How to dispute a wrong transaction on my credit card
Yogesh Patil
Asked 13 Jun 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 had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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