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).