RBL Credit Card Customer Care: Complaint Number, Email and Grievance Redressal Steps (2026)
News
by
Wisor
A charge on your RBL credit card you don't recognise. A refund stuck in limbo, reward points that never credited, or a fee you were told would be waived. You've called RBL customer care, and you're still waiting.
RBL Bank has a four-level grievance process, with a dedicated escalation email just for credit cards. Here's how to raise an RBL credit card complaint and escalate it, step by step.
RBL credit card customer care: quick contacts
What you need | Contact |
|---|---|
RBL customer care (banking and credit cards) | 022 6232 7777 |
RBL credit card complaint email ID | cardservices@rbl.bank.in |
General complaints email | customercare@rbl.bank.in |
Report fraud | reportfraud@rbl.bank.in, or "Report a Fraud" on RBL's website |
Say "Hi RBL" on +91 84335 98888 | |
Online complaint | RBL's "Raise a Query / Request / Complaint" web form, internet banking, the MyBank app or the RBL Cares chatbot |
Level 2: Head – Credit Card Services | headcardservice@rbl.bank.in |
Level 3: Principal Nodal Officer | principalnodalofficer@rbl.bank.in or 022 7143 2700 |
All of these are from RBL Bank's grievance mechanism page and its grievance redressal process. For card fraud, also report it on the National Cyber Crime Helpline, 1930.
How to raise an RBL credit card complaint: step by step
Step 1 (Level 1): Register your complaint
Call: 022 6232 7777 (banking and credit cards)
Email: cardservices@rbl.bank.in for credit cards, or customercare@rbl.bank.in
Online: the "Raise a Query / Request / Complaint" web form on RBL's website, internet banking (Requests → Raise a Query / Request / Complaint), the MyBank app or the RBL Cares chatbot
WhatsApp: "Hi RBL" to +91 84335 98888
Branch: any RBL Bank branch
RBL acknowledges every complaint with a Service Reference (SR) number by SMS or email. Keep it; you'll need it to escalate.
Step 2 (Level 2): Escalate to the Head – Credit Card Services
If your issue isn't resolved, is delayed, or you're not satisfied, escalate using your previous complaint number. RBL's grievance process says to escalate if you haven't had a response within 10 calendar days.
For credit cards, Level 2 is the Head – Credit Card Services:
Email: headcardservice@rbl.bank.in
(For banking complaints, Level 2 is the Regional Nodal Officer at regionalnodalofficer@rbl.bank.in.)
Step 3 (Level 3): Escalate to the Principal Nodal Officer
If the issue persists, escalate to RBL's Principal Nodal Officer:
Email: principalnodalofficer@rbl.bank.in
Phone: 022 7143 2700
Post: Principal Nodal Officer, RBL Bank Ltd., One World Centre, Tower 2B, 9th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai – 400013
Quote every earlier SR number and attach RBL's replies.
If RBL decides to reject your complaint fully or partly, RBI rules require its Internal Ombudsman to review it before the final reply. That happens inside the bank; you don't need to apply for it.
Step 4 (Level 4): Go to the RBI Ombudsman
If RBL hasn't resolved your complaint within 30 days, or you're not satisfied with its final reply:
Online: cms.rbi.org.in, where you can also track your complaint
Email: crpc@rbi.org.in
Help line (not for filing): 14448
Post: Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017
You must file within 90 days of the bank's timeline expiring or its last reply, whichever is later. It's free, and you don't need a lawyer or an agent.
What changed with the RBI Ombudsman in July 2026
The Reserve Bank – Integrated Ombudsman Scheme, 2026 replaced the 2021 scheme from 1 July 2026:
2021 scheme | 2026 scheme | |
|---|---|---|
Deadline to go to the Ombudsman | Within a year | Within 90 days of the bank's timeline expiring or its last reply, whichever is later |
Compensation for consequential loss | Up to ₹20 lakh | Up to ₹30 lakh |
Compensation for time, expenses and harassment | Up to ₹1 lakh | Up to ₹3 lakh |
Your rights on common RBL credit card complaints
Problem | What the RBI rules say |
|---|---|
Card not closed after you asked | The bank must close it within 7 working days of your request (once dues are cleared), or pay you ₹500 a day until it's closed |
Unauthorised transaction | Report it within 3 working days of the alert and your liability is zero |
Card charged but merchant not paid | POS and online card payments must be reversed within T+5 days, or the bank pays ₹100 for every day of delay |
Changes to charges | The bank must tell you at least 30 days before a change in charges takes effect |
How to write an RBL complaint that gets resolved
Your name, registered mobile number and email
The last 4 digits of your RBL credit card
Your SR number(s), with copies of RBL's replies
Transaction date, amount and reference number
What went wrong, and the exact fix you want ("reverse the ₹500 annual fee charged on 3 September", not "fix my bill")
Statements, SMS alerts and screenshots as proof
FAQs
What is the RBL credit card customer care number?
022 6232 7777, which RBL lists for both banking and credit cards.
What is the RBL credit card complaint email ID?
cardservices@rbl.bank.in. To escalate, email the Head – Credit Card Services at headcardservice@rbl.bank.in, then the Principal Nodal Officer at principalnodalofficer@rbl.bank.in.
Does RBL Bank have a WhatsApp number?
Yes. Say "Hi RBL" on WhatsApp to +91 84335 98888.
What is the email ID of RBL's Principal Nodal Officer?
principalnodalofficer@rbl.bank.in. You can also call 022 7143 2700.
How long should I wait before escalating an RBL complaint?
RBL's grievance process says to escalate to the next level if you haven't received a response within 10 calendar days.
How do I report fraud on my RBL credit card?
Email reportfraud@rbl.bank.in or use "Report a Fraud" on RBL's website, call 022 6232 7777, and also report it on the National Cyber Crime Helpline, 1930.
How long do I have to go to the RBI Ombudsman?
Within 90 days from when RBL's response timeline expires or from its last reply, whichever is later.
