If its pishing from your end by click spam links you might not get. But if its becos of hacking or breach of data for sure you will get it. I read the article couple of years back, banks should pay the acount holder if they loose money by any kind of breaches.
I did not click on any phishing link. Infact I was sleeping when transactions took place. Hopefully I’ll get the money refunded..
The guy told me that these are international transactions and you don’t need to file FIR for the same..
I have 5 more cards and I have been using CC since last 10 yrs. All other cards have international transactions disabled unfortunately this card had them enabled.. 
I was also charged with 27$ on my citi card.. i reported within minutes and they blocked the card and reversed the transaction..
Also, it’s advised to everyone.. those who don’t do international transactions.. turn off your international transactions on all cards.. because international transactions don’t require OTP..
Hi Guys, yesterday I got a plain standard reply from my CC branch :
Dear Customer,
This is with reference to your Service Request no. SAK00000728605 regarding disputed transaction for which you have raised a query.
Subsequent to the documents submitted by you, Bank has concluded the investigation process and we regret that Bank will not be able to refund the disputed amount as the transactions are secured two factor authenticated transactions with OTP/PIN.
Further, the shadow credit, if provided on your account, is being removed. In case of Credit Card, you are requested to make the payment at the earliest to avoid any additional charges.
In case you are not satisfied with our response, you may contact our Nodal Office at 080-61865200 (between Monday to Friday from 9:30 am to 5:30 pm except 2nd & 4th Saturdays and Bank holidays) or write to us at [email protected]
Seriously! I mean how can they say that the transactions were done using OTP?? I didnt even received any OTP.. Anyway, I have already raised the matter to the nodal officer and now waiting for their reply. I have also filed an FIR in local police station and also raised complaint on cybercell website. I will go till the end but won’t let leave this easily.. 😡
My reply to the email by keeping the Nodal officer in loop
Hi, Thank you for your response. First of all I have never authorized these transactions with any OTP/PIN and also all these transactions are done in foreign currency in other country whereas I have not travelled outside India when the transactions were carried out. As soon as I got the messages about these transactions, I immediately called the bank and blocked the card. As per RBI, As I have had informed the bank in less than half an hour of the transactions time, it is bank’s responsibility to do a thorough investigation and I am not liable to pay the disputed fraud transactions amount. BTW, Can you please let me know what documents did you check? I have not submitted any documents. I was told by customer executive that as it’s an international transaction, police FIR is not required and the transactions details are already available with the bank. If issue is not resolved, I am ready to go to higher authority if required.
fir karvayi ki nahi?
Yes, FIR karwai hai
Some link which might be worth reading for you OP
Hi Guys, Got call from Nodal Officer today and she said they will do the investigation again and will get back in 3 days. I told her that I need to know the authenticity of transactions, the IP address from where the transactions were done, details of merchant. Lets see what they reply..
CC also to
PNO @ axisbank.com
(remove spaces)
Principal Nodal Officer for Axis Bank Ltd.
Mrs. Neeta Bhatt
Senior Vice President
Axis Bank Ltd. 4th Floor, Axis House, Wadia International Center,P.B. Marg, Worli, Mumbai – 400 025.
Ph. 080-61865098Timings: 9.30 am to 5.30 pm (Monday to Saturday)(except second and fourth Saturdays and Bank Holidays
Hello Guys,
I got following update from the Nodal Officer 😃 :
Dear Mr. Joshi,
Thank you for writing to Axis Bank.
We acknowledge the receipt of your email dated 02-01-2022 addressed to Nodal Office regarding unauthorized transactions on your concern on Credit Card.
As per the service request 220102237278 we understand your concern regarding unauthorized transactions on your Credit Card , we would like to inform you that we have raised a charge back for the transaction mentioned and the due date for the same is 22-02-2022
Hope we addressed all customer concerns.
I'm relieved now! 
You lost more than you recovered if sutta becomes a habit 
On 01 Jan 2022 I sent money from my PNB via Upi 25000/- to someone and otherside the person got it immediately in his account
On 02 Jan 2022 Next Day after 24 hours I got Upi debit Msg from PNB and I got shocked thinking of Unauthorised transaction in my saving account. I totally forgot about my earlier transaction on 01 Jan 2022 and did not check my bank statement too. I immediately called CC about unauthorised transaction of 25000/-
10 times I called them 10 times they told me ‘Nothing to worry, Our manger said it is due to Bank Error/ Glitch . It’s not from your Upi user side.Its not a fraud transaction.It will be reversed soon with 24 Hours to 1 week.Hence you do not need to report this at all and they further added it’s not happened with you only we are getting lot of calls from other users as well of different amounts random account debits by bank.
