In a reported Delhi consumer-commission decision, SBI Cards was held liable over two disputed credit-card transactions after the cardholder said he reported them the same day. LiveLaw reports that the Commission ordered a ₹15,000 refund with interest and ₹10,000 compensation. The account below is based on LiveLaw’s report, not an independently reviewed copy of the Commission’s order.
What happened in the SBI Cards dispute
LiveLaw reported on 6 October 2026 that Rakesh Kumar, an SBI credit-card holder, complained about two unauthorised charges made on 23 May 2024. The report says he saw an advertisement offering a deal on butter through an app for the “Big Bazaar” platform. During the purchase process, charges of ₹10,000 and ₹5,000 were applied to his card.
According to the report, Kumar notified SBI Cards the same day and asked it to block the card. He filed a cyber-crime complaint on 28 May 2024 and completed the chargeback formalities. He later alleged that SBI Cards had not adequately investigated or resolved the disputed charges despite repeated requests. These are facts as LiveLaw reported them; the underlying transaction records were not independently reviewed.
How the Commission reportedly assessed the complaint
The case was Rakesh Kumar v. SBI Cards & Payment Services Pvt. Ltd., Consumer Complaint No. DC/80/CC/370/2024, before the District Consumer Disputes Redressal Commission-I (North District), Delhi. LiveLaw says SBI Cards did not file its written version within the period specified under Section 38(2)(a) of the Consumer Protection Act, 2019. A later reply, filed beyond the statutory 45-day limit, was reportedly not taken on record.
#1 Best Overall
- Special Design: Multi-color optional and wear-proof classic business card holder looking.
- Plenty of Space: 16 card slots only measuring 4.1" x 3.0" x 1.1", including 13 credit card slots, 2 cash slots
- Protect Information Leakage: Prevents your vital information/cards from unnoticed scan with 2 outer layers RFID blocking materials.
- Extra Key Chain & Portable: Extra corns with key chain for your keys or lanyard. Portable use for shopping, traveling, etc.
- Great Gift: Practical compact wallet is the perfect gift. Give a thoughtful surprise to Men/Women on birthdays, holidays, celebrations, or any special occasion (e.g. Valentine's Day, Christmas, etc.).
LiveLaw says the Commission considered Kumar’s same-day notification, his request to block the card, and his completion of reporting formalities. The report also describes the Commission as applying the RBI circular dated 6 July 2017, “Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions.” As LiveLaw recounts the reasoning, where a transaction is attributed to customer negligence, the bank bears the burden of establishing that negligence. The Commission reportedly noted that Kumar had not affirmatively shared his OTP or payment credentials with a third party.
The report says the Commission also referred to Suresh Chandra Singh Negi v. Bank of Baroda and Hare Ram Singh v. Reserve Bank of India. The circular and cited decisions have not been independently reviewed here, so this account should not be treated as a separate summary of their rules or as a statement of current RBI guidance.
Rank #2
- This Credit Card Holder is made of aluminum shells, ABS plastic frame and clasp closure, RFID-blocking will protect your card data from RFID scanners and readers.
- The Size is 4.33 x 2.95 x 0.73 inches, Slim and small exterior design, are fit in your front pocket,suitable for travel and business carrying.
- Latches Safely and Securely when not in use. Rounded corner wouldn't damage on your clothes. With 7 accordion Slots, Capacity for up to more than 9 credit cards or more than 21 business cards.
- There are various patterns to choose from on the aluminum shell, including flowers, animals, and landscapes, to match your versatile style.
- This is an ideal gift that can express your thoughtfulness and kindness. Suitable for any day you want to express love on, such as Valentine's Day, birthdays, Mother's Day, etc.
What SBI Cards was reportedly found to have failed to do
In its account of the Commission’s reasoning, LiveLaw says the disputed amount was not provisionally credited within 10 working days, as described in paragraph 9 of the 2017 RBI circular. It also says the Commission found that the complaint had not been resolved and liability determined within the maximum 90-day period described in paragraph 10. Those timeframes are reported as part of this Commission’s analysis; the source material does not independently establish the circular’s present application.
