Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    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.

    Credit Card Customer Care Reviews

    • ICICI Bank Credit Card
      "Good application but need improvement"
      0.5 3.5/5 "Pretty good"
      I don't have good experience with ICICI, anyway the I mobile app is easy to do fund transfer and other service and if I place the request for cheque book immediately processed it. However some time the service get hang , they need to develop on that part.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • SBI Cards Credit Card
      "Good for air port lounges"
      0.5 4.5/5 "Excellent!"
      The SBI card is good, I used to get air lounges in the air port and they issue good credit limit based on the customer profile, but they don't have any cash back. The customer support is also not good they need to improvement however card features is good and charges are nominal.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good card and best to use"
      0.5 5.0/5 "Blown Away!"
      I am very much happy with the HDFC service and am using the credit card for one year. It is Money Back visa credit card. They are providing cash back offers, it depends up on the transactions. I have converted the out standing payments into EMI and charges are reasonable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      The redemption of reward points are very less and the product they are offering for the points which was high. I am not able to purchase the product on those points. I have no issues with the customer support. The rate of interest is average. I need to spend a lot to accumulate the 10% discounts for shopping.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Offers are average"
      0.5 4.0/5 "Great!"
      I am not satisfied with the benefits and have been using the credit card for more than 10 years. The credit limit is good. The charges are more for the credit card. I am able to manage the account online. I can do the payment into their app and net banking. I have taken flexi pay and charges are high since I don't use.
      Was this review helpful? 1
      , mohali
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Okay"
      0.5 3.5/5 "Pretty good"
      HDFC credit card is good in between some of the period I did not use the card much. I cannot convert the payment into EMI and it does not have that option. The service wise they are good and no issues. Its a zero fee card, reward points are there other than there was no much offers.
      Was this review helpful? 1
      , hosur
      Reviewed on Jan 14, 2019
    • SBI Cards Credit Card
      "Best card"
      0.5 4.5/5 "Excellent!"
      SBI is doing good service and the offers. It has Flexi pay option and reward points can be redeemed easily. Am much satisfied with SBI and using it for 3 years. Annual charge will be waived off If I use to certain limit. The credit limit was enough to me.
      Was this review helpful? 1
      , hosur
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Can do Better"
      0.5 3.0/5 "Satisfactory"
      In ICICI bank, they were already collecting the interest rate for swiping the card, again in the bill they were adding one more charges its not upto the mark. Its a normal card with other benefits but still I think it has the annual fee around Rs. 500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good service and need to reduce the interest "
      0.5 4.0/5 "Great!"
      The charges are very high on HDFC credit card which is around 10 to 11% some cases its 12%. I am using the card for 5 to 6 years and after 2 years they have enhanced the credit limit. They are charging annual fee and I don't know the figure. The online service is good and am not satisfied with the customer center, only Chennai office is doing good response.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • Punjab National Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      There was no issues on the credit card experience. The customer service was very fine. I have been using Punjab National Bank card for around 10 years. I use it only for shopping and there was no offers, its just a basic card. I can covert the payment into EMI and the charges are minimal which is 3%.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Dissatisfactory Experience"
      0.5 1.0/5 "Really Bad"
      My HDFC credit card experience is not upto the mark, I have activated the auto debit option. My due date falls on 24 of every month, but one day my salary credited got delayed on that same days. Hence they charged Rs. 500, however within few hours my salary got credited in my account but still they didn't give waiver. I am using this account for past 4 to 5 years its good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • HSBC Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I do have a HSBC credit card and they are great in service and the offers. But the accessibility is bit less but still online banking and the customer service support is good. The credit limit was good amount. It is a life time free credit card. I am having HSBC Gold card and its almost 10 years.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Need to improve"
      0.5 4.0/5 "Great!"
      I am having Coral card and using it almost 5 years, Still am not sure about the benefits. It was fine for the basic purpose. The credit limit needs to be better. There is no annual fee. I have contacted the helpline number and it takes bit longer to connect with the representative. There is no hidden charges so far.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      I do have a credit card with HDFC Bank and its been 3 years now. I am happy with the offers and the credit limit. The customer service is very good. There is no hidden charges. The late payments are also nominal and I can convert the payments into EMI. Most I like it on the card is I can convert the reward points into cash.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 14, 2019
    • Bank of Baroda Credit Card
      "Reminder alert should be implement"
      0.5 3.5/5 "Pretty good"
      For the minimum amount due the interest rate is good around 14% in Bank of Baroda credit card, the customer service is good. But there was no message or calls from the bank end about the billing details. My due date 20 days, because of non reminder I just missed my payment. However the credit limit is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 14, 2019
    • IndusInd Bank Credit Card
      "Need lots of improvement"
      0.5 2.0/5 "Expected more"
      I closed the Indusind credit card because the transactions and other charges are very high. The customer service is average for the minimum balance due they have high interest rate around 44% its not fine for me. Therefore I closed my credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 3.5/5 "Pretty good"
      I hold a HDFC credit card and i have just started using it. I have got a good limit on my card. Its a free life time card with no annual charges. I am getting offer related messages and i am yet to experience the offers. Hope HDFC will serve better..
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 13, 2019
    • Bank Bazaar Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was the first time experience i had with the services of Bank Bazaar and they had been making a good follow up from starting after i had applied my credit card through them. I had been using the website of them which has been convenient and the process through them was quick.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since it was better card compared with the other cards. The process in getting this card has been simple and there has not been any delay in getting this card. The credit limit with this card was quite less than expected and there is some annual charges with this card which will get waved off as per the usage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Bank Bazaar Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It was a good experience i had with the services of Bank Bazaar where i had been using the services of them for a while. I had used their web portal which has been convenient and has been easy in using. Their customer support team had also been helpful and has been responsive as well.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
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