Third day when I checked bank statement I came to know the 01st Jan evening transaction was debited on 02 Jan evening.
I got to know that it was totally my misunderstanding and my account was balanced equally after that delayed debit. I stopped calling them. After 5 days I got refund/ Credit msg from PNB 25000/- too
Immediately cleaned my whole balance from PNB and shifted to another bank and enjoyed the whole day and slept a peacefull sleep
Dear Customer, Rs. 25000 is credited in your a/c on date 1/7/2022 12:00:00 AM for SRN No. I038065572. For further assistance pl call 18001802222/18001032222.
Did you get any reply from nodal officer
I have flipkart axis credit card on 29 December 2022 at morning 5 am fraud taken of 43390,totally 11 transactions. I have reported around 8 in morning as I got up at that time and immediately reported and blocked card, I got a reply that I will be taken care, but today they sent a mail saying that it was authorised transaction and I have to pay,why will I pay when I have not done anything I have filed a cyber complaint also.without sharing otp nor card no how can a transaction take place, I doubt those who have axis card check for your security as in 10 to 15 mins fraudster has taken entire limit and moreover no flag or suspicious activity detected by their systems.i have totally 4 cards this is the new card becoz of flipkart cash back I took this card. Did not know it would ruin my mental peace. I have to file complaint plz comment what I can do further
I have written to the nodal officer also
Someone used my flipkart axis Bank credit card and used 90000rs , do i have to register FIR ? Immediately i blocked the card , what i have to do now ?
Register FIR along with tell axis Bank card to block this transaction as it was unauthorised and request chargeback.
Should I have to complain in the local police station or cyber crime website
Nearby Cyber cell department
Registered complaint in cyber crime portal , raised charge back request to axis Bank, is FIR also needed ? Someone guide me
Domestic transactions
Dear Customer,
This is with reference to your Service Request no. SAK00001580863 regarding disputed transaction for which you have raised a query.
Subsequent to the documents submitted by you, Bank has concluded the investigation process and we regret that Bank will not be able to refund the disputed amount as the transactions are secured two factor authenticated transactions with OTP/PIN.
Further, the shadow credit, if provided on your account, is being removed. In case of Credit Card, you are requested to make the payment at the earliest to avoid any additional charges.
In case you are not satisfied with our response, you may contact our Nodal Office at 080-61865200 (between Monday to Friday from 9:30 am to 5:30 pm except 2nd & 4th Saturdays and Bank holidays) or write to us at [email protected]
Axis Bank is committed to delivering the best service at all times. Visit https://www.axisbank.com/bank-smart/safe-banking/precautions-for-online-banking to read a few safe banking practice to ensure you continue to enjoy seamless banking with Axis Bank.
Always open to help you.
Regards
Axis Bank Ltd.
What i have to do now ?
Bro domestic transaction without otp is not easily possible....explain a bit more like where exactly it was used like at any ecom then contact there for support
Yes. It is big problem as otp is must to do domestic transactions. Now only international transactions can be charged back as banks are saying you shared otp for domestic transactions. Basically cc companies usually denying domestic transactions now a days.
On date 27 September 2023 I received a otp for transaction of rupees 13792.96 on 27 September 2023 of payu money and I didn’t share my otp to anyone and i also received 3 otp for viewing axis bank credit card details but I didn’t shared single otp to anyone but then I received message of deducting 13792.96 from axis bank that rupees 13792.96 is spend and available limit then message came from axis bank that this transaction of rupees 13792.96 seemed suspicious and blocked my card the bank also found out this transaction as suspicious and it was that I didn’t filled the otp and transaction was done on my card please help me to get my money back to me it was not my fault the transaction occurred automatically without sharing the otp to anyone please hold this transation and revert the transaction and please contact me for any other details requires for the no liability to customer when reporting in 3 days please contact me for furter any update please help me to get my money back
Always keep international transactions off . Check if its off
My reply to the email by keeping the Nodal officer in loop
Hi, Thank you for your response. First of all I have never authorized these transactions with any OTP/PIN and also all these transactions are done in foreign currency in other country whereas I have not travelled outside India when the transactions were carried out. As soon as I got the messages about these transactions, I immediately called the bank and blocked the card. As per RBI, As I have had informed the bank in less than half an hour of the transactions time, it is bank’s responsibility to do a thorough investigation and I am not liable to pay the disputed fraud transactions amount. BTW, Can you please let me know what documents did you check? I have not submitted any documents. I was told by customer executive that as it’s an international transaction, police FIR is not required and the transactions details are already available with the bank. If issue is not resolved, I am ready to go to higher authority if required.