Chargeback on Indian Credit Cards?

Yes. I’ve done once with Axis. MobiKwik charged me four times for a single transaction. 3 were supposed to be refunded by Mobikwik but they didn’t. Axis refunded one instance. However, I still lost money worth two instances to Mobikwik.
With AMEX you won’t have this issue.
With Regalia, i guess your RM’s clout might have some impact.

I have done with citibank n sbi.
Good exp overall. talk to cc first.
Download & print form. Fill n sign and send pic of form(any other docs or screenshot) to email cc gave.
No need to visit branch.

I will confirm this from HDFC again, I guess sending form over e-mail would be possible. Will post here if I get any updates

@achaudhary997, download chargeback form, print it out, fill it by hand and sign it using a blue ink pen. Take a photo using your mobile and send that photo to the support email ID. You're done. I had a Euro 400 (!!!) unauthorised transaction on Citibank and this what they made me do. Got the refund in about a week. I am also an HDFC card holder but it's better to follow their process here Call up their CC (may be tough due to the curfew) for clarifications.

The right term is raising a dispute. You raise a dispute for a transaction on your card, and not every dispute turns into a chargeback.

I've raised many disputes over phone itself with Citibank. And yes, AMEX literally shields its customers and that is why a lot of merchants don't accept AMEX cards for payments. It's mostly VISA, Master and Discover. My friend has raised a dispute on his HDFC card over phone itself. I think you should be able to do it over phone as well, and as you're a Regalia card holder, it makes it more likely.

Thanks wanted to get an idea about how it works. Since it's not a major amount (about 30 euros) I can wait. Had a chat with their customer care also they told me to mail it to them and wait a few days cause of the current situation

Damn, you also have an unauthorized charge on your HDFC card, that too from Europe? Why does it keep happening with HDFC cards. Lol

Just thought of commenting here. I successfully chargebacked around Rs 28000 on my SBI VISA 'debit' card. The fraudulent transaction was on an international website and must have gone through without any OTP. I informed by branch after lodging a GD with the local PS. It took around 45 days to refund the amount and the amount was credited back to me from the website (Agoda.com) and not SBI. If it would have been a credit card, SBI would have lifted the credit limit blocked by that transaction on my behalf and would only get the money after Agoda refunded it. So, it makes it a lot easier for customers with a CC as they don't have to wait for the dispute to be settled. Banks need to play by VISA rules and VISA basically doesn't differentiate b/w cc/dc. But remember, you need to report the fraudulent transaction to the bank by 3 days as per RBI guidelines. I don't quite understand this part but I guess RBI rules should override VISA rules and VISA allows a more generous time window. But I would definitely suggest to report it within 3 days, just to be on the safer side.

I do have a 2D international gateway that doesn't require OTPs, but I'm not sure if processing a charge on an Indian debit card is so easy. Glad you got the money back.

As I said Banks have to abide by VISA/ Mastercard rules. They allow chargeback. If the transaction is processed without an OTP/ PIN, you are safe. I keep international transactions off at all times and enable it when absolutely necessary. RBI guidelines say that the liability lies on the bank for all fraudulent transactions up to Rs 50,000 (even for net banking, cheque, etc.) if the fraud was committed by a 3rd party and the customer was not a part of it. (You didn't share an OTP/ PIN) I did a hell of research (I was quite tensed) in those uncertain 45 days. LOL. I am a student and that money was almost half my annual scholarship amount.