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

    • SBI Cards Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for State Bank Of India Credit Card directly with the bank ,the credit limit was ok ,I am using it for the past 2 and a half years ,There was cashback offers and reward points .I dont have any extra features on this card so far .The agent gave all the required details of the card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • RBL Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for Ratnakar Bank Credit card through online ,the credit limit was 50, 000it was not sufficient .I ahve started using this credit card .I have received the credit card on time .The agent gave all details about the credit card .I have not faced any difficulties on submitting the documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have good experience with HDFC BANK . Their branch support services are always nice and ready to help anytime. Overall it was a good banking experience with them. I never had any issues with their services. They always provided me with immediate response.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • ICICI Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I've been using the ICICI BANK Credit card for a while.There is charges while getting the card . I do get more flexibile options. I can easily convert my purchases into EMI, there are some processing charges and they also charges a nominal interest. However the service is very useful I never had any problems with their service.s
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      I am so happy with a newly purchased HDFC credit card . They just taken ten days for dispatching the credit card to me . I am highly satisfied with the credit limit given by HDFC . Though It is not a life time free card and I am getting more offers from HDFC .
      Was this review helpful? 1
      , secunderabad
      Reviewed on Apr 22, 2019
    • SBI Cards Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I have been using STATE BANK OF INDIA Credit card . Customer support is also good. I am long time customer of SBI and never had any issues with their services. But now i close this card because i have to use only one card . There is annual fee at the time of getting the card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I hold HDFC BANK credit card , i close this card because it has very low credit limit . This card is very easy to handle . I am not happy with the services and credit limit is very low i was expecting more limit here . Offers are good , i am using this card for more than 1 year .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I came to know about Bank bazaar through online ,then tried checking credit score ,The credit score was not updated one so far that is the only suggestion .This website is easy to use .There was no issues faced so far on using this portal .This portal is doing a very good service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Best service"
      0.5 4.5/5 "Excellent!"
      Bank Bazaar a is a great platform to compare and choose various banking products. The whole application process was smooth and hassle free.The service is excellent and very easy there was no so much of documents . The website of bank bazaar is easy to navigate and is user friendly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • American Express Credit Card
      "IN some outlest i cannot swipe "
      0.5 4.5/5 "Excellent!"
      I bought the AMERICAN EXPRESS BANK credit card . I Haven't used much. I got the card with in few days. They are notifying their customer about the due dates and billing cycle. I'll have to wait and see how this card works out for me after usage. I cannot swipe every were .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2019
    • Citibank Credit Card
      "Good for fuel filling"
      0.5 4.5/5 "Excellent!"
      I purchased Indian oil credit card from CITI bank its good for the petrol filling and they are providing petrol surcharges and cash back. Its a chargeable card around Rs. 500 but if I make certain transaction of Rs. 30,000 they give waiver option. The due date is also convenient for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • IndusInd Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple and easy for getting the INDUSIND BANK credit card and it took 10 days to get the card. The credit limit is lesser than other card, it is a life time free card but i am not getting any offers with this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • RBL Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      RBL bank credit card best thing i found is that they use to give good offers in shopping, discount offers cash back are available whenever i use for shopping. They have been charging me annual fee, but waiver option is available, they use to give good service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am having the credit card with the SBI CARD where the credit limit with this card is good with no issues. The customer service is good and they have given with the payable card but there was option of wavier off available. They are providing with EMI option.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using Axis bank credit card, where i am very satisfied with credit limit which they have been giving to me, their customer service is good, they use to response me well, it is life time free credit card have been got from them, their offers are good, so far i did not face any issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the HDFC BANK where the card has the good credit limit added on that the customer service is good. There is a option available of EMI conversion where the payment can be converted and paid with hassle free. It is a payable but wavier option is there.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "USERFRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      It is the first time experience with the Bankbazaar.com and i have a good experience also i have been using through the website as the portal is convenient and user friendly to access. The customer service is good and responsive they explain the details of the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • Citibank Credit Card
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple and easy to get the card with the CITI BANK. It took may be 1 week to 15 days approx to get the card. The credit limit is good, it is a life time free card. I am using from last one month, i am getting rewards points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 22, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD recently i had applied, they have been not charging me annual fee, it is life time free credit limit, the best thing i like in them is that it is easily available in many outlets, and it is life time free credit card, the card came on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • Bank Bazaar Credit Card
      "Grateful to Bank bazaar service"
      0.5 4.5/5 "Excellent!"
      I am so thankful to the bank bazaar service . When I am looking for a new credit card , I applied immediately in Bank bazaar . They chosen me the correct credit card and given me a Rs 750 coupon also. This is something new for me . They are doing a great service on behalf of banking sector .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
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