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

    Ratnakar Bank Limited is one of the leading commercial banks in India. RBL Credit Cards are exclusively designed to meet the needs of their cardholders. While some credit cards are designed for frequent shoppers, others are designed for business travellers and those who dine outside on a regular basis. This way, the bank caters to the needs of various segments of the society.

    Every credit card provider sends a credit card statement at the end of every billing cycle to their cardholders. It is like a summary of your credit card details that are generated every month. This credit card statements contain important information about the usage of the card like the total due amount on the card, the minimum due amount, transaction details, and due date. At first, a credit card statement may look overwhelming but if you read through the details, it is self-explanatory.

    How to Understand Your RBL Bank Credit Card Statement

    Credit card statement period On the top of your RBL Bank credit card statement, you will be able to see the statement period. A statement period is very important as it indicates the interest-free days on your credit card. Usually, when you use your credit card, you will not be charged interest if you repay the entire due amount within a certain period of time. A statement period will help you calculate the interest-free days within which you can make the payment and pay nothing additional.
    Due date Again, on the top corner of your RBL Bank credit card statement, you will be able to see the due date. This is the date by which you will have to pay either the total due amount or the minimum due amount. If there is a delay in making payments, late fees may be charged and your credit score will be affected negatively.
    The total due amount and minimum due amount On the top corner of your credit card statement, you will be able to see the total due amount and the minimum due amount. The total due amount is the total outstanding amount that is due on your credit card. However, the minimum due amount is the minimum amount you will be required to pay to avoid late fees, deactivation of your card, and negative credit score reporting.
    Charges This section of the credit card statement lists the total charges that have been levied on your card. It is recommended to be attentive when reading this section of your statement as it will help you verify the legitimacy of the transactions that are listed on your card.
    Debit and credit transactions In your RBL Bank credit card statement, you will be able to see all the debit and credit transactions of your card. The debit transactions indicate the payments you made using your credit card and the credit transactions indicates the refunds you received. If you are waiting for a refund, you will be able to check is it was successfully processed in this section. However, refunds usually take time to process. If it is not listed in your current credit card statement, it may appear in your next statement.

    How to Check RBL Bank Credit Card Statement Online

    Check RBL Bank Credit Card Statement via Net Banking

    • Step 1: Go to https://www.rblbank.com/
    • Step 2: Log into your account
    • Step 3: Go to ‘Credit Cards’
    • Step 4: Click on ‘Statement’ and enter the period for which you want to check the statement.

    How to Check RBL Bank Credit Card Statement Offline

    Check RBL Bank Credit Card Statement via Post

    You can write and post a letter to any RBL Bank branch requesting them to send you a hard copy or mail of your credit card statement.

    Check RBL Bank Credit Card Statement via Customer Care

    You can call 022 6115 6300 and ask for your RBL Bank credit card statement.

    Check RBL Bank Credit Card Statement by Visiting the Branch

    You can visit any RBL Bank branch and request for your credit card statement.

    Features and Benefits of RBL Bank Credit Card Statement

    • If you are unable to pay the total outstanding balance within the due date, finance charges will be levied. A credit card statement will help you understand how finance charges are calculated. It is very important to know the total interest you are paying on your credit card bills as it has the potential to push you into a debt trap. If you notice that you are paying a lot towards interest, you can focus on clearing your total outstanding balance as quickly as possible.
    • The credit card providers in India send a consolidated credit card statement to every cardholder for free every month. You do not have to pay an additional fee to avail this service.
    • You can choose to get your statements via post or to your e-mail ID. Alternatively, you can also download your statements using your RBL netbanking account. You can save these statements for future reference.
    • Like mentioned earlier, a credit card statement will help you understand your spending habits and manage your personal finances better. Budgeting your expenses will help you stay financially sound in the long run. Understanding your credit card statements, especially your spending habits and trimming it if need be will help you budget better.
    • Though credit card companies send multiple notifications via SMS and e-mail reminding you of the due date, a credit card statement will also help you remember your due date and pay your credit card bills promptly.

    How to Manage Errors in a Credit Card Statement

    • Inform the merchant: Cardholders can talk to the merchant and inform them about the discrepancy that has been spotted in the statement. The merchant might rectify the mistake. That way, the cardholder will not need to involve the credit card issuing bank. In case this doesn't happen, the cardholder can take their complaint to the bank.
    • Keep your paperwork ready and updated: To support their claim against the erroneous transaction, the cardholder will need to keep a record of the credit card statement, receipts, and anything else that can help them prove that the transaction mentioned is incorrect.
    • Within 2 months of receiving the bill, the cardholder can send a letter outlining their objection and copies of their proof in an envelope addressed to their creditor's department for billing-related inquiries.

    FAQs on RBL Bank Credit Card Statement

    1. How can I pay my RBL Bank credit card bill?

      If you are an existing RBL Bank account holder, you can log into the netbanking account and make your credit card payment. You can also transfer funds via National Electronic Funds Transfer (NEFT).

    2. How do I register my RBL Bank credit card on my netbanking account?

      Visit https://www.rblbank.com/ and log into the portal. Select ‘Register Using Credit Card’ and enter your full credit card number, expiry date, and date of birth. Once you accept the terms and conditions and choose ‘Register Online’, you will get an OTP. Enter the OTP in the space provided to complete the registration process successfully.

    3. Am I allowed to transfer funds to a beneficiary’s credit card?

      No, you cannot transfer funds to another credit card.

    4. How do I get in touch with RBL Bank credit card department?
      • RBL Bank has a “Chat” feature on their official website. You can chat with an RBL customer care executive to get your queries answered immediately.
      • If you have an RBL netbanking account, you can choose “Click to Call” option and one of the bank executives to get in touch with you and answer your queries.
      • Alternatively, you can dial 1800 123 8040 and talk to an executive via phone.
      • You can visit your nearest RBL branch office anytime and one of the bank executives will help you.
      • You can also write an e-mail to cardservices@rblbank.com.

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