How to Close or Cancel RBL Credit Card? - All You Need to Know

How to Close or Cancel RBL Credit Card and Bajaj RBL Supercard?

RBL Bank provides its credit cardholders with convenient and hassle-free methods for deactivating credit cards. The cancellation of credit cards may have an adverse effect on your credit score. Therefore, it is very important to understand the impact of credit cards on your credit score before you proceed. Now let us discuss first in detail the different ways to close, cancel or deactivate RBL credit cards or Bajaj RBL supercard .

Additional Info: Get Rs. 500 Per Day in a Delay of Credit Card Closure

Things to Keep in Mind before Closing RBL Credit Card

Following things should be kept in mind once you have decided to cancel the credit card:

1. All the outstanding dues on the card must be cleared before initiating the process of cancellation of credit card, which includes EMI's as well.
2. Don't forget to redeem all the reward points earned by you before applying for the closure of your credit card.
3. Stop all the automated payments continuing, if any, on the card.
4. One must consider the fact that cancellation would have an adverse impact on the credit score.

Also, it is recommended to cancel the credit card when it becomes too expensive or when you need to pay high annual fees without satisfactory benefits.

Different ways to Close, Cancel or Deactivate RBL Credit Card in 2024

Credit cardholders may opt for either online or offline methods to get their credit cards cancelled. Below mentioned are the different methods to cancel a credit card:-

• Cancellation of credit card online: A credit card can be deactivated or cancelled by online modes as well. RBL Credit card holders can submit an online request, via email:      
  cardservices@rblbank.com  for RBL Credit Cards & other co branded RBL Cards      
  supercardservice@rblbank.com for BAJAJ RBL super card customers only.       
  For getting the credit card closed, Customer needs to provide some credit card and personal details so as to assist the bank in closing the credit card easily and quickly.       
   
• Name of the cardholder (Same as mentioned in the Card)
• Credit Card number
• Card holder Date of birth
• Expiry date

1. Cancellation of a credit card by visiting nearest branch: One can get a credit card cancelled by submitting a credit card closure from to the nearest branch of RBL Bank stating their will to deactivate the credit card. The card which the credit card holder wishes to get closed should be sent along with the written request and one id proof. Card should be split into two pieces diagonally.      
    
2. Cancellation of a credit card by official RBL credit card App: 

• Go to my account
• click on the setting and go to the service request 
• Type Card closure or choose it from menu to get detailed information on app.

1. Cancellation of a credit card by customer care: 

• Call RBL Bank's customer care number: Place a call to initiate the submission of the cancellation request of credit card at 022-71190900 or 1800 121 9050 (toll-free). 
• Provide necessary details:The credit cardholder would have to submit some basic details such as the card number, your name, and your registered mobile number.  this information will help the customer care executive to check the account details and outstanding amount.
• Request for closure: You need to inform the customer care executive that you want to close or cancel your credit card. They may ask for the reason for the closure.
• Pay any outstanding dues: You need to clear any outstanding dues on your credit card before you can close it. You can request the customer care executive to provide you with the exact amount due.
• Confirm the closure request: The customer care executive will confirm the closure request and provide you with a reference number for future reference.
• Destroy the card: Once the closure request is confirmed, you should destroy your credit card by cutting it into multiple pieces.

Note: It's important to note that you should clear any outstanding dues before initiating the closure request, as failure to do so may lead to penalties or affect your credit score. Additionally, cancelling a credit card may impact your credit score, so you should weigh the pros and cons before taking this step.

RBL Credit Card Customer Care Number

RBL Bank Credit Card Helpline : +91 22 6232 7777

RBL Bank SuperCard Helpline +91 22 7119 0900

For General Banking Queries +91 22 6115 6300

Dedicated Helpline Numbers for Complaints - 

Banking: 1800 120 616161

Credit Cards: 1800 102 622

Cancellation of a credit card by visiting the bank branch:

By visiting the nearest bank branch, a credit cardholder can make the cancellation request by speaking to an executive. One would need to show the credit card and ID Proof. After checking for any outstanding dues, the process for cancellation would get started.

How to close RBL Credit Card temporarily in case of fraudulent activity?

In case the credit cardholder notices any fraudulent activity, one can call on these numbers: 

Call: +91 22 6115 6300

Email: vigilance@rblbank.com

Grievance redressal

There are a series of levels that RBL Bank provides in case the credit cardholder has a problem with a credit card. These levels help in providing a complete resolution to the cardholder’s problem.

