How to Close RBL Credit Card?

Do you need help cancelling or closing your RBL bank credit card but need to know how? You can initiate your request to complete the card by following the steps mentioned in the article.

RBL Credit card:

RBL Bank is a well-known private bank. It provides various banking solutions for retail customers, NRI customers, Corporate customers, Credit cards, investments, and loans. Many different types of credit cards are provided to eligible customers with respective limits.

You can take a credit card if you are salaried or self-employed. Even corporate companies where the company’s representative can access the card under the company or organization. The detailed procedure is explained in the article.

How to register for an RBL credit card:

• Go to the official website of the bank, i.e., www.rblbank.com.
• On the homepage, you will see the ‘Login’ option; click on it and go to ‘Personal banking.’
• If it is your first time, click ‘First time user’ and click ‘Register’.
• You will be directed to a page where you can see ‘Mode of Registration. Under that, click on ‘Credit Card.
• Now, enter your card number, expiration date, and CVV number.
• After you enter all the details, click on ‘Submit’.
• Then, enter the OTP number you will get to your registered mobile number or email.
• Enter all the security questions and fill in the details accordingly.
• Now, you have to select security pictures.
• Then, after creating a password and confirming it.
• Remember the User ID and password that we use during our login.

RBL Credit card login:

You can log in to your account by following the steps below:

• Go to the official bank website, i.e. www.rblbank.com.
• Next, you will be redirected to the online banking portal online.rblbank.com.
• Now, you will see the login option. Click on it.
• Enter the login ID and Password correctly.
• After entering the details, click on login. You will be logging into your account.

How to close your RBL Bank Credit card?

How do you close the RBL credit card in possible ways? Whatever the reason for closing the card, there are many ways to approach the RBL credit card. They are like email, customer care and visiting the nearest branch. You can use the convenient option for your closure request.

Through Email:

In this method, you can send a direct mail to the bank asking to close your credit card. The following are some emails you can send the request to.

1. supercard@rblbank.com
2. cardservices@rblbank.com

In the mail, you have to give the following details:

• Cardholders name
• Card number
• Date of Birth
• Expiry date.

Visit the nearest branch:

One of the easiest methods is to go to the nearest branch. The cardholder can go to the bank directly and ask for card closure. After asking, fill in the basic details and submit them. Remember to cut the card diagonally to avoid misuse of the card.

Customer Care:

Another way to close the card is to contact customer care and ask to complete the card. You can also check your status and ask your queries.
Customer care numbers: +912271190900 & +912262327777

Tips to follow while closing the credit card:

While completing your RBL Bank credit card, follow some tips.

• Clear all your dues like EMIs, transactions, etc.
• Before cancellation, remember to claim all the reward points.
• Remember to cancel all subscriptions and automatic payments.

New Rules on Card Closure:

• The card has to be cancelled within 30 days of the cancellation request. However, the customer has to clear all the dues before cancellation.
• If the card is not used for one year, the issuer can deactivate the card and notify the user. If there is no response from the user within 30 days, the account is closed.
• The card issuer has to pay a 500/- fine if they don’t process the cancellation after the request.
• The card issuer must use various channels like mobile banking, online banking, a helpline, a dedicated email, and a mobile app to submit the closure request.
• If credit is still available in the cardholder’s account, the amount should be transferred to the user’s account.
• Credit card issuers should notify the credit bureau within 30 days of closure.

Consequences due to closing of the credit card:

Due to credit card closing, the credit score may fall. The credit utilization ratio increases due to credit card closure, as the total limit will be reduced. You can avoid it by cutting your expenses.

The credit history suddenly stops if the cardholder cancels only the available credit card, which will affect the credit score. Gradually, it may lead to the credit score becoming invalid.

How do you redeem credit card points before closing the card?

Before closing the RBL Credit card, remember to claim all the reward points. You cannot redeem them after closure anyway. So, to claim the reward, you need to follow the following steps:

• Firstly, go to the official website and log in to your account.
•  Now, you must select the category for redeeming the points and how many.
•  You will receive an OTP to your registered number. Enter the OTP number.
•  Then, you must make payment for the reward product and complete the process.
•  You can use your credit for the transaction if the reward points exceed the product value.

Conclusion:

A cardholder can close the card anytime in many ways. But it may affect your credit score. A credit card can be locked for many reasons, like excessive annual fees or no usage. There are both online and offline ways to cancel the card.

FAQs: