How to Close RBL Bank Credit Card: Are you looking for an easy and hassle-free way to close your RBL Bank credit card? Whether you want to cancel your RBL credit card permanently due to excessive fees or reduce your credit utilization ratio, following the right steps is crucial. Understanding how to close RBL Bank credit card is essential to avoid any negative impact on your credit score.
In this guide, we provide you with a step-by-step process of how to close RBL Bank credit card, the best ways to contact RBL credit card customer care, and the impact of card closure on your credit score.
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Why Should You Close RBL Bank Credit Cards?
RBL Bank credit cards offer various perks, but there are situations where closing your card might be the best financial decision.
Whether you’re dealing with high fees, poor customer service, or simply want to streamline your finances, knowing how to close RBL Bank credit cards properly is crucial. Some common reasons are:
- High Annual Fees: If the charges outweigh the benefits, it may be better to close the card.
- Low Usage: If you rarely use the card, it might not be worth keeping.
- Debt Management: Closing unused credit cards can help manage finances better.
- Security Concerns: If your card has been lost or compromised, it’s best to cancel it.
Apart from these reasons, if you are still willing to cancel your RBL Bank credit card, below are the methods to do so.
Additionally, you may consider using the RBL bank forex card for international transactions or exploring the best international credit cards in India 2025.
Also Read: How to Check Airport Lounge Access on a Credit Card?
Methods to Close RBL Bank Credit Card
RBL Bank provides multiple methods to cancel your credit card. You can choose the method that suits you best. Each method has its own advantages, and choosing the right one depends on your convenience.
Whether you prefer digital communication or direct interaction, understanding how to close RBL Bank credit card with different methods ensures that you can select the best option for your situation.
Below are the multiple methods to cancel your RBL Bank credit card. You can choose the method that suits you best.
Close RBL Bank Credit Card via Email
You can request the closure of your credit card by sending an email to RBL Bank credit card customer care. This approach is perfect for those who want a documented record of their request.
Knowing how to close RBL Bank credit card via email ensures you have proof of your cancellation request, which can be useful in case of disputes.
- For RBL Credit Cards: Email [email protected]
- And for Bajaj Finserv RBL Bank SuperCards: Email [email protected]
Make sure to include the given information in your mail to fasten the RBL credit card closing process-
- Full Name
- Registered Mobile Number
- Credit Card Number (last four digits)
- Date of Birth
- Card Expiry Date
- Reason for Cancellation
Cancel RBL Credit Card via Customer Care
Call RBL credit card customer care to initiate the cancellation. Speaking directly with a representative can help you get immediate confirmation of your request.
If you are unsure about how to close RBL Bank credit cards, the customer care team can guide you through the process and answer any questions.
- For RBL Credit Cards: Dial +91 22 6232 7777
- For Bajaj Finserv RBL Bank SuperCards: Call +91 22 7119 0900
Inform the representative about your request to close the credit card. They will guide you through the RBL credit card closing procedure and provide the necessary instructions.
Close RBL Bank Credit Card by Visiting a Branch
You can also visit the nearest branch of RBL Bank to give a written request for credit card closure. This way is suitable if you prefer in-person interactions and want immediate confirmation of your request.
Visiting a branch also allows you to clarify any last-minute queries related to how to close RBL Bank credit card. Here are the steps to follow:
- Carry a valid ID proof (Aadhaar, passport, PAN card, or driver’s license).
- Submit a written request for credit card cancellation.
- Cut your credit card diagonally across the magnetic strip and hand it over to the bank representative.
Things to Do Before Cancelling Your RBL Credit Card
Before initiating the RBL credit card cancellation process, make sure you complete the following steps. These steps ensure that your cancellation request is processed without any delays or issues.
Many cardholders do not realise that closing a card without completing these pre-closure steps can lead to penalties or negative credit reporting.
Understanding how to close RBL Bank credit card the right way will help you avoid such complications and ensure a smooth experience.
Clear Outstanding Balances
Ensure you have paid all pending balances on your credit card. If you have any EMIs or auto-debit transactions, settle them first.
Redeem Reward Points
Once you close your RBL credit card, your reward points will be forfeited. Use them before cancellation on travel, vouchers, or cashback.
