What if a cardholder receives an authorization code but did not initiate a transaction?

When making online purchases, cardholders may be required to authenticate their payment by entering a one-time passcode (OTP) sent to their registered mobile number.

If the cardholder did not initiate the transaction, they should take the following steps:

1. Immediately cancel the card to prevent further unauthorized transaction attempts. They can do this via the card management portal or app.
2. Verify with family or other authorized users whether someone else has mistakenly used their card.
3. Check their transaction history for any suspicious or unauthorized charges. If they find any, they should submit a dispute to report the fraudulent transactions.
4. Request a new card through the app or support portal to continue shopping securely.