SRINAGAR: As India’s financial ecosystem undergoes a major digital transformation, consumers are increasingly relying on credit cards, UPI, and digital wallets for daily transactions. From shopping for jewellery and electronics to booking travel or lifestyle upgrades, customers are now choosing instant and contactless payment options for convenience and rewards.
E-commerce continues to dominate the digital spending landscape, contributing 66.4 percent of total credit card spends in September 2025, according to ET BFSI. With this growing preference for online transactions comes the need for heightened awareness about fraud prevention and secure payment practices.
Marking International Fraud Awareness Week, SBI Card, India’s largest pure-play credit card issuer, has urged customers to remain vigilant while making digital payments and to follow essential safety practices to ensure a secure shopping experience.
The company has advised customers to shop only on trusted websites and official brand platforms, and to avoid random links shared via social media or messaging apps that may lead to fraudulent sites. It also cautioned users against screen sharing or downloading third-party apps that could compromise sensitive data.
SBI Card further highlighted the importance of verifying offers and rewards before redeeming points or sharing personal details. Customers are advised to enable real-time transaction alerts to monitor spends, stay alert to phishing calls or messages, and avoid sharing confidential details such as OTP, CVV, or passwords with anyone.
To enhance protection, users should keep their devices and applications updated, enable multi-factor authentication, and use strong, unique passwords distinct from their email or social media accounts. Customers must also verify any unverified transactions or refunds directly through official channels before taking action.
As digital payments continue to evolve, SBI Card emphasised the importance of combining convenience with caution. By adopting safe online behaviour and staying alert to potential scams, customers can enjoy the benefits of seamless transactions, rewards, and cashback with greater peace of mind.