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How to dispute a wrong transaction on my credit card

Durga Gohil

Asked 19 May 2026

5

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?

1 Answer

3
Esha Ganesh·26 Apr 2026

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.

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