How to Close RBL Credit Card – Step-by-Step Closure Guide

Key insights

• RBL Bank requires that all outstanding debts be paid before closing the RBL credit card. 
   
• You can close your card by written request, email, or customer service (022-6232-7777). 
   
• It takes seven working days to receive the official closure confirmation after verification.
   
• RBL blocks it permanently and notifies CIBIL of the closure within 30 days after your card account is closed.

Your card account is permanently closed when you close your RBL credit card, guaranteeing that there will be no further charges or interest. 

For example, if you decide to no longer use your RBL Platinum Maxima Card, you must formally close it with a ₹75,000 credit limit. This will help you avoid annual fees or having your credit score impacted.

This blog explains the safe ways to close an RBL credit card. It also tells you the steps to follow after closing it.

What are the steps to close rbl credit card?

The first thing you must do before closing your RBL credit card is to clear all outstanding dues. Treat this as a mandatory step before choosing any closure method. 

Clear outstanding dues 

My colleague was able to avoid paying an additional ₹590 in interest by paying her dues one day before the closure. 

• Make sure your current statement balance is equal to zero before starting the closure process. 
   
• You can check this through the RBL Net Banking portal or the RBL MyCard app. 
   
• Your closure request will be delayed or canceled if you don't pay. 

You will feel secure and prepared to proceed without worrying about unplanned fees or interest after your dues show ₹0.

1. Connect RBL Customer Care

You can contact RBL customer service because she didn't want to deal with emails or letters, and her closure request was successfully logged in three minutes. 

• Dial 022-6232-7777.
   
•  Request an acknowledgment number and the cancellation of your card. 
   
• Keep your card's last four numbers and registered mobile number with you. 

You too can save time and paperwork by placing a single, confirmed call to RBL's support staff.

1. Send a written request/letter

Writing a closure letter to RBL Bank provides you with reliable documentation if you want a formal and written procedure. 
 

1. Write a closure letter requesting the cancellation of your credit card and include your name, card number, date of birth, and a clear statement that you want to close the account. 
    
2. Prepare your identity proof and keep your credit card ready. 
    
3. Cut the card diagonally across the magnetic strip and chip so it cannot be used. 
    
4. Visit your nearest RBL Bank branch and submit the letter, your ID proof, and the cut card to the bank staff. 
    
5. Wait for the bank to process your request and send you a confirmation that your card has been closed.
    

Sending a letter guarantees that you have evident documentation for future clarification or disagreement. This method may take a few days.

2. Through netbanking/Mobile App

By using RBL Net Banking to close her card in just two minutes rather than going to a branch, my friend was able to save her entire weekend. 

• Go to “Service Requests” and then “Card Closure” in the RBL MyCard App. 
   
• Verify identity using an OTP sent to the registered mobile number. 
   
• You will receive an email or SMS confirming it after the request is approved. 

You can close your RBL Credit Card without leaving your house by simply logging in, following the instructions, and receiving immediate confirmation.

What happens after RBL credit card closure 

RBL carefully handles the back-end procedures to guarantee that your account is completely deactivated after processing your closure request. 

• The card cannot be reactivated and is permanently blocked. 
   
• All EMI plans and auto-debits have been canceled. 
   
• The CIBIL report is updated to reflect the status of "Closed by Consumer" within 30 days.

Your CIBIL report will soon be updated to reflect the closure of your RBL credit card.

Bonus Tip: You can visit the official TransUnion CIBIL website to view your CIBIL report for free once a year. 

Precautions before closing the RBL Credit card

There are some important verifications to do before closing the RBL Credit Card: 

• Use up any leftover reward points. They are typically worth ₹0.25. 
   
• Download the most recent statements to maintain records. 
   
• Close all associated payments, including AutoPay, EMIs, and OTT. 
   
• Make sure your credit utilisation ratio won't increase following the closure.

Following these few guidelines will help you close your card sensibly without compromising your credit or reducing your benefits.

Conclusion 

People face a lot of issues over minor amounts owed on cards they believe to be closed. 

You are now aware of all the safe online and offline methods for terminating your RBL credit card. You will save time, money, and avoid unnecessary credit problems if you use these strategies.

FAQs on closing the RBL Credit Card

Q1. Can I close my RBL credit card if I have unused reward points?

Yes, but it is better to redeem all remaining reward points before requesting closure.

Q2. Can I close my RBL credit card if my card is lost or stolen?

Yes, first block the card through customer care, then request complete closure of the account.

Q3. Do I need to clear my full outstanding balance before closing my RBL credit card?

Yes, RBL will not accept a closure request unless your total dues are fully paid.

Q4. Will my add-on credit cards also get closed automatically?

Yes, when the primary card is closed, all linked add-on cards are automatically closed.

Q5. How do I get my RBL credit card NOC letter?

You can email RBL support at cardservices@rblbank.com to ask for a No Objection Certificate (NOC) after confirmation of the closure. 

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.