All Credit Cards Customer Care Numbers in India (2026): Bank-Wise Helpline Directory 

This article is a complete reference for credit card customer care numbers across all major banks in India. It covers toll-free helplines, WhatsApp banking contacts, SMS block shortcuts and guidance on how to contact credit card customer care through non-call channels. Useful whether you have lost your card, spotted a fraud or need the full credit card customer care numbers list in one place. Takes about 6 minutes to read. 

Your credit card works fine until it does not. A transaction you do not recognise. A card declined at the billing counter while a queue forms behind you. A reward redemption that went nowhere. In each case, the fix starts with one thing: the right credit card helpline number. 

This guide gives you the complete credit card customer care numbers list for all major banks in India, along with WhatsApp contacts, email IDs, SMS block shortcuts and step-by-step escalation guidance. Bookmark it. 

QUICK STAT 

Active credit cards in India crossed approximately 97 million as of 2024, according to RBI Payment System Indicators. Most of those cardholders will need support at some point.  
Source: Reserve Bank of India, Payment System Indicators, 2024

The Full Credit Card Customer Care Numbers List: 25 Banks at a Glance 

Numbers starting with 1800 are toll-free from any network in India, any time of day. Numbers starting with 1860 or a local STD code are charged at standard rates per your telecom plan. 

S. No	Bank	Credit Card Helpline Number
1	HDFC Bank	1800 1600 / 1800 2600
2	SBI Card	STD code + 3902 0202 / 1860 180 1290 / 1800 180 1290
3	ICICI Bank	1800 1080
4	Axis Bank	1800 209 5577 / 1800 103 5577
5	Kotak Mahindra Bank	1860 266 2666 / 1800 209 0000
6	RBL Bank	022 6232 7777
7	IDFC First Bank	1800 10888
8	IndusInd Bank	1860 267 7777
9	Bank of Baroda	1800 2090 / 1800 1210
10	Canara Bank	1800 1030
11	Federal Bank	1800 425 1199 / 1800 420 1199
12	Standard Chartered Bank	STD code + 6601 4444 / 3940 4444
13	Union Bank of India	1800 2333
14	American Express	1800 419 2122
15	Punjab National Bank	1800 180 2345 / 0120 4616200
16	HSBC Bank	1800 267 3456 / 1800 121 2208
17	Yes Bank	1800 1200 / 1860 210 1200
18	South Indian Bank	1800 425 1809 / 1800 102 9408
19	AU Small Finance Bank	1800 1200 1500
20	Indian Bank	1800 1700
21	Central Bank of India	1800 3030
22	IDBI Bank	1800 209 4324
23	Bank of India	1800 220 229 / 1800 103 1906
24	SBM Bank	1800 2099 335 / 1800 1033 817
25	UCO Bank	1800 8910

WATCH OUT 

Security reminder: Never share your CVV, ATM PIN or net banking password with anyone on a call, even if they claim to be from your bank. No legitimate bank executive will ever ask for these details. 

HDFC Bank Credit Card Customer Care 

HDFC issues more credit cards than any other bank in India. The helpline is split by card tier. 

• General cards: 1800 1600 / 1800 2600 (toll-free, 24×7) 

• Premium cards (Infinia, Diners Black, Imperia): 1800 1600 / 1800 2600 

• Customers travelling abroad: +91 22 6160 6160 

• WhatsApp Banking: 70700 22222 

• Email: customerservices.cards@hdfcbank.com 

• SMS block: send ‘Block CC XXXX’ (last 4 digits) to 73080 80808 

DID YOU KNOW? 

Real example: Priya, a 31-year-old school teacher from Lucknow, received an SMS alert about a transaction she did not make on her HDFC card. She called 1800 1600, pressed 2 for dispute, confirmed her card number and date of birth and had her card blocked and a fraud complaint raised in 7 minutes. The amount was reversed in 5 working days. 

SBI Card Customer Care 

SBI Card is a separate entity from the State Bank of India, with its own credit card helpline number and mobile app. 

• General helpline: STD code + 3902 0202 / 1860 180 1290 / 1800 180 1290 (toll-free) 

• Hours: 8 AM to 8 PM, Monday to Saturday 

• WhatsApp: send ‘OPTIN’ to 90040 22022 

• Email: customercare@sbicard.com 

• NRI customers abroad: +91 80 2659 9990 

• SMS block: send ‘BLOCK XXXX’ (last 4 digits) to 5676791 

ICICI Bank Credit Card Customer Care 

ICICI Bank runs around 30 credit cards including the popular Amazon Pay ICICI Credit Card. The main credit card customer care number India is 1800 1080. 

• General customer care: 1800 1080 (toll-free, 24×7) 

• Amazon Pay ICICI Credit Card: 1800 1020 123 

• NRI customers in India: 1800 102 5600 (toll-free) 

• International: +91 40 3099 8025 

• WhatsApp: 86400 86400 

• Email: customer.care@icicibank.com 

Axis Bank Credit Card Customer Care 

• General: 1800 209 5577 / 1800 103 5577 (toll-free) or 1860 419 5555 / 1860 500 5555 (non-toll-free) 

• Premium cards (Magnus, Reserve): 1800 103 4962 

• International: +91 22 6798 7700 

• WhatsApp: 70361 65000 

• Support portal: axisbank.com/support 

DID YOU KNOW? 

