My card was stolen
Diagnostic Quick Question
Was it a Credit Card or Debit Card?
Debit cards draw directly from your checking account while credit cards use a credit line.
DO THIS NOW
Freeze / Lock your card instantly via mobile app
Open your bank mobile app, go to Card Controls or Security, and toggle "Lock Card" or "Freeze Card".
Call your bank official emergency card-loss helpline
Call your bank 24/7 hotline to permanently block the card and issue a replacement.
Check recent transaction history for unrecognized charges
Review pending transactions in online banking or SMS notifications made in the last 2 hours.
Remove card from Apple Pay, Google Wallet, PayPal
Log into your digital wallet accounts and unbind the stolen card credentials.
EMERGENCY KIT
Everything you need to execute recommended actions for My card was stolen
Bank Account Number / Card Last 4 Digits Reference
REQUIREDAccount statement, banking app screenshot, or passbook showing account identifier.
Government Photo ID
REQUIREDAadhaar, Passport, Driver License, or Voter Card.
Documents, Deadlines & Aftermath Protection
Review required document replacements, official claim deadlines, and follow-up guidance.
Unauthorized Transaction Dispute Form
REQUIREDOfficial chargeback/dispute claim for transactions made after theft.
Official national portal and 1930 helpline to report financial cyber fraud, online scams, and digital identity crimes.
DO NOT DO THIS
- ✕Don't call phone numbers provided in unexpected SMS messages claiming your card was blocked; only use numbers on official bank websites or app.
- ✕Don't give your 4-digit card PIN or OTP over the phone to anyone, even if they claim to be from your bank's fraud team.
- ✕Don't wait to see if the card turns up before locking it—you can always unlock a temporary lock in the app if found.
RECOVERY TIMELINE
File a formal charge dispute for any fraudulent transactions
Provide the bank with transaction dates, amounts, and merchant names for any unauthorized charges.
Note recurring subscriptions linked to the stolen card
Identify auto-debits (Netflix, utilities, gym) so your services do not bounce when the old card is cancelled.
YOU MAY NEED
OFFICIAL ACTIONS & VERIFIED SOURCES
Government & Authority Portals for India
Indexed Authority Portals
Official national portal and 1930 helpline to report financial cyber fraud, online scams, and digital identity crimes.
Official banking ombudsman portal for card fraud, unauthorized transaction disputes, and banking grievances.
Specific Step Actions & Direct Links
Emergency card replacement and cash disbursement for Visa cardholders worldwide.
24/7 assistance hotline for lost or stolen Mastercard credit & debit cards.
DON'T FORGET
- Transit Cards & Contactless Wallet passes: Block connected subway / bus transit passes linked to the lost physical card.
COMMON MISTAKES
- ⚠️ Assuming contactless payments cannot be made without a PIN (small amounts can be swiped without PIN).
- ⚠️ Waiting until the next morning to report a stolen card.