How to close RBL credit card?

The process is simple. But a few checks are important before raising the request.

Closing a credit card affects rewards and sometimes credit score.

Better to plan it properly.

Step 1: Clear All Outstanding Dues

Before requesting closure, make sure:

• Total outstanding balance is fully paid
• No EMI conversions are active
• No pending transactions are unsettled
• No dispute cases are open

Even a small unpaid amount can delay closure.

Zero balance is mandatory.

Step 2: Redeem Reward Points

Credit cards issued by RBL Bank usually cancel unused reward points once the card is closed.

Before proceeding:

• Check reward balance
• Redeem available points
• Use cashback or vouchers

After closure, reward points are generally forfeited.

No recovery later.

Step 3: Remove Auto-Debits and Subscriptions

If the card is linked to:

• OTT subscriptions
• Utility bills
• Insurance payments
• EMI auto-pay

Update the payment method first.

After closure, recurring payments will fail.

That may cause service disruption or penalties.

Step 4: Raise Closure Request

There are multiple ways to close an RBL credit card.

1. Through Customer Care

This is the most common method.

Steps usually include:

• Call RBL credit card customer care
• Verify personal details
• Confirm zero outstanding
• Request card closure

Ask for a service request number.

Keep it safely.

2. Through Email Request

Some customers choose to send a written request through registered email.

Email should include:

• Full name
• Registered mobile number
• Last four digits of card
• Clear request for closure

Bank may respond with confirmation or further instructions.

3. Through Written Letter

If required:

• Submit a signed closure request letter
• Provide identity proof
• Send to RBL Bank’s credit card department

Processing may take a few days.

What Happens After Closure?

Once processed:

• Card becomes permanently inactive
• Transactions are blocked
• Final statement may be generated

The physical card should be cut across chip and magnetic strip before disposal.

Security remains important.

Does Closing RBL Credit Card Affect Credit Score?

It can.

Closing a credit card may:

• Reduce total available credit
• Increase credit utilisation ratio
• Slightly impact credit score

Closing an older card with high limit may affect more.

Score generally stabilizes if other accounts remain healthy.

When Closing Makes Sense

Closing may be reasonable if:

• Annual fee is not justified
• Card is rarely used
• Multiple cards create confusion
• Spending habits have changed

Simplifying finances can reduce stress.

When to Think Twice

Pause before closing if:

• The card is one of the oldest accounts
• It has a high credit limit
• Credit score is still improving

Length of credit history matters.

Keeping an old card active with minimal usage may help profile.

How Long Does Closure Take?

Typical processing time:

• 5–10 working days

If pending transactions exist, it may take longer.

Always wait for written confirmation.

Can Closed RBL Card Be Reopened?

Usually no.

Once closed, the account cannot be reactivated.

A fresh application is required.

Approval depends on current credit profile.

Quick Checklist Before Closing

Before final decision, check:

• Balance fully cleared
• Reward points redeemed
• Auto-debits removed
• Credit score impact understood

Planning avoids regret.

FAQ

Is zero balance required before closure?

Yes, full payment is mandatory.

Can RBL credit card be closed online?

Usually through customer care or email request.

Will closing affect credit history?

It may slightly impact utilisation ratio.