Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card Customer Care

    The idea of providing a dedicated helpline for credit cards itself shows the kind of importance being given to the financial product which is being offered by most of the banks and other financial institutions in India.

    The increase in number of credit card users proportionally increases the number of queries related to credit card. Hence, most of the top banks, in a view to provide better customer service for their credit card customers, started offering a dedicated helpline to resolve all the queries and concerns related to the product. Some banks have a separate division to deal with credit cards hence would provide a devoted customer service helpline for credit cards.

    Credit Card Customer Care Details

    A list of bank specific credit card customer care pages that contain details of credit card customer care helplines numbers, toll free numbers, e-mail addresses, grievance redressal process and other details are provided below. The pages would help you know about multiple customer service channels offered by each bank.

    Credit Card Customer Service Channels

    Customer service has become a primary focus area for banks. As part of their efforts to provide consistent customer experience, they are providing more than a couple of channels to address customer concerns and grievances. Discussed below are different types of customer service channels offered by the banks to resolve all the queries and concerns related to credit cards.

    Toll Free Credit Card Customer Care Helpline

    The primary service helpline provided by most of the banks is a toll free number to resolve credit card related queries. While some banks offer a separate toll-free helpline number for each state or major city, other banks will have a common number for all the customers across the country. An easy way to identify a toll free number is that it starts with 1800. All other numbers that start with 18 are not toll free.

    A few banks offer the toll free service only for some telecom users only. If you find ‘For BSNL/MTNL telecom users’ under the number, you may have to call from MTNL/BSNL landline or mobile number to get the free call benefit. The toll free credit card customer service numbers, in most cases, are available 24x7 to make it accessible for the customers all the time.

    Credit card customers can call the toll free numbers for all general queries including to check credit card balance, payment due amount, available credit limit and cash limit, last transaction details, to raise PIN change requests and the like. While most of the common queries will be answered by the interactive voice response service (IVRS), queries which require human interaction would be diverted to the customer care agents.

    Dedicated Credit Card Customer Care Number

    Some banks provide a dedicated customer service helpline to resolve all kind of credit card related queries and concerns. The IVRS for dedicated helplines is more specific and includes only credit card related requests and services. Credit cardholders can find the helpline number on their credit cards, credit card statements, and in bank websites. The number may or may not be toll free. For banks with dedicated credit card customer care helplines, it is recommended for the credit cardholders to use the helpline instead of the generic customer care number for all their credit card specific queries and concerns.

    Credit Card Customer Care E-mail Address

    There are a few credit card requests which should be raised in e-writing or there are a few cardholders who would like to put their concern in writing. In such cases, credit cardholders can use the customer service e-mail provided by the banks to raise their queries/concerns or requests. Some banks offer a common e-mail address for all the customer queries, while most banks offer a dedicated e-mail address for credit card specific concerns. The customer care e-mail address specific for credit care are more impactful than the generic ones.

    While raising requests through e-mail, make sure to send the e-mail from your registered e-mail address or the e-mail address included in the bank records. Banks are more likely to respond to mails from a registered e-mail address compared to the non-registered ones. Further, make sure to include your credit card details such as the credit card number, your name and address to make it easy for the bank to identify and authenticate the details.

    Credit Card Customer Care Postal Address

    Banks also allow credit card customers to raise their requests and concerns in writing. They either provide the communication address of a common customer care cell or a credit card specific customer care office. Credit cardholders can send their requests/concerns to the common address in case credit card specific customer service division is not available.

    While sending a written request make sure to includes all your identification details such as name, mobile number, address, and credit card details including credit card number, customer ID, if any, type of card, etc. However, don’t disclose credit card CVV, PIN, expiry date and other sensitive details in any form of communication, even when sending requests to the bank. The banks require only your credit card number to access your details.

    Compared to a phone call and an e-mail, requests raised through post may take a little while. Hence, be patient through the process.

    Credit Card Customer Service Cell Address

    Of late banks are setting up customer service cells, mostly at their headquarters, to enable customers have a direct interaction with the bank officials. Credit cardholders can walk-in to the centres during business hours and report their queries or concerns in person. The address and details of the contact person are typically provided in the bank’s website.

    Online Complaint / Feedback Forms

    Another online method offered by the banks to raise complaints or concerns in the through the complaint form available online. Most of the times the complaint form is common for all the products and can be used to raise requests or complaints related to credit cards as well. Customers who wish to raise requests through the form, just need to fill all the required details and submit it. After submitting the request, the system will generate an acknowledgement number or complaint registration number which should be retained for future enquiries.

    Some banks provide different online forms for complaints and feedback/suggestions. Hence, make sure to pick up the right form based on the request type.