The Commission reportedly found deficiency in service under Section 2(11) of the Consumer Protection Act, 2019. The decision, as reported, turned on the facts presented in this complaint, including the timing of Kumar’s notification and the issuer’s handling of the dispute.
The Tool Desk
Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →Rank #3
- [Ultra Slim] measuring only 3.15" x 4.6" x 0.25" and just 0.4" thickness after filling 8 cards.
- [Information Protecting] Enhances personal information security by RFID Blocking, prevent vital cards detail from unnoticed scan.
- [Portable] Super minimalist wallet for carry in front or back pocket; Disassembly D-shackle for lanyard or key-ring.
- [Cards Getting Out Easily] 6x card slots, 1x money pocket, 1x ID / Drivers license window with finger groove for push cards out easily.
- [FurArt Service] Please contact us promptly if quality issue or delivery damaged.
Refund, interest and compensation ordered
LiveLaw reports that SBI Cards was directed to refund ₹15,000, representing the two disputed charges, with 7% annual interest from the respective transaction dates, and to pay ₹10,000 compensation for harassment and mental agony. The report says payment was due within four weeks of receipt of the order. If it was not paid within that period, 9% annual interest would apply to the entire awarded amount from the end of the four-week period.
The order date, the primary order text, and any subsequent appeal or compliance status are not established by the report. The remedy and deadline above are therefore attributed to LiveLaw’s account.
Rank #4
- Multi-slots Bee Wallet Meet all Your Needs: The wallet is made of premium genuine leather, super soft, and brings a surprising touch feeling. The cute bee decoration must be a reason for you to choose it, which makes you more attractive and shows your fashion.
- Perfect Size to Organize Almost Everything: 4.3 x 2.8 x 1 inch. The small card wallet fits in your hand, pocket, or purse. There are 12-card slots for at least 12 cards, 2 wide slots for bills, folded cash, receipts, and a tiny zipper pocket for coins.
- RFID Blocking and Special Design for You: Equipped with advanced proprietary blocking technology, the cardholder aims to protect your personal information on the cards from unauthorized scanning. And the simple style with classic color fits any occasion and easily matches your outfit.
- Heart-selected Gift with Exquisite Packing Box: We designed it carefully for you, and you selected it carefully for your friends or family. This credit card wallet is an ideal gift on Thanksgiving Day, New Year's, Birthday, and Christmas.
- Happy Shopping Service: imeetu is striving to offer high-quality products and a range of professional and efficient after-sales service to our broad customers. imeetu, you meet better!
What cardholders can take from this reported case
The decision is a single district-commission ruling, not a guarantee that every unauthorised-transaction complaint will have the same outcome. Its reported reasoning does, however, show which details mattered in this dispute:
- Report promptly: Kumar’s same-day notification was among the facts the Commission reportedly considered.
- Request that the card be blocked: The report identifies his request to block it as part of the Commission’s assessment.
- Keep a record of follow-up: The report says he filed a cyber-crime complaint, completed chargeback formalities, and made repeated requests for resolution.
- Track the issuer’s response: The Commission reportedly considered the absence of provisional credit and the time taken to resolve the dispute under the periods cited from the RBI circular.
- Do not assume negligence without evidence: As LiveLaw describes the Commission’s use of the circular, the bank had the burden of establishing customer negligence where it attributed a transaction to such negligence.
For a cardholder facing a similar problem, the case is useful as an example of how a commission may assess prompt reporting and the issuer’s handling of a dispute. It does not, by itself, determine the outcome of another complaint.
What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
Quick Recap
Best Value
- This Credit Card Holder is made of aluminum shells, ABS plastic frame and clasp closure, RFID-blocking will protect your card data from RFID scanners and readers.
- The Size is 4.33 x 2.95 x 0.73 inches, Slim and small exterior design, are fit in your front pocket,suitable for travel and business carrying.
- Latches Safely and Securely when not in use. Rounded corner wouldn't damage on your clothes. With 7 accordion Slots, Capacity for up to more than 9 credit cards or more than 21 business cards.
- There are various patterns to choose from on the aluminum shell, including flowers, animals, and landscapes, to match your versatile style.
- This is an ideal gift that can express your thoughtfulness and kindness. Suitable for any day you want to express love on, such as Valentine's Day, birthdays, Mother's Day, etc.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
