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Fraudulent Transactions Using an ICICI Bank Credit Card

ICICI Bank prioritises your privacy and implements stringent security measures to protect your credit card account. Bank employees will never ask for your credit card number, OTP, or CVV. Sharing your OTP or personal details with unauthorised individuals can lead to fraudulent transactions on your credit card. 

 

There are various other ways in which your card may be used to commit fraud. Unauthorised transactions using your ICICI Bank credit card include charges you did not approve of or transactions originating from unfamiliar locations. 

 

Report such incidents to ICICI Bank immediately and, if necessary, block your card to minimise financial loss. You may also file a dispute for the transaction in question.

How to Report an Unauthorised Transaction to the Bank

ICICI Bank’s customer care team acts quickly when notified of suspicious activity on your credit card. Report it to its executives immediately to get guidance on the next steps. Prompt reporting ensures you are not liable for unauthorised charges, as per the guidelines set by the Reserve Bank of India. The bank may block your card and issue you a new one. 

 

Noticing unauthorised transactions allows you to block the card yourself, speeding up the process. The bank provides the following channels to report unauthorised transactions on your credit card or block your card:

 

Use Net Banking

You can report unauthorised transactions or block your credit card through ICICI Bank's official Net Banking portal under ‘Customer Services’.

 

Call the Customer Support Team

ICICI Bank offers different contact numbers for quick assistance. There is also a separate number for domestic customers travelling overseas. Use the contact details below:

  • Customer Care Number: 1800 1080

  • Backup Customer Care Number: 1860 120 7777

  • Customer Care Number for Domestic Customers Travelling Overseas: +91 22 33667777

 

Send an Email to the Customer Support Team

You can reach the bank’s customer care team via email. Use this option for any queries or complaints related to your credit card, including fraudulent transactions. The email address is customer.care@icicibank.com. 

 

You can also report any suspicious emails to antiphishing@icicibank.com.

 

Access the iMobile App

ICICI Bank’s iMobile Pay app allows you to manage all your banking tasks on the go. You can use the app to block your card directly.

 

Use WhatsApp Banking

You can block your card using ICICI Bank’s WhatsApp service. To activate it, follow these steps:

  1. Add ICICI Bank’s official WhatsApp number, +91 86400 86400, to your contacts

  2. Open WhatsApp on your registered mobile number

  3. Send the message ‘Hi’ to this number

 

Visit a Branch

If you prefer in-person assistance, you can visit an ICICI Bank branch. The help desk executives will assist you with raising a dispute or blocking your card.

How to Block Your ICICI Bank Credit Card Through Net Banking

You can report any ICICI Bank credit card fraud online via the bank’s official website and block your card. Follow these steps and act promptly if you detect unauthorised transactions: 

  1. Go to the official ICICI Bank website 

  2. On the home page, navigate to the 'Customer Service' tab

  3. Click on 'Service Request'

  4. Select ‘Credit Card’ from the left side option and click on ‘Block Credit Card’ 

  5. Login to your net banking account with the required credentials like user ID and password

  6. Submit the information 

 

The bank will review your request and block the card quickly. It will also send updates to your registered email ID and/or through an SMS to your registered mobile number.

How to Block Your ICICI Bank Credit Card Through Phone Banking

ICICI Bank’s toll-free service is available to you for reporting unauthorised transactions. Follow these steps if a fraudulent transaction appears in your statement:

  1. Dial ICICI Bank's helpline numbers 1800 1080 or 1860 120 7777 (backup).

  2. Tell the representative about the suspicious transaction and request them to block your card.

  3. The bank will investigate the matter upon your report.

 

After verification, the bank will block your card. If the unauthorised transaction is verified as a bank error, you will be compensated for the loss, if any.

 

To streamline the reporting process, keep the following details ready:

  • Type of unauthorised transaction

  • Credit card number

  • Transaction amount

  • Date of transaction

 

Always check messages or emails on your registered mobile number for notifications about suspicious charges. You can use them to check and verify transaction details in real time. 

Frequently Asked Questions

How can I block my ICICI Bank credit card?

You can block your credit card via net banking, phone banking, call, email, WhatsApp banking or through the iMobile Pay App. If you are unsure about digital methods, you can visit the nearest ICICI Bank branch and report the issue to a bank representative. 

What steps should I follow to reissue my credit card?

If your credit card is lost or damaged, or you have not received your replacement card, you can request a reissue through net banking. Follow these simple steps to get your new card issued:

  1. Log in to the bank’s official net banking portal

  2. Click on the ‘Customer Services’ tab

  3. Go to the ‘Service Requests’ tab

  4. Then go to the ‘Credit Card’ tab on the left

  5. Click on the ‘Replacement / Renewal card not received’

  6. Login to your net banking account with the required credentials like user ID and password

  7. Submit the application

What should you do if your card is lost or damaged?

If your card is lost or damaged, promptly report the issue to the bank using your preferred method. The bank will block your card to prevent any fraudulent transactions and will initiate the process of issuing a replacement.

What should I do if I receive a suspicious email?

If you receive a suspicious email, immediately report it to antiphishing@icicibank.com. Avoid clicking on any links or downloading attachments from unknown sources to protect your information.

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