How to Cancel The SBI Credit Card

How To Close SBI Credit Card

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Cancel SBI Credit Card

Wondering how to close SBI credit card? Don't worry, we have you covered. If you have an SBI credit card and want to upgrade it for advanced credit card features and benefits or have not been using it for some time but have been paying its annual fees, you can go ahead and cancel it. The bank offers several online as well as offline ways to cancel SBI credit cards. These include:

  • Sending an email via your netbanking account

  • Calling on the customer support helpline

  • Submitting a written request

  • Visiting your nearest SBI branch

If you are still unsure about how to cancel a SBI credit card, we have explained all these methods in detail below.

How to Close SBI Credit Cards?

Ways to Cancel SBI Credit Card Online

1. Close SBI Credit Card Online via Netbanking

You can cancel your SBI credit card online by sending an email from your SBI netbanking account to the official SBI ID www.sbicard.com/email. Once the request is placed and acknowledged, you would receive a unique interaction ID on your registered mobile number. The bank would then get in touch with you to close your SBI credit card.

 

2. Cancel SBI Credit Card by Calling Customer Care

You can contact the following SBI customer card helpline numbers to cancel SBI credit card-

  • 1860 180 1290

  • 1860 500 1290

  • 1800 180 1290

  • 3902 0202 (local STD code as prefix)

The SBI Credit Card customer care would ask you for a few details to authorise your credit card. Once validated, your request to deactivate SBI credit card will be processed.

Ways to Cancel the SBI Credit Card Offline

1. Cancel SBI Credit Card by Writing a Letter to the bank

You can write a letter and send it via post to SBI’s official address to request the closure of your SBI credit card. The letter can be posted to:

SBI Card,

PO Bag 28,

GPO, New Delhi 110 001

You would need to mention all relevant details related to your account, such as your name, credit card number, credit card expiry date, etc., with your written request. It is advised to avoid sharing sensitive information such as your credit card pin or CVV number in the letter.

 

2. Visit the nearest SBI branch

You can visit the nearest SBI branch and request a bank official to close your SBI credit card. You would need to carry all the relevant documents along with the particular SBI credit card that you wish to close.

Points to Remember When Closing Your SBI Credit Card

Now that you know how to cancel the SBI credit card, you need to keep a few things in mind when initiating the process:

  1. Clear all pending SBI credit card loans, SBI credit card balance transfer, outstanding dues, or EMI against your SBI credit card to progress with the cancellation process.

  2. Check SBI’s website for the closing process and any penalties that may be charged for closing your SBI credit card account.

  3. Cancel any automatic payments you may have set up against your credit card.

  4. Do not make any new purchases on your SBI credit card once the closure request has been made and the dues have been cleared.

  5. Make sure to redeem all the accumulated reward points on your SBI credit card before it is closed.

  6. Request for a confirmation from the bank, if not provided, stating that the cancellation of your SBI credit card has been successful.

  7. The termination of your SBI credit card will be effective only after you have cleared all outstanding payments on the card.

Consequences of Closing Your SBI Credit Card

Closing your credit card can have certain effects on your finances. These include:

  • Reduced total credit available

  • If the expenses remain the same, the credit utilisation ratio would increase significantly

  • Lowering of the credit score due to the increase in credit utilisation ratio

  • Lower credit score as the average credit history will be reduced

  • Termination of primary SBI credit card will lead to termination of all add-on cards.

FAQs on Cancel SBI Credit Card

  • ✔️Can the bank close my SBI credit card account without asking me?

    In the case of inactivity, delinquency, or multiple defaults in payments, the bank may close your credit card without intimation.

  • ✔️Should I deactivate my unused SBI credit card?

    You can close your SBI credit card if you haven’t been using it as it would save you from having to pay unnecessary annual maintenance fees on the card.

  • ✔️In what cases should I close my SBI credit card?

    If you are upgrading your current SBI credit card or have an unused credit card from SBI, you can opt to close it.

  • ✔️How can I close my SBI credit card permanently?

    If you are wondering how to cancel the SBI credit card, you can do so by any of the methods mentioned below:

    • Via SBI netbanking

    • By calling the SBI customer care helpline

    • Submitting a written request

    • Visiting the nearest SBI branch and requesting help from the bank executive

  • ✔️Can I close my SBI credit card online?

    Yes, you can close your SBI credit card online by logging into your SBI netbanking account and sending a mail to cancel SBI credit card.

  • ✔️How to reactivate an SBI Credit Card?

    You can call on the SBI credit card helpline number or write to www.sbicard.com/email to send an SBI card reactivation request.