If you are using RBL Bank Credit Card and you are not happy with it due to any reason like high charges, high annual fees, low limit, etc you can cancel or close your card at any time. In this post, you will learn How to Close or Cancel RBL Bank Credit Card Online | RBL Credit Card Closure?
We will see the methods using which you can easily close or cancel your RBL Bank Credit Card.
Before closing an RBL Bank credit card you must know the below important points…
Important Points to Know Before Closing RBL Bank Credit Card
Outstanding Balance: Once RBL Bank receives a request for credit card cancellation or closure, it will convert the entire outstanding due on the card, pending loans, EMI facilities, balance transfers, and any other charges into due. So, It is necessary to clear your balance or dues on the card before requesting the card cancellation. Banks will not accept your request if there are any due payments.
Avoid Using Credit Card: After having decided to cancel a credit card, make sure not to make payments through the card or make any such transactions. If there is any balance on the card the bank will not cancel the card.
Utilize the Reward Points: The reward points accumulated on your card account should be redeemed. The reward points can be redeemed against card outstanding or against Gift Vouchers available in the rewards catalog.Cancel automatic payments: As a Credit card is usually set for automatic payment every month on a particular day make sure to Cancel all Auto debit facilities from your card like loan deduction, any Policy auto deduction, EMI, etc.
Options to Consider Before Canceling Your RBL Bank Credit Card
Closing a credit card means that you are reducing your credit limit, which will reflect in your CIBIL credit score. Closing a credit card can hurt your CIBIL score temporarily but don’t worry as it is much easier to improve a low credit score.
In case you are looking for an alternative before canceling your RBL Bank credit card you can consider the below point.
- If you have an RBL credit card that doesn’t charge any annual fee, then you can always stay with it. Your account will keep adding credit history in that way, and it also won’t hurt your credit if you don’t use the card.
If you still think you need to close your RBL Bank credit card read the article further…
Close or Cancel RBL Bank Credit Card by Calling RBL Bank Customer Care
RBL Bank customers can close or cancel their credit card by calling the RBL Bank Credit Card customer care number +91 22 6232 7777, +91 22 7119 0900, +91 22 6115 6300.
Call the above number, once the call connects to the executive, request them to close your credit card. They will verify your personal details like Card Number, Name, Mobile number, etc.
After Verifying your personal details they will check your credit card balance if all dues are cleared they will close your credit card without any issue.
Once your credit card is closed you will receive an email to your registered email ID as well.
Close or Cancel RBL Bank Credit Card by Sending an Email to Customer Care
You can send an email to the address firstname.lastname@example.org, email@example.com in the below format and close/cancel your RBL Bank credit card.
Email Application Format
Subject – Credit Card Closure
Due to my personal reason I need to cancel my Credit card with immediate effect. you can find my card details below.
Name on Credit Card
Credit Card Number
Card Expiry Date
Registered mobile number
Registered Email ID
I have cleared all my dues. Kindly assist me with this request.
After Sending the above email, wait for 7-10 working days to cancel or close your credit card. you will get intimated via email and SMS.
Close or Cancel RBL Credit Card by Visiting the Bank Branch
You can visit any RBL bank branch, write an application letter to close your credit card. Make sure to mention your name, card number, mobile number, and other details in your written request.
After verifying your details successfully mentioned in the request, the bank will proceed to close your credit card.
In this article, we have discussed How to Close or Cancel RBL Bank Credit Card Online | RBL Credit Card Closure by calling Customer Care, visiting a bank branch, and requesting online through Net Banking.
You can close or cancel a credit card any time you want, but you should think over the advantages and disadvantages of it before you proceed.
If It is possible keep your old account active as it will boost your credit, and you could always consider a product change instead of account closure.
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RBL Bank credit card customer care number = +91 22 6232 7777 and +91 22 7119 0900 for Supercard.
If it is closed by calling customer care, the credit card will be closed instantly. If it is done through email or branch visit, it will be closed within 4 to 5 working days.