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
24x7 helpline par call karke turant card block karein.
Login karke card management section me jaakar block option select karein.
Fraud transaction ka date, time aur merchant verify karein.
Fraud detect hote hi card block karna sabse pehla aur sabse important step hota hai.
Agar card lost ya stolen hai, to: card block guide follow karein.
Step 2: Fraud Dispute Kaise Raise Karein?
Date, amount aur merchant name confirm karein.
Card ke last 4 digits aur suspicious transaction details share karein.
Official dispute form ya email ke through written complaint karein.
Status track karne ke liye reference number zaroor note karein. Aap complaint status check bhi kar sakte hain.
SBI Chargeback Investigation Timeline
- Initial review: 7–10 working days
- Merchant verification: 30–45 days
- Complex international cases me timeline longer ho sakta hai
Final decision investigation complete hone ke baad 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
- 4–7 din delay → Limited liability
- 7 din ke baad → Bank policy par depend karega
Fraud Escalation Process
Fraud complaint immediately register karein aur: status track karein .
Official grievance portal par written complaint submit karein.
Resolution delay hone par nodal officer ko escalate karein.
30 din ke baad RBI CMS portal par complaint file karein (see: detailed escalation guide ).
Common Mistakes During Credit Card Fraud Reporting
- Fraud report karne me delay karna
- Card block na karna
- Written dispute form submit na karna
- Reference number save na karna
- Escalation level skip karna
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Related Credit Card & Transaction Issues
Frequently Asked Questions (FAQ)
1. SBI credit card fraud report kaise karein?
Sabse pehle turant card block karein, uske baad customer care ko fraud ki jankari dekar official dispute form submit karein.
2. Chargeback investigation me kitna time lagta hai?
Aamtaur par SBI chargeback investigation me 30 se 45 working days ka samay lagta hai.
3. Zero liability rule ka benefit kaise lein?
Zero liability ke liye aapko unauthorized transaction hone ke 3 working days ke andar bank ko report karna anivarya hai.
4. Kya fraud ke baad naya card lena zaroori hai?
Haan, purana card permanent block hone ke baad bank aapko naya card issue karta hai jiska PIN aur details alag hoti hain.
5. Agar main 7 din baad report karun toh kya hoga?
7 din ke baad report karne par liability ka faisla bank ki internal investigation aur unki policy ke aadhar par liya jata hai.
6. Fraud dispute status kaise track karein?
Aap apne complaint reference number ka upyog karke SBI Card ke online portal par status track kar sakte hain.
7. Kya fraud transactions par late fees lagti hai?
Investigation ke dauran disputed amount par late fees aur interest temporary taur par roka ja sakta hai jab tak faisla nahi ho jata.
8. Agar bank samadhan na de toh kahan shikayat karein?
Agar 30 din me bank se sahi resolution na mile, toh aap RBI Banking Ombudsman portal 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.