Misused Rs 76,777 Credit Card But Delhi HC Forces Bank to Pay Victim Rs 1 Lakh

Mitali | Last updated: 11 December 2025

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A Delhi advocate, Sarwar Raza, had his credit card disabled due to fraudulent activity, leading to unauthorised transactions totalling Rs 76,777. Despite his complaints to the bank and the RBI Ombudsman, his cases were rejected on technicalities. Ultimately, the Delhi High Court ruled in his favour, ordering the bank to pay him Rs 1 lakh and directing the RBI to improve its dispute resolution process.

Mr. Sarwar Raza, a credit card holder and practicing advocate in Delhi was issued a credit card by Citibank in January 2022. But due to multiple wrong login attempts in April 2022, the credit card was disabled. Next day the bank issued a new card but without Raza's request or activation. The credit

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About the Author

Mitali

Finance Professional

I write about Income Tax, GST, TDS, RBI updates, government schemes, and personal finance in India. My focus is on simplifying complex tax and compliance topics into easy-to-understand guides that help readers stay updated with the latest financial rules, investment options, and regulatory changes.

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