First Level:

Step 1: Contact 24*7 customer care helpline number.

For RBL cards: 022-62327777

Email ID: cardservices@rblbank.com

For BFL Super Cards: 022-71190900

1. mail ID: supercardservice@rblbank.com

In case of a written submission, below mentioned is the address for the same:

RBL Bank Limited Cards Operating Centre - COC, 

JMD Megapolis, Unit No 306-311 - 3rd Floor, 

Sohna Road, Sector 48, 

Gurugram, Haryana 122018.

The credit cardholder would get revert within 10 days of receiving the letter or email, which would be based on the nature of the query and the time required to resolve the same.

For a quick response, don't forget to add the below-mentioned details:

1. Full name of the applicant
2. Account details, if the applicant is an existing customer
3. Contact details like address, contact number, email id etc.

Second Level:

In case the cardholder does not get any satisfactory response in 10 days, they may email or write a letter to Head- Credit Cards Service at headcardservice@rblbank.com. Or can write at 

Head – Credit Cards Service,

RBL Bank Limited

Cards Operating Centre - COC,

JMD Megapolis, Unit No 306-311 - 3rd Floor

Sohna Road, Sector 48,

Gurugram, Haryana 122018

Also, mention the reference number which was received in the first level of written submission along with the account number or credit card number.

Third Level:

In case no response has been received from the Head of credit cards services within 4 business days, the next way out is to write to the Nodal Officer at the below-mentioned email.

Email - principalnodalofficercards@rblbank.com or

Contact Number - 022 7143 2700

For sending a written submission, the address for the same is :

Principal Nodal Officer

RBL Bank Limited

JMD Megapolis, Unit No 306-311 - 3rd Floor

Sohna Road, Sector 48,

Gurugram, Haryana 122018

In case there is still no response, the credit cardholder can escalate the matter to the Regional Nodal Officer. Further, if there is no satisfactory response, the case again may be escalated to Principal Nodal Officer. 

Finally, in case of unsatisfactory response, the matter may be escalated to the Banking Ombudsman. The contact details of these officers at RBL Bank are available on the bank's website.

The details of the RBL Offices are:

Administrative Office

RBL Bank Ltd.

Mahavir,

Shri Shahu Market Yard,

Kolhapur - 416005.

Maharashtra

Ph: +91 231 2650981 to 984

Registered Office

RBL Bank Ltd.

1st Lane,

Shahupuri,

Kolhapur - 416001.

Maharashtra

Ph: +91 231 6650214

Corporate office

RBL Bank Ltd.

One Indiabulls Centre, Tower 2B, 6th Floor,

841, Senapati Bapat Marg,

Lower Parel (W),

Mumbai 400013

Ph: +91 22 4302 0600

Branch contact details for Metro cities

How to redeem points before closing the RBL Credit Card?

Consequences of Closing RBL Credit Card

Suppose we talk about the overall credit limit, which would get reduced if one of the cards is cancelled or closed. As a result of which there would be an increase in the utilization of credit limit if expenses remain the same. This would end up adversely affecting the credit score and also in getting loan approval.

Does a Cancelled or Closed RBL Credit Card affect your CIBIL Score?

Yes, but only if the credit cardholder has more than one credit card. So, the deactivation of one of the credit cards would not only result in a reduction of the overall credit limit but also a simultaneous increase in the utilization of the credit limit. Hence, the cancellation or closure of a credit card has an adverse effect on the CIBIL score.

How to Reactivate a Deactivated RBL Credit Card?

There are three ways to reactivate RBL Credit Card:

1. Reactivation via Netbanking
2. Reactivation via Mobile Application
3. Reactivation via calling customer care

> FAQ’s

✅ What are RBL Super Cards?

Super cards are credit cards only, but they are associated with Bajaj Finserv. In case of any questions, query or assistance required regarding the same, one can call at 022-71190900 or send an email at supercardservice@rblbank.com.

✅Why we should cut the credit card diagonally? 

Credit cards should be cut across the magnetic tape diagonally so as to make them invalid so as to ensure that nobody can misuse them.

✅What happens to the annual fees paid when we apply for the cancellation of the credit card?

There won't be any refund in any annual fees or any other fees in case of an application for the closure of a credit card.

✅Is it better to close a credit card or leave it open with a zero balance?

The standard protocol is to keep the unused accounts with zero balance open. As, closure of accounts reduces the available credit, which shows that the utilization rate or balance to limit ratio has increased abruptly.