Easy Steps to Close Your RBL Credit Card Account

Knowing the right steps and potential impacts is necessary if you’re considering closing your RBL Bank credit card block. People may cancel a credit card for various reasons, such as avoiding annual fees or simply no longer needing it. RBL Bank provides multiple ways to complete the online or offline process. However, before you proceed, consider factors like clearing any outstanding payments, using up reward points, and the possible effect on your credit score. If you are thinking about how to close your RBL Bank credit card?

How to Close Your RBL Bank Credit Card?

Here are the ways to cancel an RBL Bank credit card:

Email

You can cancel your RBL Bank credit card by sending an email. You must include specific details in the email to verify your identity and process the request. These details should be:

• Name: Your full name is registered with the bank.
• Credit Card Number: The number on your credit card.
• Expiry Date: The card’s expiration date is shown on the front.
• Date of Birth: Your date of birth for additional verification.

You must send the email to the appropriate address based on the type of card:

• For SuperCard: Use the email address supercardservice@rblbank.com.
• For other RBL credit cards: Use cardservices@rblbank.com.

Customer Care

Another way to cancel your RBL Bank credit card is to contact the customer care helpline. You can call the customer service numbers to get a guide on how to close RBL credit card accounts. During the process, you will be asked to verify your identity with details like your name, credit card number, and other relevant information. If you want to initiate an RBL bank credit card block, ensure that you call the customer service helpline using your registered mobile number.

Visit the Branch

You can also cancel your RBL credit card by visiting the nearest RBL Bank branch. At the branch, you must fill out a form or submit a written application to request the cancellation. Here’s what you should do:

• Provide Identity Proof: Bring an ID document like a passport, driving licence, or Aadhaar card to verify your identity.
• Submit the Card: Hand over the RBL credit card you wish to cancel. Before submitting it, cut the card diagonally across the magnetic strip to make it ineffective.
• After completing these steps, your request will be processed, and the card will be closed.

If you’re looking for other ways to block your RBL bank credit card, calling customer service or using the online portal are alternative options. This helps if you want to know how to cancel your RBL credit card securely.

Note: Once the cancellation is done, remember to destroy the card by cutting it diagonally. This ensures that no one else can use or misuse the card.

The Impact of RBL Bank Credit Card Closing on Credit Score

Closing an RBL credit card can impact your credit score; here’s how it may influence your overall financial health:

• Shorter Credit History: When you close a credit card, the length of your credit history might be reduced. A longer credit history usually helps improve your credit score.
• Credit Utilisation Ratio: Closing a credit card reduces your overall credit limit. This can increase your credit utilisation ratio (the percentage of your available credit that you’re using), which may lower your credit score. It’s best to keep this ratio below 30%.
• Credit Mix Impact: Having different types of credit, like credit cards and loans, helps improve your credit score. Cancelling a credit card reduces this mix, which might lower your score.
• Reduction in Accounts: Closing an active account means fewer accounts contribute positively to your credit history, which could negatively impact your score.

Wrapping Up: RBL Credit Card Cancellation

How to cancel an RBL Bank credit card account is now simple if you follow the right steps. Ensure all dues are cleared, and reward points are redeemed before moving forward. Remember how closing the card might affect your credit score and overall credit history. Choose the right method for cancellation—whether by email, customer care, or a branch visit—to complete the process smoothly. Taking precautions ensures you can handle the RBL bank credit card block without unnecessary issues.