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RBL bank allows you to manage your credit card using both online and offline modes. You can block your RBL card to discontinue its use temporarily and even permanently close your existing credit card account when needed. Read on to know more about the steps to block or close your RBL credit card.
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RBL credit card users can block their card to prevent any fraudulent transactions in case they lose it or get it stolen from them. They can also cancel their RBL credit card if they no longer wish to use it. However, they must also take into consideration its consequences before making the final decision. Read below to know how to block and close RBL bank credit cards online and offline, along with its impact on your credit health.
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| How to Block RBL Bank Credit Card | |
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Click here to know the new rules regarding credit card closure.
Different ways through which you can close your RBL credit card account are as follows:
You can initiate your credit card account closure by contacting these RBL bank customer care numbers for assistance: 022-62327777 for RBL credit card and 022-71190900 for SuperCard. You can call these numbers and share the required details on being prompted to validate your identity and complete the credit card cancellation.
RBL bank credit cardholders can cancel their cards by requesting it online via an email. You can send an email with necessary details, such as name, date of birth, card number and expiry date, to supercardservice@rblbank.com for BFL SuperCards or cardservices@rblbank.com for other RBL credit cards.
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To initiate card cancellation offline, customers can visit the RBL bank branch and submit a written letter requesting credit card cancellation. They may also be asked to submit the credit card, cut diagonally, along with identity proof.
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Here are some things to keep in mind while initiating RBL credit card cancellation request:
RBI’s New Rules on Credit Card Closure |
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Closing a credit card account leads to the reduction of your total available credit amount. This, in turn, increases the credit utilisation ratio (CUR) if your expenses remain the same as before the credit card closure. Also, if the closed credit card was quite old or if it was your only credit line, then your average credit history will also shorten drastically. As a result, this will have a negative effect on your credit score and it can experience a considerable drop as these changes in credit history and CUR together can make you look credit hungry.
Suggested Read: Should You Close Unused Credit Cards?
Various online and offline ways to block your RBL credit card are listed below:
Customers can log in to their RBL net banking portal and head over to the credit card section. There they can select the option to block their credit card.
Customers can log in to RBL MyCard app to block their credit card using the following steps:
Step 1: Login using your MPIN.
Step 2: Go to Card Settings.
Step 3: Click on the ‘Switch the card off’ option.
RBL credit card users can contact the RBL X’perience Centre by calling 022-62327777 for RBL credit card and 022-71190900 for SuperCard. After calling, they can select option 2 followed by option 3 to block their card.
The cardholder can block their RBL credit card by visiting the nearest RBL Bank branch and submitting a written application with card details and identity proof, as required.
The following things must be taken into consideration when you block your RBL credit card:
Why should the credit card be cut diagonally?
Credit Cards should be cut diagonally, across the magnetic strip to render them invalid. This will ensure that no one can misuse the credit card.
Will the annual fee be refunded on cancelling the credit card?
No, there won’t be any return on the annual fees or any other fees.
Can we cancel the additional card without cancelling the primary card?
Yes, this can be done easily. Just notify the bank in writing or send an email with the necessary details.
What is RBL Bank’s customer care number?
RBL Bank’s customer care numbers are: +91 22 6232 7777 for RBL credit cards and +91 22 7119 0900 for SuperCards.
Can the bank close my credit card account without me asking for it?
There are certain scenarios under which a credit card may be cancelled. The first one is Inactivity, i.e., if a card is inactive for a long period then the bank may cancel it. The second one is Non-Payment which means if a customer fails to pay even the minimum amount due then the bank will block that credit card.