Citibank — Fraud on cards

Address:

New Delhi, Delhi, 110025

I have a credit card from Citibank used only at Indianoil Petrol pump. I paid through the card on 15th August at Indianoil petrol pump in Panchsheel New delhi (Rs1800/). On 18th August at 845pm I receive a sms alert regarding transaction on the card. I check the card, it was with me. The transaction happened at Mukharji Nagar while I was at Surajkund Faridabad that time. I called Citibank got my card blocked and got to know it was a cash transaction from an ATM. I am running from the police station to Citibank and it looks like a dead end. Citibank has not been very helpful. One of the Citibank representative even mentioned that this is happening these days? If this is happening them who is responsible? The customer because he has the card. There is no responsibility of the bank to secure these cards or machines further? I am asked by Citibank to pay the amount as per the statement? Why should we suffer. Are we saying that we should give up our credit cards, debit cards and get back to the manual system as before? I found out a similar case where this lady got fuel through her debit card and then Rs44000/ were withdrawn using her debit card at sadar Bazaar where as the card and pin were with her. If we have this mafia in new Delhi, why something is not being done, why it is left to the customer to suffer? Would appreciate guidance and help - I cannot pay the money if I have not withdrawn?