Credit Card Damaged? Get Replacement in 5 Steps

If your credit card is damaged, lost, or stopped working, you can block it instantly and get a replacement card delivered within 2–4 days. Here are the exact steps to follow so your payments never skip a beat.

Here's what happened: Credit cards can stop working due to physical damage, a demagnetised strip, chip failure, or the card crossing its expiry date.. Banks typically issue replacement cards within 3 to 7 working days; some private banks offer faster turnaround for premium cardholders.. When a card number changes on replacement, all linked auto-pay mandates — OTT, insurance, utility bills — must be updated manually..

What you should do: Block your card immediately via the bank's app or toll-free number to prevent any unauthorised transactions while you wait for the replacement.. Raise a replacement request the same day and confirm with the bank whether your card number will change — then update every auto-debit linked to the old number.. Activate the new card the moment it arrives using net banking or the mobile app, and verify a small transaction to confirm it is working before your next EMI date..

Ask your bank for a virtual card number the moment you block the physical card — most major banks issue one instantly through their app, so your online payments never stop while you wait for delivery.

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