How to cancel RBL credit card?

An RBL credit card can be cancelled by raising a request through customer care, mobile banking, NetBanking, or by visiting a branch.

Cancelling a credit card means the account is permanently closed.

Once cancelled, the card cannot be used again.

Cards issued by RBL Bank can be cancelled through a few simple methods.

Let’s go step by step.

Things to Check Before Cancelling the Card

Before placing the request, a few things need attention.

Important checks:

• All outstanding dues must be cleared
• No active EMI should remain
• Reward points should be redeemed
• Subscriptions linked to the card should be removed

Once the card is cancelled, unused points may be lost.

Method 1: Cancel Through Customer Care

One of the quickest ways.

Steps usually include:

1. Call RBL credit card customer care
2. Request credit card cancellation
3. Provide identity verification details
4. Confirm the request

The bank processes the request after verification.

Method 2: Cancel Through Mobile Banking App

If using the bank app, the process is simple.

Steps include:

1. Open RBL mobile banking app
2. Log in
3. Go to Credit Cards section
4. Select the card
5. Choose Close / Cancel Card
6. Submit request

The bank reviews the request before closure.

Method 3: Cancel Through NetBanking

Another online option.

Steps include:

1. Log in to RBL NetBanking
2. Go to Credit Cards
3. Select the card
4. Choose Cancel Credit Card
5. Submit the request

Processing happens after verification.

Method 4: Visit a Bank Branch

If needed, cancellation can be done offline.

Steps include:

• Visit nearest RBL Bank branch
• Fill out cancellation form
• Submit ID proof if required

The request is processed by the bank.

What Happens After Cancelling the Credit Card

Once cancelled:

• The card cannot be used
• The credit limit linked to it is removed
• The account becomes inactive

A confirmation message is usually sent.

Impact on Credit Score

Cancelling a credit card may affect the credit score slightly.

Possible effects:

• Reduced total credit limit
• Higher credit utilization ratio

If the card has a long history, closing it may impact the score.

Tips Before Cancelling the Card

Before making the decision, a quick check helps.

Helpful considerations:

• Is the card still useful for rewards
• Does it have high annual fees
• Is it being actively used

Sometimes keeping the card may be better.

FAQ

Can RBL credit card be cancelled online?

Yes, through mobile banking or NetBanking.

How long does cancellation take?

Usually a few working days after verification.

Is it necessary to clear dues first?

Yes, the card must have zero outstanding balance.