Then you just got lucky.
This is what banks have to say:
\"Chargeback rules raised by the customer are different for different markets; the rules are different even within Europe for different countries,\" reveals Sachin Khandelwal, head (cards group),
ICICI Bank.
In India, in case of a dispute, the issuing bank raises a chargeback to the merchant and reimburses the money back to the customer. But, there are no specific conditions under which a customer can apply. The issue is resolved or taken up on a case-by-case basis. \"As a matter of policy, the bank does not offer any purchase protection to the customer regarding the quality of goods or services purchased,\" claims Khandelwal.
The Citibank spokesperson parroted a similar line: \"In the event of a dispute or claim, card members need to resolve it directly with the merchant. Only, if we have a
business relationship with the concerned merchant establishment, we try to, on a best effort basis, help customers in the manner possible.\"
Use credit cards with care; the risks are yours
My own card agreement specifically says that its up to bank to decide if chargeback would be allowed for a transaction or not.