Mobile phones have become an essential part of our daily lives, used for everything from banking and shopping to bill payments and investments. Recently, many people have fallen victim to fake messages claiming they have earned Reward Points from their bank accounts. These scams are so cleverly designed that even educated users get trapped. Here’s how this scam works and how you can protect yourself.
The scam begins when users receive an SMS or WhatsApp message stating that thousands of Reward Points have been credited to their bank account or card, urging them to redeem these points immediately. The message includes a link, which the user is asked to click. Once the user clicks the link and enters bank details, OTP, or card information, their account is emptied.
Fake Reward Points messages are fraudulent texts sent by scammers claiming that Reward Points have been added to your bank, credit card, or UPI account. The sole purpose of these messages is to steal your sensitive information. Often, these messages warn that if you do not redeem the points quickly, they will expire, creating a sense of urgency and fear to rush you into action.
Recognising fake messages is not difficult if you stay alert. A major warning sign is poor language and spelling mistakes. These messages often contain strange Hindi or broken English, and sometimes the bank’s name is misspelled. Another red flag is unknown or suspicious links. Banks never send links via SMS or WhatsApp asking for your personal information. If the link looks short or unusual, be cautious.
Avoid clicking on unfamiliar links at all costs. Clicking such links can put your phone or browser at risk. Never share your OTP, ATM PIN, CVV number, UPI PIN, or net banking details with anyone.
Calls from numbers starting with 1600 are genuine and secure, as per government and bank guidelines. If you receive a call from a 1600 number, it is likely from a bank or a government agency. However, do not trust any bank-related information coming from other mobile or WhatsApp numbers without verification.
If you accidentally click on a fraudulent link or share your information, do not panic. Immediately call the national cyber fraud helpline at 1930. You can also file an online complaint at cybercrime.gov.in. Prompt action increases the chances of recovering your money.
My name is Bhupendra Singh Chundawat. I am an experienced content writer with several years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.
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