Ye saari baatein ek hi jagah likhi hain — RBI ki Master Direction, poora naam "Reserve Bank of India (Commercial Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025". Ye RBI ki website pe muft padhne ko hai, English me. Link neeche "Kahan se liya" me hai.
Ek zaroori shart pehle: ye Directions commercial banks pe lagu hain. Paragraph 3 me RBI ne saaf likha hai ki isme Small Finance Banks, Payments Banks aur Local Area Banks shaamil nahi hain. Matlab AU Small Finance Bank jaise issuers ke cards ke liye RBI ke alag directions dekhne padenge. NBFC se jude co-branded arrangements ka bhi apna alag framework hai.
Card band karne me deri hui to ₹500 rozana
Ye is poori list ka sabse kaam ka niyam hai, aur sabse kam logon ko pata hai.
Paragraph 19 kehta hai: card band karne ki koi bhi request saat working days ke andar poori karni hogi, badi shart itni hai ki aapke saare dues chuke hue hon. Agar bank saat din me account band nahi karta, to use ₹500 har calendar day ke hisaab se aapko dena hoga, jab tak account band na ho — badi shart ye ki account me koi outstanding na ho.
Usi paragraph me ek aur baat hai. Bank ko closure request ke liye kai raste khule rakhne honge — helpline, ek alag email id, IVR, website pe saaf dikhne wali link, net banking, mobile app. Aur bank post se closure request bhejne pe zor nahi daal sakta. Koi bank kahe ki "letter bhejiye branch me", wo niyam ke khilaf hai.
Dues bache hue hain to bank ko turant batana hoga ki kitna baaki hai — billing cycle khatam hone ka intezaar nahi karwa sakta. Jitne din aapne dues chukane me lagaye, wo saat din ki ginti me nahi jodte.
Bina poochhe card bhej diya? Do guna penalty
Paragraph 11(4) sabse sakht bhasha me likha hai: bina maange card dena ya card upgrade karna "strictly prohibited" hai.
Agar bank ne bina aapki explicit manzoori ke card jaari kar diya ya upgrade kar diya, wo activate bhi ho gaya, aur aapko uska bill aa gaya — to bank ko sirf charges wapas nahi karne. Bank ko charges ke do guna penalty bhi deni hogi, bina kisi bahane ke. Uske upar aap RBI Ombudsman ke paas bhi jaa sakte hain, jahan aapke waqt, kharche aur pareshani ka alag muavza tay hota hai.
Isse juda ek aur niyam: agar card 30 din tak activate nahi hua, to bank use OTP wali manzoori ke bina chalu nahi kar sakta. Manzoori na mile to card account saat working days me, bina kisi kharche ke, band karna hoga. Aur ek baat jo credit score wale samajhte hain — paragraph 11(7) ke mutabik bank activation se pehle us naye card ki koi credit information CIC ko nahi bhej sakta.
Agar aapke ghar bina maange card aa jaaye: use activate mat kijiye. OTP mat dijiye. Kisi call pe "haan" mat boliye. RBI ka apna explanation yahi kehta hai — consent na milne par bank ko saat working days me account band karna hoga aur aapko batana hoga. Uske baad card kaat kar phenk dijiye.
Jo cheezein bank aapki marzi ke bina nahi kar sakta
Ye chaar baaten alag-alag paragraph me hain, par ek hi baat kehti hain — aapki manzoori maani hui nahi, likhit ya digital honi chahiye.
| Bank kya karna chahta hai | Niyam kya kehta hai | Paragraph |
|---|---|---|
| Credit limit badhana | Aapki explicit consent ke bina nahi. Limit ghatani ho to kam se kam aapko batana hoga. | 34 |
| Card upgrade karna | Ekatarfa nahi. Terms me koi bhi badlav ho to consent chahiye. | 34 |
| Limit se upar kharch karne dena | Pehle aapki manzoori. Bina manzoori ke na overlimit milega, na overlimit charge lag sakta hai. Interest aur fees ko limit ke istemal me nahi gina jaayega. | 12(5) |
| Fee ya charges badhana | Sirf aage ke liye, aur kam se kam ek mahine pehle notice dekar. Aapko badlav pasand na aaye to card bina kisi extra charge ke surrender kar sakte hain. | 23(7) |
Wo aakhri wali line dobara padhiye. Bank ne annual fee badha di aur aapko manzoor nahi — aap card chhod sakte hain, aur uske liye bank aapse kuch nahi le sakta. Dues chukane hi honge, bas.
Paisa jo aapka hai
Refund ka mamla aksar ulajhta hai, isliye RBI ne teen alag sooratein likhi hain.
Refund ya failed transaction ka paisa due date se pehle aaya aur aapne abhi bill nahi bhara — to bank ko wo paisa turant "payment due" me adjust karke aapko batana hoga. Aapko utna kam bharna padega (paragraph 30).
