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A Complete Guide to Resolving Credit Card Disputes with IndusInd Bank

Managing credit card disputes can be stressful, especially if you are unsure about the process or the documentation required. IndusInd Bank simplifies this with its Credit Card Dispute Form, providing a clear framework to resolve disputes effectively. In this guide, we’ll walk you through the IndusInd Bank credit card dispute resolution process, including the types of disputes covered, documentation requirements, and tips to ensure quick resolution.

What Is the Credit Card Dispute Form?

The IndusInd Bank Credit Card Dispute Form is a document that helps customers officially raise concerns about unauthorized or incorrect transactions. It outlines multiple dispute scenarios, from fraudulent activities to service non-delivery, and provides a systematic process for resolution.

Common Types of Credit Card Disputes Covered

1. Unauthorized Transactions

• Transactions made without your consent.
• Situations where the card was lost, stolen, or not received.

Example: "I noticed a transaction of INR 5,000 at XYZ Store, which I did not authorize."

2. Duplicate Transactions

• Cases where the merchant charges you multiple times for the same transaction.

Example: "I authorized a transaction only once, but my account shows the merchant billed me twice."

3. ATM Cash Withdrawal Issues

• Situations where the ATM did not dispense the full amount requested.

Example: "I attempted to withdraw INR 10,000 but received only INR 6,000."

4. Defective Products or Incorrect Services

• Goods received are defective or not as described.

Example: "The mobile phone I purchased was damaged on delivery."

5. Non-Receipt of Goods/Services

• When you’ve paid but haven’t received the promised goods or services.

Example: "I ordered a smartwatch on DD/MM/YYYY but haven’t received it yet."

6. Incorrect Charges

• Differences in the amount charged versus the agreed price.

Example: "I was billed INR 3,000 instead of INR 2,500."

7. Refunds Not Processed

• Refunds promised by merchants but not credited to your account.

Example: "I canceled my hotel booking, but the refund hasn’t been processed even after 15 days."

8. Payment Made by Other Means

• Situations where you paid via cash, cheque, or another card, but the transaction is still charged to your credit card.

Example: "I paid in cash, but my card was also charged for the same transaction."

Steps to Fill and Submit the Credit Card Dispute Form

Step 1: Download the Form

Access the IndusInd Bank Credit Card Dispute Form here.

Step 2: Fill Out Personal Details

Provide details like your:

• Credit Card Number
• Name as on the Card

Step 3: List the Disputed Transactions

Include the following details:

• Merchant Name
• Transaction Date
• Amount Charged
• Disputed Amount

Step 4: Select the Reason for Dispute

Tick the relevant box that corresponds to your dispute, such as:

• Unauthorized Transaction
• Duplicate Transaction
• ATM Dispute

Step 5: Attach Supporting Documents

Include proof specific to your case, such as:

• Receipts or invoices
• Correspondence with the merchant
• Refund acknowledgments

Step 6: Sign and Date the Form

Sign the declaration and acknowledge the terms outlined by IndusInd Bank.

Step 7: Submit the Form

Send the completed form to:
IndusInd Bank Ltd.
Customer Care-Credit Cards,
P.O. Box No. 9421, Chakala MIDC, Andheri (East), Mumbai – 400093

Alternatively, email the form to premium.care@indusind.com.

Important Notes and Conditions

1. Timely Submission: Submit the form within 15 days of the statement date to ensure a valid dispute.
2. Processing Time: Resolution typically takes 45–60 days, subject to verification by the Member Bank.
3. Fees: A retrieval fee of INR 300 + GST applies if the dispute is found invalid.
4. Additional Feedback: The bank may request additional feedback to progress the case further.

Tips for a Quick Resolution

1. Review Your Statements Regularly: Detect and report disputes as soon as possible.
2. Provide Complete Information: Ensure all fields in the dispute form are filled correctly.
3. Attach Clear Proof: Include relevant and legible documents to substantiate your claim.
4. Follow Up: Track your complaint status using the reference number provided by the bank.

Frequently Asked Questions

1. What Should I Do If My Card Is Lost or Stolen?

Immediately call 1860 267 7777/022-42207777 to block your card and request a replacement.

2. How Can I Avoid Unauthorized Transactions?

Enable two-factor authentication and monitor your transactions frequently.

3. Can I Dispute a Transaction Without Supporting Documents?

While it’s possible, providing documents significantly increases the chances of resolution.

4. Is There a Deadline for Raising a Dispute?

Yes, disputes must be raised within 15 days of the transaction appearing on your statement.