Cancel Automatic Payments
If your card is linked to subscriptions like Netflix, Amazon Prime, or insurance payments, update the payment method before closing the card.
Also Read: Pay Student Loans with a Credit Card: Pros and Cons & How to Pay
What to Do After Cancelling Your RBL Credit Card?
After learning how to close RBL Bank credit card, you must take a few additional steps to ensure that the process is fully completed. Many people overlook post-closure steps, which can lead to issues in the future.
Follow these guidelines to understand the key things to keep in mind after cancelling your RBL Bank credit card.
Obtain a No Dues Certificate
Even after settling your dues, always ask for a No Dues Certificate (NDC) from RBL Bank. This document confirms that you don’t have any outstanding balance.
Check Your Credit Report
Wait 30-45 days after closing your RBL Bank credit card and check your CIBIL score to ensure the status is updated as “Closed” and not “Settled” (which negatively affects your credit score).
Keep the Confirmation Email or Letter
Once your card has been cancelled, you will receive a confirmation email or letter from RBL Bank. Save this document for future reference in case of any disputes.
How Does Closing RBL Bank Credit Card Affect Your Credit Score?
Understanding how to close an RBL Bank credit card goes beyond just the cancellation process—it’s also important to consider its impact.
While closing or cancelling a credit card might seem like a simple decision, it can have lasting effects on your financial health. Being aware of these consequences can help you take the right steps to protect your credit score.
To better understand the effects of closing your RBL Bank credit card, here are some key ways it can impact your credit health:
- Reduced Credit Limit: Your total available credit decreases, increasing your credit utilization ratio.
- Shorter Credit History: Closing an older card reduces the average age of your credit accounts.
- Impact on Credit Mix: If you have fewer credit products, your credit mix gets affected.
To minimize the negative impact, ensure you have other active credit accounts and maintain a low credit utilization ratio.
Closing your RBL Bank credit card is a straightforward process if a cardholder follows the correct steps. Ensure you pay off all dues, redeem rewards, and cancel auto-debit instructions before initiating the closure.
Choose the method that best suits you—customer care, email, or branch visit—and obtain a No Dues Certificate after successful cancellation. Lastly, monitor your credit report to verify that your card is marked as “Closed” without any errors.
FAQs on How to Close RBL Bank Credit Card
The best way to close an RBL Bank credit card is to contact customer care via phone or email or visit the nearest branch. Ensure you clear outstanding dues and redeem reward points before initiating the closure.
You can close your RBL Bank credit card online by sending a closure request via email to [email protected] (for RBL Credit Cards) or [email protected] (for Bajaj Finserv RBL SuperCards).
Yes, you can close your RBL Bank credit card by calling +91 22 6232 7777 for RBL Credit Cards or +91 22 7119 0900 for Bajaj Finserv RBL SuperCards and requesting cancellation.
To permanently close your RBL Bank credit card, clear all outstanding balances, redeem reward points, and request cancellation via email, phone, or by visiting an RBL Bank branch.
No, RBL Bank does not charge any fees for closing a credit card. However, ensure that all pending dues, EMIs, and auto-payments are cleared before initiating the closure.
The RBL Bank credit card closure process typically takes 7-10 working days. You will receive a confirmation email or letter once the request is processed.
If you do not clear your outstanding dues, RBL Bank will not process the closure request. Unpaid balances may also impact your credit score negatively.
Yes, closing your RBL Bank credit card can impact your credit score by increasing your credit utilization ratio, shortening your credit history, and affecting your credit mix.
After requesting cancellation, check your email or request a No Dues Certificate (NDC) from RBL Bank. Also, verify your credit report after 30-45 days to ensure it reflects the “Closed” status.
No, once an RBL Bank credit card is closed, it cannot be reopened. You will need to apply for a new card if you wish to use RBL Bank credit services again.
Your RBL Bank credit card may be declined for various reasons, such as exceeding your credit limit, entering incorrect card details, or attempting a transaction in a restricted category. To determine the exact cause, you can contact RBL Bank’s 24-hour customer service at 1800 121 9050. A customer care representative will assist you in resolving the issue.
To learn more about bank accounts for students, the best education loans, forex, banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.
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