Credit Card Fraud in the UAE: What to Do If You Notice an Unauthorised Transaction

Noticing an unfamiliar transaction on your credit card statement can be worrying. It could be an online purchase you did not make, an unknown subscription, or a payment you never authorised.

Credit card fraud in the UAE can occur through phishing messages, stolen card details, fake payment pages or compromised online accounts. Knowing how to respond quickly can help you limit further unauthorised activity and protect your account.

Here is what to do if you suspect credit card fraud.

What Are the Common Types of Credit Card Fraud?

Understanding common fraud methods can help you identify suspicious activity before it escalates

1. Unauthorised Online Transactions

Fraudsters may use stolen card numbers, expiry dates, and security codes to make purchases without your permission.

2. Phishing Messages

You may receive an SMS, email or WhatsApp message pretending to be from your bank, a delivery company or a government service. These messages often contain links to fake websites designed to collect your banking details.

3. OTP Scams

Scammers may pose as bank representatives and ask you to share a one-time password (OTP). Never share your OTP, PIN or banking password with anyone who contacts you unexpectedly.

4. Compromised Online Accounts

If an online shopping account or merchant platform is compromised, stored payment information may be exposed. Regularly reviewing your credit card transactions can help you identify suspicious payments.

What Should You Do If You Notice Credit Card Fraud?

Step 1: Block Your Credit Card

Use your bank's official mobile app to lock your card, if this feature is available. Alternatively, contact your bank through its official customer service number.

Ask whether the card needs to be permanently blocked and replaced.

Step 2: Report the Unauthorised Transaction

Contact your bank immediately and explain that you do not recognise or authorise the transaction.

Provide the transaction date, amount and merchant details. Ask how to submit a formal dispute and keep the complaint reference number for future communication.

Remember that reporting fraud does not automatically guarantee a refund. Your bank will investigate the circumstances and explain the applicable process.

Step 3: Secure Your Banking Accounts

If you suspect your login details have been compromised, change your passwords through official channels. Review your recent account activity and enable transaction alerts where available.

If you have reused the same password on other websites, change it there as well.

Step 4: Keep Evidence of the Fraud

Save screenshots of suspicious transactions, emails, text messages and other relevant communications. Keep a record of when you reported the incident and any reference numbers provided by your bank.

This information may help support your dispute.

Step 5: Follow Up on Your Complaint

Complete the bank's dispute process and provide any documents requested. Ask about the expected investigation timeline and whether further action is required.

If your complaint remains unresolved, ask the bank about its escalation procedure and the appropriate official consumer complaint channel in the UAE.

Can You Dispute an Unauthorised Credit Card Transaction in the UAE?

Yes. If you believe a transaction is unauthorised or incorrect, you can report it to your card issuer and request an investigation.

The evidence required depends on the situation. For an unauthorised payment, explain that you did not approve the transaction. For a purchase-related dispute, retain receipts, order confirmations and communication with the merchant.

Report the issue as soon as possible because your bank may have specific reporting deadlines.

How Can You Protect Your Credit Card From Fraud?

Follow these precautions to reduce the risk of unauthorised transactions:

• Keep your banking details private: Never share your PIN, password or OTP.
• Avoid suspicious links: Access your bank through its official app or website.
• Enable transaction alerts: Receive notifications to identify unfamiliar payments quickly.
• Review your statements: Look for unknown merchants, duplicate charges and unusual transactions.
• Use trusted payment websites: Verify the website address before entering card details.
• Secure your devices: Use screen locks, update your software and avoid suspicious applications.
• Monitor your account regularly: Early detection can help you report suspicious activity sooner.

It is also worth understanding your card's fees and terms. Read about common mistakes to avoid when choosing a credit card in the UAE before selecting your next card.

What Happens After You Report Credit Card Fraud?

Your bank may block your existing card, issue a replacement, investigate the transaction and request additional information. The outcome and investigation timeline depend on the circumstances and applicable procedures.

Continue monitoring your account while the investigation is ongoing. Report any additional suspicious transactions immediately.

For more information on responsible card use, explore this guide to building a strong credit history in the UAE.

Compare Credit Cards With Test My Card

Choosing a credit card involves more than cashback, rewards or lifestyle benefits. Security features, transaction controls and customer support are also worth considering.

With Test My Card, you can explore UAE credit card options and compare available features based on your profile and requirements.

Compare credit cards at TestMyCard.ae and make a more informed choice.