Insurance Added to Credit Card Without Consent
Your bank has added an insurance policy to your credit card — charging a monthly or annual premium — without your explicit written consent. You may have been enrolled automatically or through an opt-out mechanism.
⚖️Your Rights Under RBI Regulations
Insurance cannot be bundled with a credit card on an opt-out basis — explicit consent is required.
You can cancel any insurance added without consent and demand full refund of premiums.
A 15-day free-look period applies even to bundled insurance — you can cancel within 15 days of learning about it.
💰 What You Can Recover
Full refund of all insurance premiums charged without consent.
⏱ Response Deadline
30 days for written complaint.
📋Step-by-Step — What to Do
Write to the bank's credit card division cancelling the insurance and demanding full premium refund.
Cite that no explicit consent was provided and request documentation showing how you were enrolled.
File with RBI Ombudsman and IRDA (for the insurance aspect) if refused.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman + IRDA Integrated Grievance Management System (igms.irda.gov.in)
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