Understand the process to close an IDFC FIRST Bank credit card with step-by-step instructions, including key requirements, request methods, and important points to review before cancellation.
Last updated on: April 29, 2026
Before you place a closure request, it helps to ensure your account is fully ready for processing. This prevents delays and avoids multiple verification rounds. IDFC FIRST Bank processes closure only when the account meets specific internal and regulatory conditions.
Here are the essential requirements you must complete before initiating the closure:
These steps ensure your card account is fully compliant for closure and help the bank process the request smoothly.
Closing a credit card can affect different components of a credit profile, depending on existing accounts, usage patterns, and credit history. These changes are usually linked to how credit limits and account history are adjusted after closure.
Credit history length: Closing an older card may reduce the overall average account age, which can influence the credit profile temporarily.
Credit utilisation ratio: Removal of a card reduces total available credit, which may increase utilisation levels if existing balances remain unchanged.
Short-term score movement: Minor fluctuations in the credit score may occur, especially if the closed card had a high credit limit.
The overall impact depends on the existing credit mix and repayment behaviour, and changes may stabilise over time as the credit profile adjusts.
You can close your IDFC FIRST Bank credit card using several convenient channels. Each method requires basic verification and may take short processing time as per RBI regulations.
Here is a detailed explanation of all available methods.
Before you choose any method, ensure you have your credit card details and registered mobile number ready.
The IDFC FIRST Bank credit card closure process can be initiated digitally through the bank’s mobile app or internet banking platform.
Login to IDFC FIRST Bank’s Mobile App or Net Banking portal, then click on ‘Credit Card’.
Then choose the ‘Credit Card Closure’ option.
Enter the reason for closure and submit the request.
You will receive an acknowledgement once the request is registered.
Calls can be made to 1800 10 888 (toll-free, 24×7) using the registered mobile number.
Process: The representative verifies account details, initiates the closure request, and confirms whether the card qualifies for immediate closure based on applicable conditions.
Confirmation: A notification is generally issued through email or SMS to acknowledge that the closure request has been registered.
The IDFC FIRST Bank credit card closure email ID can be used to submit a closure request.
Send a formal request on email to banker@idfcfirstbank.com from your registered email address, including relevant account details and the reason for closure.
Send “Hi” to 95555 55555 to access banking support. Users can further request guidance on the next steps on chat.
As per the Reserve Bank of India’s guidelines on credit card operations, followed by IDFC FIRST Bank:
Closure timeline: Credit card closure requests are generally required to be processed within 7 working days from the date of receipt.
Delay-related charges: In case of delays beyond this period, where no outstanding balance exists, a penalty of ₹500 per day may be applicable until the account is closed.
IDFC FIRST Bank does not charge any fee for closing a credit card.
These options allow you to choose the closure method most convenient for your situation.
IDFC FIRST Bank provides multiple support channels for assistance, available throughout the day, such as:
You may use these details to track closure status or request additional support.
After official IDFC FIRST Bank credit card closure, a few final steps ensure your account remains secure and updated.
Completing these steps ensures there are no pending issues related to the closed account.
Reviewer
An IDFC FIRST Bank credit card can be closed through the mobile app or internet banking platform. Log in, navigate to the ‘Credit Card’ section, select the ‘Credit Card Closure’ option, enter the reason, and submit the request. An acknowledgement is provided after submission.
There are generally no charges for closing an IDFC FIRST Bank credit card. However, all outstanding dues, including any applicable interest or fees, must be cleared before the closure request is processed.
An IDFC FIRST Bank credit card cannot be closed if there are active EMIs. All EMI balances must be foreclosed before initiating closure, and foreclosure may involve applicable charges based on the issuer’s terms.
Credit card closure is typically completed within 7 working days after submitting a valid request, in line with regulatory guidelines, provided all dues are cleared and there are no pending transactions.
Reward points are typically forfeited once the credit card closure request is processed. Cardholders are expected to redeem any available reward points before initiating the closure to avoid losing the accumulated benefits.