Correction — 10 September 2026: This article previously said compulsory add-ons and preselected insurance could remain lawful until January 2027. That implication was wrong. We have withdrawn the unverified quotations, clause numbers and effective-date analysis from the earlier version.
What we can establish
The RBI credit-card directions updated in March 2024 already required explicit consent for insurance cover and for other products or services supplied with a card. Consent could not simply be implied from a card application.
What remains under verification
The earlier article cited a final 2026 responsible-business-conduct instrument and a January 2027 commencement date. We could not independently retrieve that final text in this review. The original references remain listed for traceability; they are not confirmation that our earlier quotations or interpretation were correct.
What to do
Ask the issuer for the consent record and terms for any disputed add-on. Do not wait for a future date to question a charge you did not authorise. Our corrected RBI protections guide explains the distinction between established protections and unresolved later claims.