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Writer's picturelead india
May 22, 20233 min read

How Can I File A Cyber Crime Complaint Against Credit Card Fraud?

What happens if my credit card is stolen and used by someone else? And in India, who is accountable for credit card fraud? If you own a credit card, you cannot escape having these kinds of uncertainties. People who engage in financial transactions are always exposed to financial risks. Credit cards offer rapid, hassle-free access to short-term loans without a tonne of paperwork.


One of the main motives for having numerous credit cards is this. Things are not too difficult if you have a basic understanding of how to report credit card fraud in India and the subsequent procedure. A few safeguards can be taken to prevent credit card fraud. Learn more about credit card fraud in India by reading the information below.


India's credit card fraud laws

Credit or debit cards are not covered by any specific laws. Being the parent bank at the national level, the Reserve Bank of India continuously issues guidelines to protect the interests of both customers and banks. The RBI reiterates its responsibility for losses incurred as a result of credit card theft in India. The RBI encourages banks to take proactive steps to improve online transaction security in order to reduce these scams.


Punitive penalties are in place under both the Information Technology (IT) Act of 2000 and the Indian Penal Code (IPC), 1860, for individuals who act dishonestly or fraudulently and perpetrate credit card fraud. Depending on the offence committed, credit card fraud in India carries a sentence of 3 to 7 years in prison and a fine.

In India, what is the penalty for using a credit card fraudulently?

In India, the client or the relevant institutions bear the majority of the financial responsibility or penalties for credit card fraud, depending on the specifics of the case. Getting clarification is possible with the aid of a banking attorney. However, some laws, as illustrated below, punish offenders who commit such online financial frauds:

  • According to provisions in Section 66C of the Information Technology (IT) Act of 2000, a person is subject to up to three years in prison and a fine of up to Rs. 1 lakh if they use another person's electronic signature, password, or other unique identification feature dishonestly.

  • According to Section 66D, if someone impersonates another person while using a computer resource to defraud someone else, they could face up to three years in prison and a fine that could reach one lakh rupees.

  • According to Indian Penal Code, 1860 Section 468, anyone who fabricates a document or electronic record to be used in fraud is subject to a fine and a prison sentence of up to 7 years.

  • Section 471 - A person who uses a document or electronic record dishonestly or fraudulently while knowing that it was forged is punished in the same way as if they had really faked the document or electronic record.

How may credit card fraud be reported in India?

  1. As soon as you become aware of the credit card fraud, begin the complaint process right away, ideally within 48 hours.

  2. Call the bank that issued the aforementioned credit card's customer service number.

  3. Send us a message about credit card fraud in India.

  4. For future use, write down the "Complaint Reference Number."

  5. After then, call 1930 (Special hotline for online financial frauds) on the cybercrime helpline number.

  6. Cyber Cells typically don't file a financial complaint online until 48 hours after a fraud of this nature.

  7. The State and City where the event occurred, the complainant's name, credit card, bank account, or Aadhaar card information, as well as any other details necessary, would be requested by the concerned cyber cell personnel.

  8. Once more, it is important to remember that private information, such as OTPs, CVV numbers, or PIN codes, should never be disclosed, even when requested by officials.

  9. Instead of phoning the Cyber Crimes Cell at the above number if the credit card fraud in India occurred after 48 hours, go to their website to file an online report.

If the offense has been committed in Jaipur then Lawyers In Jaipur may be hired. Likewise, if the offense has been committed in Mumbai then Lawyers In Mumbai may be appointed. Lawyers In Gurgaon may be hired if the offense has been committed in Gurgaon.


Lead India offers a range of information, legal services, and free legal advice online to solve the issue. Ask a legal question for free online and Ask a legal question to receive the best advice in this situation.


Call Us: +91–8800788535

Email: care@leadindia.law



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