Aur agar bill aap pehle hi bhar chuke hain, refund baad me aaya? Tab bank us paise ko aapki credit limit me wapas dalne ke liye aapki manzoori maangega — SMS ya email se, saat din ke andar. Jawab na dein to bank ko wo paisa aapke bank account me bhejna hoga. Aur aap khud maang lein to teen working days me bank account me aana chahiye, chahe raqam kitni bhi ho (paragraph 31).
Do aur baatein isi silsile me. Bill galat aaya aur aapne aapatti jatayi — bank ko 30 din me safai deni hogi (paragraph 25). Aur jo transaction aapne "fraud" bata kar disputed kiya hai, uspar faisla hone tak koi charge nahi lag sakta (paragraph 27).
Chhoti sahuliyat jo kam logon ko pata hain
- Billing cycle badal sakte hain. Bank ko kam se kam ek baar ye option dena hoga ki aap cycle ki shuruaat ya aakhri tareekh khud chunein. Salary 1 tareekh ko aati hai to cycle usi hisaab se set karwa lijiye (paragraph 29).
- Bill aur due date ke beech kam se kam 15 din. RBI ne "at least one fortnight" likha hai (paragraph 24).
- Application reject hui to wajah likhit me milni chahiye. Aur application ke saath ek page ka Key Fact Statement bhi milna chahiye, jisme interest rate aur charges likhe hon (paragraph 11(1)).
- Card ek saal se zyada band pada hai to bank aapko bata kar band karne ki prakriya shuru kar sakta hai. 30 din me aapka jawab na aaye to account band. Statement nikalna, PIN badalna, transaction control badalna — ye sab "istemal" mana jaata hai (paragraph 20).
- Bank ke telecaller sirf subah 10 baje se shaam 7 baje tak call kar sakte hain (paragraph 11(9)).
- Recovery agent ka naam aur contact aapko turant batana hoga, aur agent ki har chitthi me bank ke senior officer ka naam, email, number aur pata hona chahiye. Dhamki, gaali, ghar walon ya doston ko sharminda karna — sab mana hai (paragraph 38–39).
Late payment ki 3 din wali chhoot — aur ek badi galatfehmi
Bahut si websites "RBI ke naye niyam 2026" ke naam se ek baat likh rahi hain — ki ab due date ke baad 3 din ki chhoot milegi. Baat sahi hai. Par "naya" wala hissa galat hai.
Ye chhoot abhi bhi lagu hai. Master Direction, 2025 ke paragraph 23(5) me pehle se likha hai ki bank credit card account ko CIC ko "past due" tabhi report karega, ya late payment jaise penal charges tabhi lagayega, jab account teen din se zyada past due rahe. Aur usi paragraph me ek aur baat hai jo bhulai jaati hai — late payment charges sirf due date ke baad bache hue outstanding par lagenge, poore total amount due par nahi.
Aprail 2026 me RBI ne is paragraph me ek amendment zaroor kiya (RBI/2026-27/29, 27 April 2026), aur wo 1 April 2027 se lagu hoga. Par maine dono versions milaa kar padhe — badlav sirf itna hai ki "days past due" ki ginti ab kis doosre document ke hisaab se hogi, uska reference badal gaya hai. Cardholder ke liye milne wali chhoot wahi hai, aaj bhi aur 2027 me bhi.
Isse ye mat samajh lijiye ki due date ke baad 3 din ki chhutti hai. Ye chhoot reporting aur penal charges par hai. Interest alag cheez hai — bill poora na bharne par interest-free period khatam ho jaata hai aur interest transaction ki tareekh se chalu ho jaata hai. Sabse saaf rasta wahi purana hai: full amount ka auto-debit laga dijiye. Interest kitna mehnga hai, wo chhupi hui fees wale article me likha hai.
Bank na sune to kya karein
Paragraph 85 me ek line hai jo mujhe achhi lagti hai — bank aapke waqt ke nuksan, kharche, financial loss, aur pareshani aur maansik takleef ka muavza dene ka zimmedar hai, agar galti bank ki hai ya shikayat waqt pe hal nahi hui.
Tarika ye hai:
- Pehle bank ke paas hi shikayat darj kijiye. Grievance redressal officer ka naam, seedha number, email aur pata aapke credit card bill aur statement par hi likha hota hai — ye bhi RBI ka hi niyam hai (paragraph 83).
- Shikayat ka docket ya complaint number le lijiye. Phone pe ki gayi shikayat ka bhi number milna chahiye (paragraph 84).
- Bank 30 din me jawab na de, ya jawab se aap santusht na hon, ya shikayat poori/aadhi khaarij kar de — to RBI Ombudsman ke paas jaaiye.
- Online: cms.rbi.org.in. Chitthi se bhejna ho to Centralised Receipt and Processing Centre, 4th Floor, Reserve Bank of India, Sector-17, Central Vista, Chandigarh – 160017.
