Terry was booked in the second-half of the 3-1 win for a challenge on Liverpool goalkeeper Pepe Reina and will be suspended for the return leg at Stamford Bridge on Tuesday.
The England skipper also revealed that Reina did not think his challenge warranted a yellow card.
"I felt as though I went for the ball, that's all I ever do as a player," explained Terry.
"I've spoke to Reina again and he said it wasn't a yellow card. He already knew I was on a yellow card and he was honest with me.
"It reminds of when Liverpool's Xabi Alonso was booked in a similar situation with Eidur Gudjohnsen a couple of years ago. He was crying after that game. I'm obviously very disappointed."
Chelsea interim coach Guus Hiddink should have Portugal centre-half Ricardo Carvalho fully fit to replace Terry in the return leg.
But the Dutchman was full of praise for the hero of Chelsea's victory at Anfield - defender Branislav Ivanovic.
The Serbian's headed double has left them on course for a place in the Champions League semi-finals.
Ivanovic has struggled to settle at Stamford Bridge since his £9m arrival from Locomotiv Moscow in the January 2008 transfer window but he chose the perfect time to record his first goals for the club.
Ivanovic scored with headers from two set-pieces after Fernando Torres had put Liverpool ahead in the fifth minute.
Didier Drogba then struck a third to give Liverpool a mountain to climb at Stamford Bridge.
"I was delighted with Ivanovic," said Hiddink. "When you join a club like Chelsea and then find it hard to get games, it can be tough. But he has been determined in training and shown a good mentality."
Hiddink also reserved some praise for Ghana midfielder Michael Essien. His marking job on Steven Gerrard stopped Liverpool's greatest asset from running the show.
"Michael Essien was the key for us in midfield," said Hiddink. "He did not only follow Gerrard everywhere, but was able to be the starting point to many of our attacks.
"We also felt we could have some success attacking at corners with the way they use their zonal marking. We managed some real benefits from that.
"Once we had got the equaliser we did not sit back and be content with the draw," said Hiddink. We felt we could score more and that is what we did.
"We pinpointed areas in our opponents' side where we could hurt them. The team could smell that and they took advantage. We talked about that situation again at the break and made sure we continued in the same way.
"I admit it was an unexpected result, but we are very happy with the win and it was well deserved.
"We started very sloppily. The jobs we were doing in defence were not as good as they could have been.
"We let them score far too easily, but I can only compliment my team for their recovery from that set-back. Straight afterwards we could have equalised on two occasions."