Credit Card's Worst Nightmare Comes True for a Few ICICI Bank Customers - Fraudulent Transactions

[TechnoFinoTechnoFino is verified member.]

Hello TFCians,

Some of our members have reported being affected by international fraudulent transactions on their ICICI Bank credit cards, even though their international transaction setting was disabled.

Here is the original thread by @ssnthegenius

Thread 'International transaction successful despite being international transaction being off'

Yesterday at 12:09 PM

Hi I received this debit message on my credit card. International transactions are turned off. What to do now? @TechnoFino @RAMESH BABU N @Abhishek012

USD 198.80 spent using ICICI Bank Card XX1006 on 23-Sep-25 on Worldeal INC. Avl Limit: INR 61,048.66. If not you, call 1800 2662/SMS BLOCK 1006 to 9215676766.

• ssnthegenius
• international international transaction transaction
• Replies: 23
• Forum: Banking Fraud

Shocking, right? Same here. ICICI Bank is often considered one of India’s most advanced banks in terms of IT infrastructure. But what happened on the night of 23rd September 2025 raises some very serious questions:

1. How did fraudsters get customers’ credit card details? Could this be a case of a data leak?
2. How can an international transaction go through when the card’s international usage was disabled? Isn’t this a major IT failure? The RBI should step in immediately to investigate.
3. To make matters worse, some customers are reporting poor customer support - one member even had to wait 45 minutes just to raise a dispute!

What Should You Do if This Happens?​

As we always focus on solutions, here are some immediate steps you should follow:

1. Block your card immediately via the iMobile app or by calling ICICI Bank customer care.
2. Call customer care and raise a dispute, asking them to mark the transaction as fraudulent.
3. If required by the bank, file a police complaint.

RBI Guidelines – Your Liability​

As per RBI guidelines, if you report a fraud within 3 working days, you are not liable for the loss. In this case, since multiple customers are reporting that international transactions went through despite being disabled, this clearly points to an ICICI Bank system failure.

Here are some screenshots related to the case:

Final Advice​

If you are an ICICI Bank credit cardholder:

• Double-check your international transaction setting.
• If you don’t use your card abroad, keep international usage disabled.
• If you frequently transact internationally, it might be safer to replace your card.

What do you think, TFians? Is this just a one-off glitch or a deeper issue with ICICI’s IT infrastructure? Should RBI take stricter action here?

 

[HumorSimpson]

And they expect 50K min balance for savings accounts

 

[kuchbhikuchbhi is verified member.]

ICICI is becoming worse day by day 📉

 

[InfamousInfamous is verified member.]

Curious to know how such things happened at once at this scale.

 

[pranjal1984]

Frightening. Data leaks is one of the old sore wounds of ICICI .

 

[aayusharyan]

Hello TFCians,

Some of our members have reported being affected by international fraudulent transactions on their ICICI Bank credit cards, even though their international transaction setting was disabled.

Here is the original thread by @ssnthegenius

Thread 'International transaction successful despite being international transaction being off'

Yesterday at 12:09 PM

Hi I received this debit message on my credit card. International transactions are turned off. What to do now? @TechnoFino @RAMESH BABU N @Abhishek012

USD 198.80 spent using ICICI Bank Card XX1006 on 23-Sep-25 on Worldeal INC. Avl Limit: INR 61,048.66. If not you, call 1800 2662/SMS BLOCK 1006 to 9215676766.

• ssnthegenius
• international international transaction transaction
• Replies: 23
• Forum: Banking Fraud

Shocking, right? Same here. ICICI Bank is often considered one of India’s most advanced banks in terms of IT infrastructure. But what happened on the night of 23rd September 2025 raises some very serious questions:

1. How did fraudsters get customers’ credit card details? Could this be a case of a data leak?
2. How can an international transaction go through when the card’s international usage was disabled? Isn’t this a major IT failure? The RBI should step in immediately to investigate.
3. To make matters worse, some customers are reporting poor customer support - one member even had to wait 45 minutes just to raise a dispute!

What Should You Do if This Happens?​

As we always focus on solutions, here are some immediate steps you should follow:

1. Block your card immediately via the iMobile app or by calling ICICI Bank customer care.
2. Call customer care and raise a dispute, asking them to mark the transaction as fraudulent.
3. If required by the bank, file a police complaint.

RBI Guidelines – Your Liability​

As per RBI guidelines, if you report a fraud within 3 working days, you are not liable for the loss. In this case, since multiple customers are reporting that international transactions went through despite being disabled, this clearly points to an ICICI Bank system failure.

Here are some screenshots related to the case:

View attachment 110809

View attachment 110810 View attachment 110811

Final Advice​

If you are an ICICI Bank credit cardholder:

• Double-check your international transaction setting.
• If you don’t use your card abroad, keep international usage disabled.
• If you frequently transact internationally, it might be safer to replace your card.

What do you think, TFians? Is this just a one-off glitch or a deeper issue with ICICI’s IT infrastructure? Should RBI take stricter action here?

Setting txn limits to 1K for my non primary cards now....

 

[bsc]

And here I was worrying about the ishop portal not working for the last 3-4 days.. Good it is not working else icici would not be able to control misuse on their junk portal. I would agree 100% on the wait time .. for reporting the ishop portal not working I spend 15-20 mins on calls and and their dumb IVR just hangs.

 

[pranjal1984]

Setting txn limits to 1K for my non primary cards now....

How are you setting 1k limit? iMobile does not allow me to modify below 10% of total limit .

 

[pranjal1984]

And here I was worrying about the ishop portal not working for the last 3-4 days.. Good it is not working else icici would not be able to control misuse on their junk portal. I would agree 100% on the wait time .. for reporting the ishop portal not working I spend 15-20 mins on calls and and their dumb IVR just hangs.

I am now happy to use DCB instead of aspiring for EPM.

 

[HumorSimpson]

How are you setting 1k limit? iMobile does not allow me to modify below 10% of total limit .

yeah. another quirk of icici , it goes by percentages . BTW min is 1%

 

[aayusharyan]

How are you setting 1k limit? iMobile does not allow me to modify below 10% of total limit .

No no no, not Credit Limit, I mean transaction limit.

 

[pranjal1984]

No no no, not Credit Limit, I mean transaction limit.

Got it in card controls option.