There are so many credit cards available in India, provided by distinct credit card issuers holding a variety of features and benefits. Amid all this, it can be quite confusing for an individual to choose a card option, in such a case outstanding customer service reputation or a good credit card customer care service may sometimes be the deciding factor between competing banks.
Banks seek to keep their present clients by providing best-in-class service, not merely to acquire new customers with their attractive offers and brand image. With few differences in terms of advantages and features, it’s often the bank’s Credit Card customer care services quality that convinces customers to choose a certain credit card.
Here’s everything you need to know about Credit card Customer Care services:
Types of Customer Care helplines:
Most of the time, there is a single customer care helpline number where all your questions can be answered in one place, but with recent developments in the research sector, the need for customer feedback and data is increasing for constant improvement. This phenomenon has given rise to helpline numbers dedicated to specific concerns, as discussed below:
- Complaint Helpline Number: In this category, the customer care executive will help you with your complaints or grievances regarding your credit cards. All banks have a functional grievance redressal procedure in place to handle any consumer complaints. They generally have the policy to solve their issues within 7-10 working days.
- Feedback: Oftentimes, there are certain suggestions and feedback a cardholder wishes to share with the bank or credit card issuing organization and that’s where the feedback desk comes into use. This is also beneficial if the company has introduced a new card range and wants to collect feedback about how it is working for cardholders.
- Loan Helpline Number: With a credit card there are many loan and credit-related inquiries, and for such questions, many banks have a separate loan helpline number addressing questions related to interest rates, bill payments, credit limits, etc.
- Others: There are many other specific types of customer care services available like Internet Banking Customer Care, Reward & Redemption helpline desk, NRI Help Desk, etc.
Also Read – How To Budget Better With Credit Cards
Offered services by Credit Card Customer Care:
The following services can be availed from Credit Card Customer Care in India:
- 24*7 SMS Support.
- Online chat is available via net banking and mobile banking.
- Customer service via email
- 24*7 Call Support facility
- Grievance redressal desks.
- Feedback collection.
- Credit-related assistance
- Lost card support, etc.
Toll-free Numbers for different Banks:
Below-mentioned is the toll-free helpline numbers of some of the most common credit card issuers in India:
| S. No. | Bank Name | Toll-Free Number |
| 1 | HDFC Credit Card Customer Care | 1860 267 6161 |
| 2 | SBI Credit Card Customer Care | 1800-11-2211 |
| 3 | Axis Bank Credit Card Customer Care | 1860 419 5555 |
| 4 | IndusInd Credit Card Customer Care | 1860 267 7777 |
| 5 | American Express Credit Card Customer Care | 1800 419 2122 |
| 6 | Citibank Credit Card Customer Care | 1860 210 2484 |
| 7 | Standard Chartered Credit Card Customer Care | 6601 4444 |
| 8 | Kotak Bank Credit Card Customer Care | 1860 266 2666 |
| 9 | Yes Bank Credit Card Customer Care | +91 22 4935 0000 |
| 10 | HSBC Credit Card Customer Care | 1860 108 7788 |
Additional Reading – Tips To Compare Credit Cards Wisely