Credit card / reward point fraud

2 moderator-approved reports in this category. Every identifier below was reported by a victim and reviewed before publication.

How to protect yourself

  • Never share OTPs, CVV, UPI PIN or screen access with anyone - no bank or agency ever asks for them.
  • Verify the identifier on Garuda before you pay, click a link, or install an app.
  • Pay only through official, verifiable channels; avoid direct UPI transfers to unknown IDs.
  • If you have lost money, report immediately on the National Cyber Crime Reporting Portal (cybercrime.gov.in) or call 1930.

Reported cases

Credit card / reward point fraudFake app / APK fraudFake bank / cloned website+1 more4 days ago

RBL Bank Impersonator Tried to Scam me I had ordered RBL credit card few days back I don't know how the information got leaked (I believe it's an inside network bank officials are also involved). But one day out of nowhere I got a call from this number +918709285088. He claimed that my international transactions were switched on where is I specifically remember that I had actually kept that feature turned off so from that moment only I knew that this call was something fishy. Actually the credit card which I had ordered was supposed to be lifetime free but on the call this guy said that if the international transaction is switched on the lifetime free validity is not valid and I would be charged some particular amount. I showed him that yes I trust him and I am concerned and went along and played with him finally he took me to the website: https://rbluser.com/ said to me to login myself and download an app. I still went along and played with him and when I pressed the login button, a literal app was being downloaded but it was being downloaded from github.com. Since my domain is computer science I knew very well how this thing was a temporary scam as they didn't even bother to upload the app at a good place! THEN later on I said OK I will do the rest of the procedure after sometime. After a while when I was alone and no one was near me I called that guy and abused him left and right I called him 7 to 8 times again and abused him from different numbers until he blocked all of my numbers. I called him from each of friends phone whenever I was feeling bored😂 This is a message to all you guys to be aware of such scams and in case any of you want to abuse, feel depressed and hate scammers from the depth of your heart, then here is the number +918709285088 go ahead and abuse this guy to the fullest as he is not even sorry yet.

Credit card / reward point fraudabout 1 month ago

So today I activated my Axis Bank MyZone CC, and right after activating, I got a call from a girl. She told me she is from Axis Bank and my credit limit is increased. (For your information, I got this card as an exchange from my Airtel Axis card). After that, I asked her to process it, and she asked me to search "update.user" in Chrome, which I did. It redirected to an Axis website which was the same as the official Axis website, but it was the first red flag which I identified. I told her that I think it's fake and asked for her employee ID, which is the 1st photo she sent. After that, I used Claude and Google while we were on the call and sent her a screenshot (which is the 2nd pic) proving that this website is not related to Axis Bank. I also asked her some more questions like her office address, etc. Right after that, I got a message directly from Axis Bank, which is the 3rd pic. I thought it was real because it was an official message from Axis Bank, so I trusted her. She then asked me to download an APK from Chrome, which I agreed to only after she convinced me that she will not ask for an OTP, and without an OTP, I can't do any transactions anyway. After downloading the APK, she asked me to fill in the details and told me it's just a general procedure and nothing more. I filled out the form from the APK, giving all my credit card details. (I know it is a big mistake, but she knew my credit limit and the Axis message from the 3rd pic completely convinced me). Then a code generated, which is the 4th pic. After that, she asked me to login to the normal Axis Bank app and told me to enable all the transactions. They were actually already enabled, but I quickly disabled all of them and told her they are enabled. After that, she told me to open the Chrome app (which was the fake Axis card app) and asked me to read the coupon on that, or something like that. Suddenly, I got a message for a Rs 25,802 OTP transaction on Swiggy, which is the 5th pic. When I saw that, I quickly deleted that APK and I am planning to factory reset my phone. After that, I asked her to share her current location on WhatsApp, which she said she will do later. But she hung up after that and didn't pick the call back. The 6th pic is her WhatsApp number. (Note: The screenshots I deleted are the 2nd and 4th pics).

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