Footballer Anton Ferdinand dismissed insults traded with John Terry as "banter" and initially denied any racist obscenity had been used, a court heard today.

England and Chelsea defender Terry, 31, is accused of racially abusing Ferdinand during a Premier League game on 23 October last year.

Today Westminster Magistrates' Court in London heard that at first Queens Park Rangers centre-half Ferdinand did not think any racist insult had been used.

He shook hands with Terry and accepted that their clash was "handbags" and "banter".

But after the match, his then girlfriend showed him a clip of their exchange posted on YouTube, and he believed Terry had used a racist obscenity.

Ferdinand told the court that if he had realised at the time he would have told officials.

He said: "I would have been obviously very hurt and I probably wouldn't have reacted at the time because, being a professional, you can't do that. I probably would have let the officials know what happened and dealt with it after the game.

"When someone brings your colour into it, it takes it to another level and it's very hurtful."

Chelsea were down to nine men in the clash at Loftus Road, and Ferdinand and Terry began trading insults over a penalty claim, the court heard.

After the match, Chelsea left-back Ashley Cole told him: "You can't talk to JT like that."

Terry then met Ferdinand to ask what had happened.

"Mr Terry said, 'Do you think I racially abused you?'. I was like. 'No'," Ferdinand told the court.

"I said 'No, that never came out of my mouth'. Then Ashley Cole popped his head round and said 'Yeah, didn't you say that to me?' I said 'I didn't say that at all'."

Terry is accused of a racially aggravated public order offence, which he denies.

He maintains that he was only sarcastically repeating what Ferdinand wrongly thought he had said.

In cross-examination by George Carter-Stephenson QC, for Terry, Ferdinand said he was no stranger to being sworn at and agreed he had also sworn at players.

The QPR defender said he was angry at Terry trying to get a penalty and "he barged me in the back for no reason", he said.

Proceedings in Court One have been punctuated by swear words but Ferdinand insisted he did not use those words off the pitch.

The QC asked the witness if by shouting abuse at him he was "trying to get a rise out of Mr Terry and get him to react?"

"Probably, yes," said Ferdinand.

"There wasn't long left in the game."

Mr Carter-Stephenson suggested that Ferdinand made up the allegation of racism as swearing and taunting him were not having "the desired effect" of winding Terry up.

Ferdinand denied this.