Credit Card Transaction Disputes

Any transaction dispute should be referred to SBI Card via appropriate channels (as mentioned below) within the below timelines from the date of transaction, along with the Transaction Dispute Form (TDF) and supporting documents (as mentioned in the TDF).

Dispute Timelines

• Visa/Mastercard/American Express Domestic and International Transaction -  90 days
• Rupay International Transaction – 90 days
• Rupay Domestic Transaction – 30 days
• Rupay UPI Transaction - 75 days

You may report a transaction dispute through any of the below mentioned channels:

• SBI Card Website :- To raise Dispute against a transaction, clickhttps://sbicard.com/DisputeRaise
• SBI Card Mobile App:- Log in to the SBI Card Mobile App,

  Navigate to Services >Dispute a transaction > Select transaction you wish to Dispute > Select the requisite nature of the Dispute > Submit the Dispute request.

  To download the SBI Card Mobile App click:http://sbicard.com/mobile-app

The TDF is available under Forms central section on the SBI Card website.

In case, the TDF and supporting documents are not received within the timelines as mentioned in the TDF (Important Notes section) , we would be unable to raise the dispute with the acquiring bank and the liability of the transaction would lie with you.

Further you may also report the transaction dispute through our others channels via the link below.

Please click:-https://www.sbicard.com/en/contact-us/personal.page

As per the network guidelines, in case of a dispute, the cardholder is required to provide a duly filled in Transaction Dispute Form (TDF) mentioning the details of the disputed transaction to enable / authorize the bank to investigate with the respective merchant / member bank, as appropriate.

Yes. Certain disputes like-cancellation, paid by other means, refund promised by the merchant, merchandise returned etc., require documented proof which vary on a case to case basis. The requisite documents are mentioned in the TDF, against each type of dispute. The Cardholders are required to retain the relevant documents.

When you dispute a transaction, a temporary credit to the extent of the amount disputed may be posted on your card account while the investigation is underway. This depends on the nature of dispute and is subject to company policy. The temporary credit will nullify the effect of the disputed transaction on the total outstanding. This is done to ensure that you are not adversely impacted during the period of investigation. However, the ‘Open to Buy Limit (Credit Limit)’ for the disputed transaction amount will remain blocked till the investigation is complete. Additionally, while the investigation is underway, finance charges, late payment fees, minimum finance charges, overlimit fees, cash ATM fees, and rent processing fees associated with the disputed transaction may be credited on your card account, subject to company policy.

Once the investigation is complete, following can be the outcomes of the same:

• Dispute Closed in Favor of Cardholder. The temporary credit provided earlier will be debited and a Permanent Credit will be posted toward the disputed transaction amount. The Open to Buy Limit (Credit Limit) for the disputed transaction amount will be available for usage. Reward Points accrued, if any, or petrol surcharge waivers / IRCTC surcharge waivers given towards the disputed transaction will be debited.
• Dispute Closed as Cardholder’s Liability. The temporary credit provided earlier towards the disputed transaction, Finance Charges, Late Payment Fee, Minimum Finance Charges, Overlimit Fee, Cash ATM Fee and Rent Processing Fee associated with the disputed transaction on your card account will be debited. Additionally, Finance Charges will be levied for the period during which temporary credit was issued to the card account. Charges may be debited basis internal practices and policies.

We will ensure an end-to-end resolution is given on the dispute. Still, the cardholder may contact the merchant directly as well.

A written acknowledgement will be sent confirming the dispute is taken up with the merchant. If any further documentation is required from your end to address the claim, you will be duly informed.

Most disputes are resolved within 60–90 days from the date of receipt of TDF along with complete supporting documents, although complex cases may require additional time.

We will send a written communication/SMS advising you about the outcome of your dispute.

A merchant’s billing name may vary from the store / brand name & reflect the registered business name or payment processing entity.Click hereto see the list of a few common merchants and their billing names.