Expert Guide on credit card frauds in UAE&Fraud Cases Lawyer

Credit card frauds in UAE is a growing concern, with scammers using advanced tactics to steal personal financial data. Whether it’s unauthorized transactions, phishing scams, or identity theft, knowing your rights and taking the right action can help you recover your losses and protect yourself from future fraud.
If you’ve fallen victim to fraud, this guide will walk you through how to report credit card frauds in UAE, legal protections, penalties for scammers, and how a lawyer can assist you.

What is Credit Card Frauds In UAE?

Credit card frauds In UAE occur when someone uses your credit card details without your authorization. Fraudsters may steal card information through physical theft, hacking, phishing scams, or card cloning. The UAE has strict laws under its Cybercrime Law and Penal Code to penalize such offenses.

Why Reporting Credit Card Frauds in UAE is Crucial?

If you detect any unauthorized transactions, it’s essential to act fast because:

•  It prevents further misuse of your funds.
•  Banks can block fraudulent transactions immediately.
• Law enforcement can track down cybercriminals.
•  Reporting helps protect others from falling victim to similar scams.

Ignoring or delaying action may lead to financial loss, banking issues, or even legal liability if fraud is linked to your identity.

Types of Credit Card Frauds in UAE

Fraudsters use multiple methods to steal card details. Here are the most common types of credit card frauds in UAE:

1. Card Theft & Unauthorized Use – Physically stolen cards are used for transactions.
2. Skimming & Cloning – Scammers install devices at ATMs or POS terminals to copy card data.
3. Phishing Attacks – Fake emails or messages trick victims into revealing their card details.
4. Identity Theft – Stolen personal information is used to open fraudulent accounts.
5. Online Shopping Fraud – Hackers use stolen card details to make unauthorized purchases.
6. Chargeback Fraud – Customers falsely dispute legitimate transactions to get refunds.
7. SIM Swap Fraud – Scammers hijack phone numbers to intercept banking OTPs.

What to Do If You Are a Victim of Credit Card Fraud?

If you are a victim of credit card frauds in UAE :

🔴 Immediate Actions to Protect Your Account

•  Freeze or Block Your Card: Call your bank’s fraud department immediately.
• Change PIN & Online Banking Passwords: Update all banking credentials.
• Monitor Your Account: Check for further unauthorized transactions.

📞 Reporting Fraud to Your Bank

• Call the bank’s fraud hotline (available 24/7).
• Visit the nearest bank branch and file an official complaint.
• Request a chargeback if unauthorized transactions were processed.
• Keep a reference number for follow-ups.

🛡 Reporting to UAE Authorities

If your bank cannot resolve the fraud case or if it involves a significant amount, report it to:

• Dubai Police (Cybercrime Unit): Call 901 or report via the e-crime portal.
• Abu Dhabi Police Cybercrime Department.
• UAE Central Bank: If the bank fails to address your complaint.
• Federal Authority for Identity & Citizenship (FAIC): For identity theft cases.

Also Read : How To Report Cybercrime in UAE : A Step By Step Guide

Legal Assistance: How a Fraud Lawyer Can Help You?

A specialized lawyer can:

•  Assist in filing a police report.
•  Represent you in legal proceedings.
•  Negotiate with banks to recover stolen funds.
•  Defend you if you’re accused of fraudulent transactions.
• Guide you on fraud prevention strategies to avoid future scams.

If you need legal assistance, Hiring The Right Lawyer who :

• Specializes in financial fraud & cybercrime cases.
• Understands UAE banking regulations.
• Can negotiate with banks for refunds and settlements.
• Has experience representing clients in fraud investigations.

💼Amal Khamis law firm has the most experienced lawyers in Dubai specializing in fraud cases who can improve your chances of recovering stolen funds and protecting yourself from legal complications.

What Laws Protect You Against Credit Card Frauds in UAE?

The UAE has strict legal provisions against financial fraud, including:

•  UAE Cybercrime Law (Federal Decree-Law No. 34 of 2021) – Criminalizes online fraud, hacking, and identity theft and cybercrime punishment in UAE.
•  UAE Penal Code (Federal Decree-Law No. 31 of 2021) – Punishes fraud and financial crimes.
•  Consumer Protection Law (Federal Law No. 15 of 2020) – Protects customers from fraudulent transactions.
•  UAE Central Bank Regulations – Requires banks to implement strong security measures.

Credit Card Frauds in UAE Punishment

Penalties for credit card frauds in UAE include:
⚖ Heavy fines up to AED 2 million.
⚖ Imprisonment from 1 to 15 years.
⚖ Deportation for expatriates.

Challenges in Dealing with Credit Card Frauds in UAE

•  Difficult to Track Scammers: Many fraudsters operate from outside the UAE.
• Banking Delays: Investigations can take weeks or months.
• Complex Legal Processes: Cybercrime laws require technical evidence and expert legal representation.
• Victim Liability: If negligence is proven (e.g., sharing OTPs), victims may be held responsible.

Tips to Protect Your Credit Card from Fraud

• Enable Two-Factor Authentication (2FA) for banking transactions.
• Never share OTPs, PINs, or passwords—even with bank employees.
• Check your bank statements regularly for suspicious activity.
• Avoid using public Wi-Fi for online banking or shopping.
• Set transaction limits to prevent large unauthorized payments.
• Use only secure websites (look for HTTPS in the URL).
• Shred old credit card statements before disposing of them.

How Businesses Can Prevent Credit Card Frauds?

💳 Secure Payment Systems: Use encrypted payment gateways.
🔍 Verify Customer Identity: Request additional verification for large transactions.
📢 Train Employees: Educate staff to recognize fraud signs.
📊 Monitor Chargebacks: Unusual disputes may indicate fraud.
🔐 Use AI & Fraud Detection Tools: Many banks offer real-time fraud alerts.

Protecting Yourself from Credit Card Frauds In UAE

Credit card frauds in UAE is a serious issue , but taking immediate action can help you minimize financial damage and legal risks. Whether you’re dealing with unauthorized transactions or need expert legal representation, Amal Khamis Advocates is here to help.

Get consultation from our best criminal lawyers in dubai  who give guidance and represented clients in various fraud cases.

📞 Need legal assistance? Contact us Now at +971545157778.
🔹 Know Your Rights. Protect Your Finances. Stay Secure.

Frequently Asked Questions (FAQ)

1. How long does it take to resolve a credit card fraud case in UAE?
   It varies. Banks take days to weeks, while police investigations can take months.
2. Can I get my money back after credit card fraud?
   Yes, but only if you report it immediately. Banks will reverse fraudulent transactions if you act fast.
3. What if my bank ignores my complaint?
   You can escalate it to the UAE Central Bank or file a police report.
4. Is credit card fraud a criminal offense in UAE?
   Yes. Fraudsters can face imprisonment and fines up to AED 2 million.
5. How can I check if my card details are being misused?
   Set up real-time alerts for transactions and check your bank statement regularly.