Real example: Ankit, a software engineer in Hyderabad, left his Axis Bank card at a restaurant while travelling for work. He called +91 22 6798 7700, pressed 1 to block his card and received a confirmation SMS in 3 minutes. He applied for a replacement card through the app the same evening. 

Other Major Banks: Quick Contact Details 

Kotak Mahindra Bank 

• 1860 266 2666 / 1800 209 0000 (the 1800 number is toll-free; 1860 is charged per your telecom plan) 

IDFC First Bank 

• 1800 10888 (toll-free, 24×7) 

• Customers abroad: +91 44 4715 1000 

IndusInd Bank 

• 1860 267 7777 (24×7) 

• NRI support: +91 22 4406 6666 

• Email: induscare@indusind.com 

American Express 

• 1800 419 2122 (toll-free) 

• From abroad: +91 124 280 1515 

• 24×7 chat via the Amex app and website 

Yes Bank 

• 1800 1200 (toll-free) / 1860 210 1200 (non-toll-free) 

• YES First and YES Premia cards: 1860 210 1200 

• Email: customer.care@yesbank.in 

Standard Chartered Bank 

Standard Chartered uses city-specific numbers. Add your local STD code before dialling. 

• Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune: STD code + 66011616 or 39401616 

• Gurgaon, Noida, Dehradun, Saharanpur: 011-66011616 or 011-39401616 

AU Small Finance Bank 

• 1800 1200 1500 (toll-free) 

• Non-toll-free: 0141 714 1100 

• Forex card: 1800 1200 1200 

Bank of Baroda 

• 1800 2090 / 1800 1210 (toll-free, 24×7) 

• Email: bobcards@bankofbaroda.com 

PRO TIP 

Tip: Not sure which number to use for a PSU bank? Open the bank’s official mobile app first. Most now have a ‘Call Us’ button that automatically routes you to the right credit card helpline number based on your card type. 

Can I Reach Credit Card Customer Care Through WhatsApp or Chat? 

Yes and it is often the fastest option for non-urgent queries. Most major banks now support WhatsApp banking for credit card requests. 

Bank	WhatsApp Number	Best For
HDFC Bank	70700 22222	Statement requests, reward point balance, payment reminders
SBI Card	Send OPTIN to 90040 22022	Statement download, bill payments, card status
ICICI Bank	86400 86400	Account balance, mini statement, complaint registration
Axis Bank	70361 65000	Transaction history, reward queries, service requests
American Express	Via Amex app chat	Card services, reward redemption, dispute initiation

 
For urgent issues like fraud alerts or card blocking, always call the credit card helpline number directly. WhatsApp response times can vary. 

DID YOU KNOW? 

Real example: Meera, a freelance designer from Bengaluru, needed 3 months of credit card statements for a home loan application. She messaged her bank’s WhatsApp number at 11 PM and had the PDF statements in her inbox by 7 AM, without a single call or wait time. 

How to Contact Credit Card Customer Care Without Calling 

Calling is not always the only option for how to contact credit card customer care. Banks now offer several digital channels. 

• Mobile app: dispute transactions, request statements, block or freeze a card, update contact details – all without speaking to anyone 

• Net banking: use the Service Request section to raise complaints, track disputes or apply for card replacement 

• Email: creates a written record useful for escalation; best for non-urgent complaints 

• Social media: most large banks respond on X (Twitter) within a few hours — keep the message brief and do not share card details publicly 

• Online grievance portals: HDFC, SBI Card and ICICI all have dedicated complaint forms on their websites 

Are Credit Card Customer Care Numbers Toll-Free? 

Numbers starting with 1800 are completely toll-free from any mobile or landline in India. You can call as many times as you need, for as long as needed, without any charge. 

Numbers starting with 1860 are not toll-free. They are treated as local calls and charged per your telecom plan, typically between 50 paise and Rs. 1 per minute. Numbers with a city STD code prefix are also charged at standard local rates. Most banks provide at least one 1800 number for credit card support. 

What Is the Best Time to Call Credit Card Customer Care for Faster Response? 

Monday mornings and the last 3 days of every month are peak times across most bank helplines. Avoid these slots if your issue is not urgent. 

• Best time to call: Tuesday to Thursday, 10 AM to 12 PM or 2 PM to 4 PM 

• Avoid: Monday mornings, month-end dates (28th to 31st), lunch hours (12 PM to 2 PM) and early evenings (5 PM to 7 PM) 

• For 24×7 banks like HDFC and ICICI: late-night calls (11 PM to 6 AM) often connect faster with shorter wait times 

• SBI Card: available only 8 AM to 8 PM on weekdays — plan accordingly 

WATCH OUT 

For fraud or card loss: do not wait for business hours. Call the credit card helpline number immediately, select the card block option in the IVR and your card will be blocked even if no agent is available. 

