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Your credit card needs may evolve with the changing circumstances and financial requirements. ICICI Bank Credit Cards offer a variety of benefits and rewards programs. However, if you may decide to cancel the ICICI Bank Credit Card, closing the account can be done both online and offline.

How to Close an ICICI Bank Credit Card Account

To close the ICICI Bank Credit Card account, you can choose any of the ways mentioned below:

1. Request Online Cancellation 

You will have to submit the ICICI Bank Credit Card cancellation request online to initiate the process:

  1. Visit the official website of ICICI Bank

  2. Log into your ICICI Bank Credit Card net banking account using your credentials

  3. Under ‘Service Request’, scroll to ‘Credit Cards’ and select ‘Request for Cancellation of Credit Card’

  4. You will be redirected to a new page to enter all the mandatory details like card number, cancellation reason, etc.

  5. Submit the form to initiate the ICICI Bank Credit Card account closing procedure

 

The ICICI Bank executive will contact you within three working days to discuss your ICICI Bank Credit Card cancellation request. Once the details are duly discussed between the bank executive and cardholder, the team will cancel your ICICI Bank Credit Card. 

2. Email

You will have to write an email from your registered email address to ICICI Bank at customer.care@icicibank.com to discontinue ICICI Bank Credit Card services. It is mandatory to mention the following details in your email:

  • Name of the ICICI Bank Credit Cardholder

  • Branch details

  • Account number

  • Credit card number

  • Type of ICICI Bank Credit Card

  • Expiry of credit card

  • Reason for cancellation/ credit card deactivation

  • Registered mobile number

 

The ICICI Bank executive will contact you within three working days to discuss your ICICI Bank Credit Card cancellation request. Once the details are duly discussed between the bank executive and cardholder, ICICI Bank will cancel your ICICI Bank Credit Card.

3. Customer Care

You can also opt for customer care services for ICICI Bank Credit Card closure. You can contact the ICICI Bank Credit Card customer care centre between 7 am - 9 pm. The customer care executive will ask for certain credit card information like card number, cancellation reason, etc, to process your ICICI Bank Credit Card close request.

ICICI Bank Credit Card Customer Care

022-3366-7777/1800-1080

4. Written Request Form

You can also submit a written request form to close the ICICI Bank Credit Card. The request form can be submitted or couriered to the respective ICICI Bank branch or headquarters.

 

Following details should be mentioned mandatorily in the written request form to close ICICI Bank Credit Card:

  • Name of the credit card holder

  • Branch details

  • Account number

  • Credit card number

  • Type of ICICI Bank Credit Card

  • Expiry of credit card

  • Reason for cancellation/deactivation of the credit card

  • Registered mobile number

Things to Keep in Mind While Cancelling Your ICICI Bank Credit Card

While you can close your ICICI Bank Credit Card whenever you decide to, you will need to keep certain important things in mind. Check out what these important aspects are: 

1. Outstanding Balance

You need to check if there is any unpaid outstanding balance on your ICICI Bank Credit Card before you close it. Ensure that all the dues are paid in full, including any EMIs that you may have had on your credit card

2. Redeemable Rewards

If you have earned and accumulated any rewards that you have not yet redeemed, it may be a good idea to redeem them before you cancel your ICICI Bank Credit Card. 

3. Using the Card before Cancellation

It is best to avoid using your ICICI Bank Credit Card while you’ve decided to cancel it. This way, you can steer clear of taking on any new debt on your credit card and generating a new credit card statement. It will also delay the settlement of outstanding dues further. 

4. Automatic Debits and Payments

You may have set up automatic debits and payments on your credit card to clear certain recurring bills. Before you can cancel your credit card, you must deactivate any such automatic payments set up on the card. 

 

If you forget to do this, your payments would not go through once the card has been cancelled. 

5. Fraudulent Transactions

One last thing you must take care of before cancelling your ICICI Bank Credit Card is checking for fraudulent transactions, if any. Go through your most recent credit card statement and verify each entry in it to make sure there is no fraudulent activity involved. 

Does a Cancelled or Closed Credit Card Affect the Cardholder’s CIBIL Score?

When you cancel your credit card, your overall credit limit comes down. This, in turn, increases your credit utilisation ratio. 

 

Since it is recommended to keep your credit utilisation ratio within 30%, your CIBIL score may be impacted temporarily when you close your credit card. That said, if the credit card you are cancelling is the only card you have, your CIBIL score may not be affected. Overall, your CIBIL score can still be improved if you continue to pay your other dues on time.

How To Reactivate a Closed or Cancelled ICICI Bank Credit Card

You can reactivate your closed or cancelled ICICI Bank credit card through the customer care service of the bank. You need to call on the following customer care numbers:

  • 022-3366-7777

  • 1800-1080

 

You can also visit the closest branch of ICICI Bank and request for the reactivation of your credit card. To process your request, the bank will request you to submit the required paperwork and complete authentication processes.

Frequently Asked Questions

How can I close my ICICI Bank Credit Card?

There are four ways to close an ICICI Bank Credit Card - fill out the online request form, write an email, call customer care, or submit a request form.

How can I cancel my credit card online?

To cancel the ICICI Bank Credit Card online, you can either write a mail to ICICI Bank or submit an online request form via your net banking account.

Can I reactivate my ICICI Bank Credit Card?

You can reactivate your ICICI Bank Credit Card by visiting the closest branch office or contacting ICICI Bank Credit Card customer care through, 022-3366-7777 or 1800-1080. The bank executives will ask you to complete certain formalities and will reactivate your card.

Can the bank cancel my credit card without my permission?

The bank holds power to take any action against any inappropriate activity or transaction. However, the bank notifies you regarding their decision to cancel the card before its implementation.

Can I redeem my rewards after I cancel my credit card?

No. You cannot redeem your rewards after you cancel your ICICI Bank Credit Card.

Do I have to go to an ICICI Bank branch to cancel my credit card?

No, you need not visit an ICICI Bank branch in person to cancel your credit card. You can choose to download the cancellation form from the bank’s website instead. You then need to fill it in and submit it online. 

If I cancel my ICICI Bank Credit Card, will it be difficult to get another credit card?

Cancelling your ICICI Bank Credit Card may temporarily affect your credit score. This is because when you close a credit card, your total available credit limit decreases and your overall credit utilisation ratio increases. 

 

The average age of all the credit accounts in your credit report also reduces temporarily. However, if you continue to be prompt with the payments on your existing credit accounts, you can restore your credit score and get another credit card without any difficulty.

Is it possible to close my ICICI Bank Credit Card online?

Yes, you can deactivate the ICICI Bank Credit Card online through the official ICICI Bank website. You can call on the customer care numbers, 022-3366-7777 or 1800-1080 of the bank to request for the same.

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