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

Updated on: 22 Apr 2022 // 29 min read // Credit Cards
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How to Close RBL Credit Card? - All You Need to Know

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 credit scores. 

  1. Intro
  2. DIfferent ways to Close, Cancel or Deactivate RBL Credit Card in 2021
  3. How to Close RBL Credit Card?
  4. How to close RBL Credit Card temporarily in case of fraudulent activity?
  5. Things to Keep in Mind While Closing RBL Credit Card
  6. Consequences of Closing RBL Credit Card
  7. Does a Cancelled or Closed RBL Credit Card affect your CIBIL Score
  8. How to Reactivate a Deactivated RBL Credit Card?
  9. FAQs

Now let us discuss first in detail the different ways to close, cancel or deactivate RBL credit cards.

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

DIfferent ways to Close, Cancel or Deactivate RBL Credit Card in 2021

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:-

  1. Cancellation of credit card online: 

A credit card can be deactivated or cancelled by online modes as well. Credit cardholders can submit an online request, i.e. via email to supercardservice@rblbank.co. For getting the credit card closed, one needs to provide some credit card and personal details so as to assist the bank in closing the credit card easily and quickly.

  1. Cancellation of a credit card by a written request:

One can get a credit card cancelled by submitting a letter 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. It should be split into two pieces diagonally.

  1. Cancellation of a credit card by customer care:

Place a call to initiate the submission of the cancellation request of credit card at 022-71190900. The credit cardholder would have to submit some basic details, check the account, and then the cancellation request would be raised by the bank representative.

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 select cities

AhmedabadThe RBL Bank Ltd Viva Complex, Ground floor, Opp Parimal Garden, Ellisbridge Ahmedabad 380006, Ahmadabad Gujarat, 380006
BengaluruRBL Bank Ltd Ground Floor G13, G14 G15 & G17 Prestige Towers 99 & 100 Residency Road, Bangalore Karnataka, 560025
ChennaiThe RBL Bank Ltd Ground Floor Nibav Building, No: 11 LB Road, Adyar, Chennai, 600020
DelhiThe RBL Bank Ltd, Ground Floor, DLF Capitol Point, Baba Kharak Singh Marg, New Delhi 110001
HyderabadNo. 63865, Ground Floor, My Home, Jupally Complex, Opp Green Park Hotel, Green Lands, Ameerpet Road, Hyderabad 500016
MumbaiThe RBL Bank Ltd, 1/A Mittal Court 224 Nariman Point Mumbai 400021, Mumbai, Maharashtra, 400021
Nagpur3 4 5 Aditya Enclave, Central Bazar Road Opp. Salwar High School Ramdaspeth, Nagpur, Maharashtra, 440010
PuneThe RBL Bank Ltd C Wing, Anmol Pride, CTS No. 270, Baner Road, Pune, Maharashtra, 411045

Things to Keep in Mind While 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.

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.