How to dispute a wrong transaction on my credit card
Aanya Sawant
Asked 5 Apr 2026
I see a transaction of ₹2,00,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
2 Answers
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.