    Grievance Redressal For Credit Cards

    The Reserve Bank of India (RBI) made it mandatory for all the banks to have a grievance redressal policy in place to define the whos, whats and wheres of handling grievances against various products and services offered by the banks. Accordingly, every bank has a grievance redressal mechanism in place, which defines how the grievances should be escalated, the concerned officers at bank level, redressal mechanism and all other things related to handling customer complaints. Most banks have made their grievance redressal policies accessible on the bank’s website so that customers can go through it and use it whenever necessary.

    Essentially the grievance redressal system defines the ways to escalate any issue or concern related to a banks product or service. The escalation matrix includes branch managers, regional officers, nodal officer, principal nodal officers, banking ombudsman and other higher officials who are specially appointed to resolve grievances. The policy provides contact details and various channels to escalate the issue hence provides multiple ways for the customer to seek proper resolution.

    All Bank Credit Card Customer Care Details:

    Browse bank wise customer care details for credit card support in India.

      

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    Credit Card Customer Care Reviews

    • IndusInd Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Recently applied for INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD, they have not charged me annual fee, the credit limit which they have given to me was good, there was no specific reason behind choosing this card, the card came on time, the process of getting credit card was good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      ICICI gives good support to the customer, but the charges are bit higher for the late payment. The credit limit is very sufficient, I am using this card around 1.5 year. Whenever I use my card they are providing the points for fuel purpose its good.
      Was this review helpful? 0
      , virudhunagar
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Since registered member of Bank bazaar i was aware about this website .Need to aware of the current situation from bank end .whether customer is applying for any product communication should be transparent and should not miss guide anything beyond the process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the CITI BANK where they have given the good offers also the customer service good with this bank as they are responsive and the card service is good without any hassle process. There is a EMI option with this card.
      Was this review helpful? 1
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold ICICI bank credit card from long time, they have not charged me annual fee, i am happy with the credit limit which they have given to me good credit limit, i am happy with their service, they use give good offers in shopping, movie tickets etc.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Not Satisfied with the Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Indusind Bank Credit card .The agent gave the required details and not faced any issue.This is a free card but after that paid the charge of Rs.900. This was not informed earlier .The Bank agent not gave the relevant details about the charges.I was not satisfied with the service provided by the bank .Other than that it was ok.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • YES Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The process of getting the YES BANK credit card is simple and easy also the card has the good credit limit along with that it is hassle free to use. It has the offers like rewards points, cash backs, online purchase. The card is good card to use.
      Was this review helpful? 1
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the credit card with the ICICI BANK and the card limit is good i have been using the card since from last few years and the documentation process was simple with fast to get the credit card. There was satisfactory offers with this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I took Standard chartered bank credit card, They have not been charging me annual fee, the credit limit which they have given to me was good, they have given me limit on based on my expectation, their mobile application is user friendly , so far experience was good with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I use Kotak mahindra bank credit card from long time, They have been charging me annual fee but waiver option is available , i am happy with the credit limit which they have given to me, they use to give good offers in airport lounge, their service was prompt, my experience with this card was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the credit card with the SBI CARD the credit limit with this card is satisfactory also the card is user friendly to access. I am getting the offers but i am using it also the card has the EMI conversion option it is easy to convert the payment.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      HSBC credit card service is good, they use to give give good offers, like based on my requirement i take offers whenever i get, they have not charged me annual fee, their customer care service is good , they response me well, they use to give good credit limit.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold HDFC bank credit card for an while, They haver given me good credit limit based on my requirement, they did not charged me annual fee, their service is good, they did not charged me any hidden charges, i can easily transfer into emi option whenever i want, their overall service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold CITI bank credit card from longtime, they have charged me annual fee , but waiver option is not available , the credit limit which they have given to me was good, they use to do good transaction, their offers are good, they use to give good cash back and discounts everytime.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 20, 2019
    • Axis Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold Axis bank credit card from long time, They have not charged me annual fee, the credit limit which they have given to me was good, but i am not happy with their service, their service is not that up to the mark, their customer care should be improved, there is no issue with card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I applied for Indusind bank credit card recently. The process of getting card was simple and easy, the card came on time, the reason behind choosing this card is for their offers they use to give good offers in movie tickets every 1+1 movie tickets every month they give. I am happy with the credit limit which they have given to me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this HDFC Bank Credit Card for the past 4 years.The credit limit was good and i have directly applied with the bank.There was good cashback offers and reward points .There was no difficulties faced so far .I have received the credit card on time .The service is good to me so far.
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 20, 2019
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am also using Kotak credit card and got reward points and I donâ??t know how to redeem my points and this information is not provided on the mobile app too.The customer service is okay and even the branch response was prompt. I think, they do charge annual fee of Rs.500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "AVERAGE"
      0.5 4.0/5 "Great!"
      They have given the good offers so i have taken the credit card with the INDUSIND BANK. The documentation process was good but there was delay to get the card which is twenty days. The credit limit is good and satisfactory and it is a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have no issues with Bank Bazaar and its been a good experience. I have installed the mobile application to check the credit score then it is easy to apply the card according to the offers. I have been using it for long time. The executive explained the details very clearly about the product.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
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