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Learn the steps, requirements, and important details for changing the name on your credit card smoothly.
Updating your name on a credit card is an essential process after a marriage, legal name change, or correction of a spelling error. Credit card issuers require proper documentation and verification before issuing a new card with the updated name. Understanding the procedure helps cardholders avoid delays and ensures that their financial records remain consistent.
Changing the name on a credit card may be necessary for various personal and legal reasons. Below, have a look at the most common situations that require such a change:
There are several reasons why a cardholder may need to change their credit card name. The most common reasons include marriage, divorce, legal name change, or a simple spelling correction. For instance, after marriage, many people adopt their spouse’s surname and must update this change across all financial documents. In cases of divorce, an individual might revert to their previous name. Occasionally, errors in the spelling or order of names during card issuance may also need correction.
Every name change must be backed by valid legal documents. Whether the change is due to marriage or a legal affidavit, the requesting individual should have appropriate government-approved documentation. Proof such as a gazette notification, marriage certificate, or court order ensures the issuer can validate the name change request.
Each credit card issuer such as HDFC Bank, SBI Card, Axis Bank, or ICICI Bank, has specific policies for changing a name. Although the fundamental process remains similar, some issuers may require physical submission of documents, while others might allow requests via post or email through their customer care team. Always confirm the exact requirements on the respective bank’s website before proceeding.
Providing accurate documents is crucial when updating the name on your credit card. Most banks require at least one identity proof and a legal name change proof. Here is a closer look at the documents required:
Cardholders must submit a self-attested copy of their government-recognised identity document. Accepted options include an Aadhaar card, passport, voter ID, or PAN card. The name on the identity proof must match the new name being requested.
Along with identity proof, documents that justify the reason for the name change are needed. Common legal proofs include a marriage certificate, court order, gazette notification, or affidavit mentioning the name change. For spelling corrections, some banks may accept an attested affidavit or existing identity proof showing the correct spelling.
While not mandatory for all issuers, some banks may request updated address proof if both the name and address have changed. Utility bills, Aadhaar card, or driving licence copies usually serve this purpose.
Updating your credit card name is not complex but requires following proper steps for timely completion. Here is a look at the steps in further detail:
Begin by contacting your credit card issuer through customer care, branch visit, or email. Enquire about their specific procedure and download or collect the “Name Change Request Form” if applicable.
Submit the completed form along with supporting documents like identity proof and legal name proof. Depending on the bank, documents can be submitted in person, via courier, or through an online upload facility. Ensure that all details are accurate and that the new name matches your documents.
After submission, the bank verifies your details and initiates card reissuance. The verification stage ensures there is no mismatch between submitted documents and their internal records. You may receive updates via SMS or email once the new card is dispatched.
The process of changing the name on a credit card typically involves several steps and can take varying amounts of time. Below, we outline the general timeframe for completing this change:
Typically, the verification process takes three to seven business days depending on how quickly the bank validates your documents. Some issuers may take longer if they require additional verification steps.
After approval, your new credit card is printed and dispatched to your registered address. Including postal delivery, the entire process may take between five and ten working days from the submission date.
Changing the name on a credit card may incur certain fees, depending on the bank's policies. Below, we discuss whether any charges apply and the factors that influence them:
Most Indian credit card issuers do not charge any fee to change your name on the card. This is considered a service update, not a new card request. However, policies may differ slightly among banks.
Charges may apply if you request expedited delivery or a special replacement beyond the standard reissuance process. It’s advisable to review your issuer’s fee schedule or confirm with customer support before placing the request.
If you change your name, you may need to update it across all your credit cards to ensure consistency. Below, we explain why this is important and how to manage the process:
If you own credit cards from multiple banks, remember that each issuer requires a separate name change request. Changes made with one bank are not shared with others.
Since Indian credit card systems operate independently across issuers, you must submit documents and request forms separately for every credit card you hold. This ensures uniformity of your updated name across your entire financial portfolio.
Changing the name on a credit card does not directly impact your CIBIL score. Below, have a closer look at how the process works and its effect on your credit history:
A name change does not affect your CIBIL score directly. However, accurate name records help ensure your credit history is properly linked to your current identity. The issuing bank updates your new name with the credit bureaus once the change is processed.
Keeping your name consistent across all financial documents avoids confusion during credit verification and loan applications. Regularly checking your CIBIL report ensures that all updates reflect correctly.
To ensure a smooth credit card name change process, it's essential to follow a few simple steps. Below, we share practical tips to help you complete the change with ease:
Before applying for a name update, review the issuer’s policy online. Keep soft and hard copies of essential documents such as Aadhaar card, PAN card, and the legal proof of change ready.
Ensure all documents display the updated name clearly and match the information being submitted. Avoid discrepancies between ID proof and legal documents.
Track your request through customer care or mobile banking application. Once you receive your new card, destroy the old one safely to prevent misuse.
You will need valid identity proof (like Aadhaar or PAN card) and legal documents such as a marriage certificate, affidavit, or court order to support the name change.
Some issuers allow online submission through their official portals or customer support email. Others may require physical document submission for verification.
Most banks issue a new credit card within five to ten working days after verifying your documents.
Your old card becomes inactive once the new card is activated. Always destroy the old card to avoid unauthorised use.
Yes, a marriage certificate is mandatory proof for updating your surname or full name post-marriage.
The issuer updates your new name with the credit bureaus, but it’s recommended to check your CIBIL report after a few weeks to confirm.
Generally, there is no fee. However, some banks may charge if you request urgent or premium card delivery.
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Posted on 16 Jan
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