IDFC FIRST Bank Credit Card: How to Raise Complaints

Whether you need to report an unauthorised transaction, a dispute in the statement entry, or follow up on a delayed response, knowing the right process saves time. This guide helps you identify the issue, choose the right complaint channel, and track what happens next without repeated follow-ups.

Most cardholders raise an IDFC FIRST Bank Credit Card complaint when an issue affects card security, charges, or usage. Clear identification of the issue helps route the complaint correctly and reduces resolution time.

Unauthorised Transactions

These include unrecognised charges, card-not-present transactions, and duplicate debits. Prompt reporting limits risk and supports quicker investigation.

Billing and Statement Discrepancies

This covers incorrect interest, late fees despite timely payment, and reward points not reflecting after eligible spends. Accurate billing records help with verification.

Transaction and Card Usage Issues

Declined transactions, unexpected card blocks, or failed payments despite sufficient limits fall under this category. Most cases need backend validation.

Service and Support Delays

These relate to slow responses, unclear updates, or unresolved service requests. Quoting earlier reference numbers helps speed up follow-ups.

When you clearly state the issue type and timeline, your IDFC FIRST Bank Credit Card complaint typically moves through internal checks with fewer follow-ups.

You can register an IDFC FIRST Bank Credit Card complaint through digital or offline channels, depending on urgency and documentation needs. Digital routes usually provide faster acknowledgement.

Step-by-Step Complaint Registration Process

1. Use digital banking first - Log in to mobile or internet banking and raise a service request under Credit Card support. You receive a reference number for tracking.
2. Use WhatsApp support for quick assistance - This works well for guidance, basic checks, and status updates
3. Email for documented disputes - Email support is suitable for billing disputes or unauthorised transactions that require invoices or screenshots
4. Call customer care if the issue is urgent - Speaking to an agent helps in cases of suspected fraud or card blocks
5. Escalate only after response timelines lapse - Always quote the original complaint reference when escalating
    

Avoid raising multiple complaints for the same issue, as this can slow resolution.

Once you submit an IDFC FIRST Bank Credit Card complaint, the bank acknowledges it and assigns a tracking number. The complaint then moves to a specialised team based on issue type.

Post-Complaint Process

• Initial review of transaction logs or account details

• Verification stage, where additional information may be requested

• Corrective action, such as reversals, fee adjustments, or service restoration

• Written confirmation once the case is closed
   

If the bank does not respond within the stated timeframe, you can escalate to the Principal Nodal Officer.

Customer service interactions are more effective and efficient when you prepare in advance. Whether you call or write, focus on facts rather than assumptions.

Best Practices for Faster Support

• Keep your masked card number and registered mobile number handy

• Clearly state the issue and expected resolution

• Ask for timelines and written confirmation

• Track updates using the complaint reference