How do I dispute a charge on my debit or credit card?

A transaction dispute occurs when you, or an additional cardholder, questions a transaction charged to your debit or credit card account.

Types of transaction disputes can include:

where you, or an additional cardholder, did not receive goods or services,
where you have been billed more than once for a single authorised transaction,
where you have cancelled a membership or subscription and have been billed after it has been cancelled, or
other types of transaction disputes contained in the Dispute Forms.

We aim to make the experience as easy for you as possible if you find yourself needing to dispute a transaction, by providing you with detailed information on the steps involved. Mastercard® and Visa have set rules and timelines for the dispute process, which can sometimes take up to 180 days to resolve.

We have also included some handy tips that may assist in avoiding future disputes.

Transaction dispute guidelines

If your dispute is not about a suspected fraudulent transaction, we strongly suggest you attempt to resolve the dispute with the merchant or service provider.
Mastercard and Visa have a formal dispute process with set timeframes that we must follow. To allow us to help you resolve your dispute you must contact us immediately on 13 24 84 or provide us with a completed Dispute Form when you identify a suspicious transaction - ideally this should be within 60 days of the transaction date.
In order for us to act on your behalf, we need you to provide us with all the available information and supporting documentation along with the Dispute Form signed by the account owner.
Once we receive your Dispute Form and supporting documentation, we will liaise directly with the merchant's bank.
The merchant's bank will respond with a reversal of the charge or a request for more information. We will contact you by mail if further information is required - please ensure that you respond within the timeframes as advised on the correspondence to ensure that we can continue your transaction dispute.
Dispute cases can take up to a maximum of 180 days depending on the nature of the dispute, and it is important for you to stay in contact with us and assist with the investigation until a resolution is achieved.

Completed Dispute Forms signed by the account owner can be uploaded online or returned in the post:

Dispute Form	Document Upload Feature (Preferred)	Post
Citi Mastercard Dispute Form Citi Visa Card Dispute Form	citibank.com.au/upload	Credit Card Disputes Transaction Services GPO BOX 40 Sydney NSW 2001

Please Note:

Unauthorised transactions are charges that a cardholder claims to have never authorised. We must block your card before pursuing the dispute with the merchant's bank.

Cardholder Cancellation FAQs

Cancelling services

Example - choosing not to fly following precautionary advice or to avoid mandated quarantines upon arrival.

Generally we do not have chargeback rights if you chose not to use services made available by a merchant, as the merchant has fulfilled its obligations linked to the transaction. This also applies to non-airline merchants, such as hotels and other venues, that kept their obligations to deliver services.

We suggest you check the merchant or service provider terms and conditions relating to their cancellation policy.
Unable to use available service due to travel restriction

Example - Not being permitted to board an operating flight due to your nationality or medical symptoms, or you cannot reach a hotel stay due to border closures.

Generally we do not have chargeback rights if you cannot use or access services made available by a merchant, as the merchant has fulfilled its obligations linked to the transaction. This also applies to non-airline merchants, such as hotels and other venues, that kept their obligations to deliver services.

We suggest you check the merchant or service provider terms and conditions relating to their cancellation policy.
No-show penalty charged because the reservation was not cancelled as per the cancellation policy

Generally we do not have chargeback rights if the merchant was open and made the service available to you. This is because you didn’t cancel the reservation as per the cancellation policy.

However, if you made reasonable attempts to cancel the reservation but were unsuccessful, this may be sufficient for chargeback if supported by documentation of the attempted cancellations.
Missed flight (for any reason) and as a result, missed subsequent separate non-refundable service, such as a cruise or prepaid hotel reservation.

Generally we do not have chargeback rights for the subsequent missed service unless you are entitled to a refund as per the merchant terms and conditions properly.

Merchant Cancellation FAQs

You have prepaid for services (e.g. flight or hotel reservation) and were notified that the merchant will not be able to provide the services. No refund has been processed.

Yes, there are chargeback rights when services are not provided, including when they are cancelled by a merchant due to government restrictions, insolvency or other exceptional circumstances, unless the merchant has a right to provide you with reasonable alternatives based on the terms and conditions, or based on applicable government legislation or regulation.
You are notified that the date of service (e.g. concert, sports event, flight or package holiday itinerary) was changed/postponed due to government restrictions; however, you cannot or don’t want to use the service on the new date.

Yes, there are chargeback rights when services are changed or postponed by the merchant and this is not accepted by yourself. You are not obligated to accept reasonable alternative services unless required by the terms and conditions properly disclosed at the time of the purchase, or applicable government legislation or regulations.
You purchased a travel package through a travel agent that included flights and other services, such as hotel accommodation or a cruise. The flights were cancelled but the other services are available for use. Now you want to dispute the entire transaction.

You would usually have chargeback rights for the entire travel package that was purchased. However, whether the issuer has chargeback rights for the entire transaction amount, or only a partial transaction amount, will depend on the travel package terms and conditions properly disclosed at the time of the purchase.

Note: If you created your own itinerary and booked each item separately, then the flight cancellation would not give rise to chargeback rights on the other separately booked services. You would need to cancel the hotel, tour, cruise etc., individually, within the required merchant cancellation terms and conditions disclosed at the time of the booking.

How do I dispute a charge on my debit or credit card?

Transaction dispute guidelines

Completed Dispute Forms signed by the account owner can be uploaded online or returned in the post:

Dispute Information

Cardholder Cancellation FAQs

Cardholder Cancellation FAQs

Merchant Cancellation FAQs

Merchant Cancellation FAQs

Other General Questions

Other General Questions