can confirm that ,idfc and hdfc too the customer service does not even know what a chargeback isNot to be pessimistic here but if you used icici credit card then you can forget about the chargeback for such cases because icici does not have a policy for chargeback for cases where product is marked as delivered especially with otp. For other banks credit cards you will have to fight a long battle with no guarantee of success either unless it was amex card (the only cc in India currently which favours its customers first in any situation).