Ever wondered how to close a credit card? Well, if you are an account holder in the RBL bank, then there is no need to worry. The bank provides its customers with a convenient way to deactivate credit cards.
There could be a few reasons why you would want to close for RBL credit cards. This could be due to a high annual fee or just because you have decided to open an account with some other bank.
Whatever may be the reason. In this article, find all the various ways and on how to close the RBL credit card.
Things To Consider Before Canceling Your RBL Credit Card
Before canceling your card, there are a few things that you should keep in mind. Here, let’s have a look at them:
- If you have any outstanding bills, payments must be made before the closing of the account.
- Redeem the accumulated reward points for future use.
- Closing your credit card may lead to a dip in your credit score.
- All the automated payments and subscriptions made using this card will end when you close this card.
It is recommended to cancel the credit card only when it becomes too expensive or when you need to pay a high annual fee for maintenance charges.
Different Ways To Cancel or Deactivate RBL Credit Card
There is more than one method to cancel your RBL credit card both online and offline. One can opt for any method that is suitable for the person.
Via Email
You can deactivate or cancel your card easily via online modes. You can cancel the credit card by sending an email request to the RBL bank. Include some basic details like name, credit card number, expiry date of the credit card, and date of birth.
Here are the bank’s emails:
- For super cards – supercardservices@rblbank.com
- For other cards – cardservices@rblbank.com
To avail of the service, you need to provide some credit card and personal details so that the bank can easily close your credit card easily.
- Name of the Credit Card Holder
- Credit Card Number
- Your Date of Birth
- Credit Card Expiry Date
Visit Your Nearest Branch
One can get a credit card canceled by submitting a credit card form to the nearest branch of the RBL bank stating that they want to deactivate their credit card.
You need to attach the credit card with the form along with one ID proof. The card should be cut into two with scissors. So that in case the package gets misplaced, the card does not end up in the wrong hands.
Via App
You can visit the official app for the RBL Bank and deactivate your credit card instantly. Here are the steps:
- Visit the official RBL bank or if you don’t already own the app you can download it from the app store.
- Open the app and navigate to my account.
- Click on settings and go to the service request.
- Search for Card closure and choose it from the menu to get detailed app information.
- You will be asked to provide a reason for canceling the card.
- After submitting the reason, press confirm to proceed.
- Ensure all your dues are cleared and wait for confirmation from the bank about the successful cancellation of your credit card.
Via Customer Care
- Call RBL Bank’s customer care number
- Place a call and submit a cancellation request for a credit card at
- 022-71190900
- 1800 121 9050 (toll-free).
- Provide some basic details such as the card number, your name, and your registered mobile number. This information will help the customer care executive check the account details and help you further.
- Request for closure. You need to inform the customer care executive that you want to close or cancel your credit card. Provide a reason for the closure.
- 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.
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, canceling a credit card may impact your credit score, so you should weigh the pros and cons before taking this step.
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.
Wrapping Up
Well, I hope this article could help you get an answer to how to close the RBL credit card. All of these methods are easy and require minimal to no effort. You can check the history just by sitting in the comfort of your own house. If you need any further help or information, please comment in the comment section below!
