent block confirm karein.
Dial 1930 ya official portal cybercrime.gov.in par complaint darj karke acknowledgement slip save karein.
Agar card physical format me lost ya stolen hai, to: card block guide follow karein.
Step 2: Fraud Dispute Kaise Raise Karein?
Date, exact amount, time aur merchant name statement se confirm karein.
Card ke last 4 digits aur suspicious transaction details share karke formal dispute ticket raise karein.
Official Cardholder Dispute Form (CDF) download karein, sign karein aur police acknowledgement ke sath chargeback@sbicard.com par email karein.
Status track karne ke liye Service Request (SR) number zaroor note karein. Aap complaint status check bhi kar sakte hain.
SBI Chargeback Investigation Timeline
- Provisional Shadow Credit: 10–12 working days (Dispute verify hote hi statement me temporary credit milta hai).
- Merchant Verification: 30–45 working days (Network review period).
- Final Resolution: Genuine claim verify hote hi provisional credit permanent kar diya jata hai.
Final decision investigation complete hone ke baad SMS aur email par communicate kiya jata hai.
Agar investigation delay ho raha hai, to: escalation process follow karein .
RBI Zero Liability Rule Kya Hai?
RBI guidelines ke hisaab se agar customer fraud ko timely report karta hai, to unauthorized transaction ki liability zero ya limited ho sakti hai:
- 3 working days ke andar report: Zero liability (100% refund).
- 4–7 din delay: Limited liability (Max ₹10,000 depending on card variant).
- 7 din ke baad: Bank board policy ke anusaar review hota hai.
Fraud Escalation Process
Fraud complaint immediately register karein aur: status track karein .
SBI Card portal ke through written grievance escalate karein.
Resolution delay hone par Principal Nodal Officer (PNO) desk ko escalate karein.
30 din ke baad RBI CMS portal (cms.rbi.org.in) par complaint file karein (see: detailed escalation guide ).
Common Mistakes During Credit Card Fraud Reporting
- Fraud report karne me delay karna (3-day window miss hona)
- Card turant block na karna
- Cardholder Dispute Form (CDF) submit na karna
- Cybercrime complaint number attach na karna
- Reference number save na karna
Related Credit Card & Transaction Issues
Frequently Asked Questions (FAQ)
1. SBI credit card fraud report karne ka direct number kya hai?
24x7 dedicated emergency toll-free number 1800 180 1290 hai, aur cybercrime complaint ke liye national helpline 1930 hai.
2. Kya SMS se SBI credit card block kiya ja sakta hai?
Haan, registered mobile se BLOCK <Last 4 digits> likhkar 5676791 par bhejein.
3. Zero liability rule ka benefit kaise lein?
Zero liability ke liye unauthorized transaction ke 3 working days ke andar card block aur dispute report karna mandatory hai.
4. Chargeback investigation me kitna time lagta hai?
Aamtaur par SBI chargeback investigation me 30 se 45 working days ka samay lagta hai.
5. Kya investigation ke dauran fraud amount par bill bharna hoga?
Nahi, dispute form verify hone par bank provisional shadow credit deta hai jisse us disputed amount par late fees ya interest freeze ho jati hai.
6. Agar bank 30 din me samadhan na de toh kahan shikayat karein?
Agar 30 din me bank se resolution na mile, toh aap RBI Banking Ombudsman portal (cms.rbi.org.in) par apni shikayat darj kar sakte hain.
Why Trust This Guide?
This guide is based on publicly available SBI policies and RBI banking guidelines related to account operations, KYC compliance, and transaction handling.
Information is structured to help users understand real-world banking issues and resolution steps. For account-specific actions, always verify details on the official SBI website.