How to surrender a credit card?

To surrender a credit card in India, follow these steps as per RBI guidelines:

• Clear all outstanding dues, including interest and EMIs.
• Redeem any accumulated reward points.
• Cancel all automated recurring payments linked to the card.
• Submit a closure request through the bank's mobile app, website, or customer care helpline.
• Follow up with a written request via email or a formal letter.
• Once the bank confirms closure, destroy the physical card by cutting it across the chip.