My bank let me make an online purchase with just my debit card number and CVV, even though the Reserve Bank of India (RBI) requires a 3D secure page with a password for every transaction. They say it’s not a credit card and shouldn’t be used like one, but I’m worried about my money being unsafe. The bank won’t admit their mistake or help. Can I take legal action against them for violating RBI rules?

While the RBI mandates 3D Secure authentication for online credit card transactions, it’s unclear if the same rule applies to debit cards. You can explore filing a complaint with the RBI or a consumer forum, citing potential violation of banking regulations and negligence leading to financial risk. However, the outcome depends on the specific RBI guidelines for debit cards and the bank’s internal policies.