How to Block Your Credit Card Immediately 

1. Call the toll-free credit card helpline number from the table above. Select the block option in the IVR (usually press 1). Most banks complete the block without needing a live agent. 

2. Use SMS blocking if your bank supports it: HDFC — send ‘Block CC XXXX’ to 73080 80808. SBI — send ‘BLOCK XXXX’ to 5676791. Replace XXXX with the last 4 digits of your card. 

3. Open the bank’s mobile app and navigate to Card Management to freeze or permanently block the card instantly. 

4. If money was deducted in a fraudulent transaction, raise a dispute within 3 working days for maximum protection under RBI chargeback rules. 

DID YOU KNOW? 

Real example: Riya, 29, from Pune, noticed an unknown charge of Rs. 4,500 on her HDFC credit card statement at 11 PM. She called 1800 1600, selected the dispute option and spoke to an agent who blocked her card and raised a chargeback in under 8 minutes. The bank reversed the amount in 7 working days. 

What to Keep Ready Before You Call 

• Your 16-digit credit card number (last 4 digits are enough for most IVR systems) 

• Your registered mobile number — calls from this number skip extra security steps 

• Date of birth or PAN number for identity verification 

• A brief description of the issue 

How to Escalate If the Issue Is Not Resolved 

5. Nodal Officer: Contact details are in the Grievance Redressal section of the bank’s official website. Response is usually within 5 to 7 working days. 

6. RBI Integrated Ombudsman Scheme: If the bank does not respond within 30 days, file a complaint at bankingombudsman.rbi.org.in or call 14448. Free of charge for any bank customer. 

7. District Consumer Disputes Redressal Commission: For unresolved cases involving financial loss. 

Conclusion 

If you are also looking for a credit card with zero joining fee, lifetime-free membership and up to 3% cashback on all spends, check out the Fibe Axis Bank Credit Card. It comes with UPI-linked rewards and a fully digital application process. No branch visit needed. 

FAQs On Credit Card Helpline Numbers 

1. What is the credit card customer care number for HDFC Bank? 

HDFC Bank credit card customers can call 1800 1600 or 1800 2600. Both are toll-free and available 24×7 for general cards, co-branded cards and premium cards including the Infinia and Diners Black. 

2. How do I block my credit card immediately? 

Call your bank’s toll-free credit card helpline number and press 1 for card block in the IVR. HDFC and SBI also support SMS blocking — send ‘Block CC XXXX’ to 73080 80808 for HDFC and ‘BLOCK XXXX’ to 5676791 for SBI, where XXXX is the last 4 digits of your card. 

3. Can I reach credit card customer care through WhatsApp or chat? 

Yes. HDFC (70700 22222), ICICI (86400 86400), Axis Bank (70361 65000), SBI Card (90040 22022) and American Express (in-app chat) all support WhatsApp or chat-based banking. These channels work well for statement requests and reward queries. For urgent matters like fraud or a lost card, call the helpline directly. 

4. Are credit card customer care numbers toll-free? 

Numbers starting with 1800 are toll-free from any network in India. Numbers starting with 1860 or a city STD code are charged at local call rates per your telecom plan. Most banks provide at least one toll-free option for credit card support. 

5. Can I raise a credit card complaint without calling customer care? 

Yes. You can use the bank’s mobile app, net banking portal, email, WhatsApp banking channel or official online grievance form. For non-urgent issues, email is best as it creates a written record that is useful if you need to escalate to the nodal officer or RBI ombudsman later. 

6. What is the best time to call credit card customer care for a faster response? 

Tuesday to Thursday between 10 AM and 12 PM or 2 PM to 4 PM tend to have the shortest wait times. Avoid Monday mornings, month-end dates and early evenings. For 24×7 helplines like HDFC and ICICI, late-night calls (11 PM to 6 AM) often connect faster. 

7. My credit card transaction failed but money was deducted. What do I do? 

Call the credit card customer care number immediately and report it as a failed transaction with debit. Most banks resolve this within 5 to 7 working days. If unresolved, escalate to the bank’s nodal officer. 

8. What is the RBI ombudsman helpline for credit card complaints? 

Call 14448 or file a complaint online at cms.rbi.org.in under the RBI Integrated Ombudsman Scheme. This service is free of charge for all bank customers. 

9. Is there a single credit card helpline number that works for all banks in India? 

No. Each bank has its own dedicated credit card customer care number India. Use the table at the top of this article to find the right helpline for your card issuer. 

10. I lost my Axis Bank card while travelling abroad. Who do I call? 

Call +91 22 6798 7700 (non-toll-free, international). HDFC international customers call +91 22 6160 6160 and ICICI international customers call +91 40 3099 8025. 

11. How long does a credit card dispute take to resolve? 

Under RBI guidelines, banks must acknowledge a complaint within 3 working days and resolve it within 30 days. Disputes involving a Visa or Mastercard chargeback may take longer depending on the merchant’s bank.