Ye process muft hai. Koi agent ya "consultant" iske paise maange to wo aapko bewakoof bana raha hai.
Agar aap sirf fee bachane ke liye card band kar rahe hain
Puraana card band karne se aapki kul credit limit ghat jaati hai, aur us card ki umar bhi aapke credit history se nikal jaati hai. Dono cheezein CIBIL score ke liye achhi nahi hain. Wajah sirf annual fee hai to pehle bank se poochhiye ki koi lifetime free variant me switch ho sakta hai ya nahi. Kai baar ho jaata hai. Na ho, tab band kijiye — aur upar wala ₹500 wala niyam yaad rakhiye.
Bina annual fee wale cards ki poori list hamare lifetime free cards wale article me hai, aur saare lifetime free cards ek jagah cards page pe filter karke dekh sakte hain.
Saar
- Card band karne me 7 working days se zyada lage to ₹500 rozana aapke hain — badi shart, koi outstanding na ho.
- Bina maange card ya upgrade aaya aur bill laga — charges wapas, aur uske do guna penalty.
- Limit badhana, card upgrade karna, overlimit dena, fee badhana — har cheez me aapki manzoori chahiye.
- Fee badhe aur aapko manzoor na ho to card muft me chhod sakte hain.
- Refund ka paisa maangne par 3 working days me bank account me.
- Late payment ki 3 din wali chhoot abhi bhi lagu hai — ye 2026-27 ka naya tohfa nahi hai.
- Bank 30 din me na sune to RBI Ombudsman, muft, online.
Aksar poochhe jaane wale sawaal
Bank ne credit card band karne me deri ki to kya milta hai?
RBI ki Master Direction ke paragraph 19 ke mutabik closure request 7 working days me poori karni hoti hai. Deri hone par bank ko har calendar day ke ₹500 aapko dene honge, jab tak account band na ho — badi shart ye ki account me koi outstanding na ho.
Bina maange credit card aa jaye to kya karein?
Use activate mat kijiye aur OTP mat dijiye. Paragraph 11(4) ke mutabik bina maange card dena ya upgrade karna prohibited hai; bill lagne par bank ko charges wapas karne honge aur uske do guna penalty bhi deni hogi. Consent na milne par bank ko 7 working days me account band karna hoga.
Kya bank meri credit limit apne aap badha sakta hai?
Nahi. Paragraph 34 ke mutabik bank ekatarfa card upgrade ya credit limit enhancement nahi kar sakta — aapki explicit consent zaroori hai. Limit ghatane par bank ko kam se kam aapko soochit karna hoga.
Annual fee badh gayi to kya main card muft me band kar sakta hoon?
Haan. Paragraph 23(7) ke mutabik charges me badlav sirf aage ke liye ho sakta hai aur kam se kam ek mahine pehle notice dena hoga. Badlav aapke nuksan me ho to aap bina kisi extra closure charge ke card surrender kar sakte hain, bas saare dues chukane honge.
Kya due date ke baad 3 din ki chhoot 2026 ka naya niyam hai?
Nahi. Ye chhoot Master Direction, 2025 ke paragraph 23(5) me pehle se hai — bank account ko CIC ko past due report ya penal charges tabhi laga sakta hai jab account teen din se zyada past due rahe. April 2026 ke amendment me sirf ek reference badla hai aur wo 1 April 2027 se lagu hoga; cardholder ko milne wali chhoot wahi rehti hai.
Bank shikayat na sune to kahan jaana chahiye?
Pehle bank ke grievance redressal officer ko, jinka naam aur contact aapke credit card bill par likha hota hai. Bank 30 din me jawab na de, ya jawab se aap santusht na hon, to RBI Ombudsman ke paas cms.rbi.org.in par online shikayat kar sakte hain. Ye process muft hai.
Kahan se liya
- Saare paragraph — RBI: Reserve Bank of India (Commercial Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025
- 3 din wale niyam ka amendment aur uski lagu hone ki tareekh — RBI: Amendment Directions, 2026 (RBI/2026-27/29, 27 April 2026)
- Ombudsman me shikayat — RBI Complaint Management System
Ye financial ya legal advice nahi hai. Main SEBI ya RBI registered advisor nahi hoon, na hi vakil. Ye article RBI ke public document ka simple Hindi me saar hai. Kisi bhi vivaad me RBI ka apna English document hi maanya hai, ye page nahi — upar link diya hua hai, zaroor padhein.
Niyam badalte rehte hain. Is page ke saare paragraph 25 September 2026 ko RBI ki website par maujood version se padhe gaye. RBI amendments jaari karta rehta hai, isliye apne mamle me taaza version dekh lijiye.
Ek zaroori seema. Ye Directions commercial banks par lagu hain. Small Finance Banks, Payments Banks aur Local Area Banks inme shaamil nahi hain — unke card ke liye alag niyam dekhne padenge.
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