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How to Close a Credit Card in India: A Step-by-Step Guide
Closing a credit card may seem like a simple process, but if not done correctly, it can impact your credit score and financial record. Whether you want to close your credit card due to high fees, low usage, or for better financial management, it’s important to follow the right steps to avoid future complications.
In this guide, we will walk you through the proper procedure to close your credit card in India, key things to keep in mind before cancellation, and how to ensure it doesn’t affect your credit score negatively. Let’s get started!
1.Sample Mail Process
Subject: Request to Close Credit Card – [Last 4 Digits of Card]
Dear [Bank Name] Customer Support,
I would like to request the closure of my credit card account. Below are my details:
- Name: [Your Name]
- Credit Card Number: XXXX-XXXX-XXXX-[Last 4 Digits]
- Registered Mobile: [Your Mobile Number]
I have cleared all dues and request a confirmation of closure. Please also ensure my credit report reflects this correctly.
Let me know if any further steps are needed. You can contact me at [Your Email] or [Your Mobile Number].
Thank you.
Best regards,
[Your Name]
2.Call Customer Care
– Dial your bank’s toll-free number (e.g., **1800 258 5678 for SBI Card**).
– Ask for a limit increase and follow their instructions.
Here are the customer care numbers for some major Indian banks’ credit card services. Please note that these numbers are subject to change, so it’s always a good idea to verify them on the bank’s official website or your credit card documentation.
### 1. **State Bank of India (SBI) Credit Card**
– Toll-Free: 1860 180 1290 or **1800 1234** or **1800 2100**
– Toll-Free (from mobile): **080-26599990**
### 2. **HDFC Bank Credit Card**
– Toll-Free: 18001600 or 18002600 or **1800 266 4332** or **1800 227 4332**
– From abroad: **+91-40-61606060**
### 3. **ICICI Bank Credit Card**
– Toll-Free: 022 3366 7777 or the toll-free number at 1800 1020 123 or **1800 1080**
– From abroad: **+91-40-33667777**
### 4. **Axis Bank Credit Card**
– Toll-Free: 1860 419 5555 & 1860 500 5555 or **1800 419 5555** or **1800 258 5555**
– From abroad: **+91-22-67987700**
### 5. **Kotak Mahindra Bank Credit Card**
– Toll-Free: 18602662666 or **1860 266 0811**
– From abroad: **+91-22-66056815**
### 7. **Standard Chartered Bank Credit Card**
– Toll-Free: **1800 419 0000**
– From abroad: **+91-22-67797799**
### 8. **RBL Bank Credit Card**
– Toll-Free: +91 22 6232 7777 for Credit Cards and +91 22 7119 0900 for SuperCards. **1800 121 9050** or **1800 209 4455**
– From abroad: **+91-22-61156300**
### 9. **Yes Bank Credit Card**
– Toll-Free: **1800 103 6000**
– From abroad: **+91-22-44066666**
### 10. **IDFC First Bank Credit Card**
– Toll-Free: 1800 10 888 or **1800 266 9970**
– From abroad: **+91-40-45607700**
### 11. **Bank of Baroda Credit Card**
– Toll-Free: **1800 102 4455** or **1800 258 4455**
### 12. **Punjab National Bank (PNB) Credit Card**
– Toll-Free: **1800 180 2222**
### 13. **Union Bank of India Credit Card**
– Toll-Free: **1800 222 244**
### 14. **Canara Bank Credit Card**
– Toll-Free: **1800 425 0018**
### 15. **IndusInd Bank Credit Card**
– Toll-Free: 022 68577777 / 022 44066666 / 022 42207777 / 1860 267 7777
Important Notes:
– Always call from your registered mobile number for faster service.
– Be cautious of phishing calls or scams. Only use official numbers provided by the bank.
– For international roaming or calling from abroad, check the specific international contact numbers provided by the bank.
If your bank is not listed here, visit their official website or check your credit card statement for the correct customer care number.
3.Indian banks credit cards email id’s
1. State Bank of India (SBI):
- Email: customercare@sbicard.com
2. Indian Bank:
- Email: creditcard@indianbank.co.in
3. Indian Overseas Bank (IOB):
- Email: ccard@iobnet.co.in
4. HDFC Bank:
5. ICICI Bank:
- Email: customer.care@icicibank.com
6. Axis Bank:
7. IndusInd Bank:
- Email: reachus@indusind.com
8. HSBC Bank:
- Email: info@hsbc.co.in
9. RBL Bank:
- Email: cardservices@rblbank.com
10. Yes Bank:
- Email: yestouch@yesbank.in
Please note that customer care contact details may change over time. It’s advisable to verify the current email addresses from the official bank websites or your latest bank statements before reaching out.
