This judgment is about the Bombay High Court appointing an arbitrator in credit card disputes, holding that the use of a credit card amounts to acceptance of the Cardholder Agreement containing the arbitration clause, even without a physical or digital signature.

Case Snapshot

• Case Name: Kotak Mahindra Bank Limited v. Maulin Niranjan Patel

• Citation / Neutral Citation: Arbitration Application (L) Nos. 25878, 25676, 25703, and 25784 of 2026; 2026:BHC-OS:23816

• High Court: High Court of Judicature at Bombay (Ordinary Original Civil Jurisdiction)

• Bench: Hon’ble Mr. Justice Amit Borkar

• Date of Judgment: 04.11.2026

• Area of Law: Arbitration & Conciliation Act, 1996 — Section 7, Section 11; Digital Lending; Standard Form Contracts

Judgment Headline

Bombay High Court Holds Use of Credit Card Constitutes Acceptance of Arbitration Clause

The Judgment in One Line

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