What should I do if I notice a fraudulent international transaction on my Kotak credit card while traveling or after returning to India? Are there any specific steps I need to follow, and how can I get my money back or resolve the issue?
First, contact Kotak’s customer support immediately. You can reach them at 1860 266 2666 or through their online banking platform. They’re usually pretty responsive. It’s important to report it as soon as possible to minimize the damage.
You’ll be asked to provide details about the transaction, like the amount and the merchant, and explain why you think it’s fraudulent. Kotak may ask you to file a dispute form too, so be prepared for that.
Another thing I did was block my card to prevent any further unauthorized transactions. You can do that easily by calling customer service or using the Kotak mobile app. They’ll also guide you on how to get a replacement card.
It’s also worth checking if you have any fraud protection or insurance that Kotak offers with your card—it could cover some losses.
To make things easier for you, always keep your card’s international usage settings in check before traveling and consider enabling alerts for transactions, so you’re immediately notified of any charges.
Hopefully, you won’t need it, but if you do, just make sure to report it quickly to avoid any issues.