Cancel or Close your SBI CARD online via website, offline via email and Toll free Numbers ...
Close your SBI Credit Card :
Are you finding it difficult to manage your SBI Credit Card and looking to close or cancel it? If yes, you have on the right page where you can find ways to close your SBI Credit Card.
Though credit cards play major role in the world of finance, some people find it hard to maintain them while some of them feel the urge to opt for a different card.
In such situations, card holders should close or cancel their credit card that they want to stop using. This involves a very simple process of closing or canceling your SBI Credit Card. You can close it either Online or Offline.
Note: You don't have to pay unnecessary fees or charges to close your SBI Credit Card.
Ways to Close SBI Credit Card Online:
Cancel SBI Credit Card Online through Internet Banking:
To close your SBI Credit Card Online, you just need to send an email from your SBI Internet Banking account to the official SBI Email ID that is www.sbicard.com/email
Once the request is sent and acknowledged by the SBI, you would receive a unique interaction ID to your registered mobile number. Then the SBI bank will get in touch with you for further details to close your SBI Credit Card.
Close SBI Credit Card by Calling SBI Customer Care:
You can cancel SBI Credit Card by calling customer care helpline numbers.
1860 180 1290
1860 500 1290
1800 180 1290
3902 0202 (local STD code as prefix)
Once the call is connected, the SBI Credit Card agent will ask you for a few details to authenticate your credit card. After successful validation, your request to deactivate SBI credit card will be processed.
Ways to Close SBI Credit Card Offline
Cancel SBI Credit Card by writing a letter to the SBI Bank:
To request the closure of your SBI credit card, you can write a letter to the bank and send it via post to SBI's official address. You can post the letter to the below address:
SBI Card,
PO Bag 28,
GPO, New Delhi 110 001
In the letter, you should mention all the relevant details pertaining to your credit card account, such as your name, credit card number, account number, credit card expiry date, and so on along with your written request. It is recommended to avoid sharing your confidential information of the card like credit card PIN or CVV number in the letter.
Close SBI Credit Card by visiting the nearest SBI Branch:
You need to visit the nearest SBI branch and contact the bank official to request to close your SBI credit card. It is important to carry all the relevant document along with the SBI Credit Card that you want to close.
Things to Check before Canceling or Closing an SBI Credit Card:
Though users can cancel or close their credit card anytime they want to, there are a few points which you should check before initiating the process of cancelation. We have listed the checklist for you to check the same.
- Clear all your pending SBI Credit card loans, or outstanding dues, or EMI against your SBI credit card that you want to close or cancel.
- The bank will notify you regarding any penalties that you may be charged for by sending you a letter.
- If you have set up any automatic payments on your credit card, cancel them.
- You should check for reward points on your card if you haven't used any.
- You can redeem the unused reward points within 45 days of cancelation of the card.
- Advised not to make any new purchases on your SBI credit card once the closure request has been made and all the dues have been cleared.
- For proof, request for a confirmation from the bank, stating that the cancelation of your SBI Credit Card has been successful.
- Your SBI Credit Card cancelation will be effective only after your have cleared all your outstanding payments on the credit card.
- It is not advisable to use the credit card just before initiation of the cancelation process because it will generate a statement of payment that you will need to pay. Also, the bank will not approve the cancelation request if there is a fresh payment due on it.
Will cancelling or closing credit card have an effect on your CIBIL Score?
If you have multiple credit cards and choose to cancel one of them, then the amount of credit available will be reduced to some extent. This in turn may have certain effects on your finances. The below are a few which can be included in the effects.
- Total credit available will be reduced
- If you are unable to reduce the expenses, then the credit utilization ratio will be increased significantly
- Due to the increase in credit utilization ratio, the credit score will be low
- Low credit score means that your average credit history will also be lowered
- This leads to have a negative impact on the CIBIL score.
If you cancel or close your primary SBI Credit Card, then it will lead to the termination of all add-on cards. If you have only one credit card and wish to close or cancel after paying all the dues on it, then you can do it without disturbing your credit score.
Can I Reactivate a Closed SBI Credit Card?
You can call the bank directly on their SBI Credit Card Helpline number at 1860 180 1290 or 39 02 02 02 (by using the local STD code as prefix). You can also write an email to them at sbicorporate.services@sbicard.com. After completing the required documentation and formalities the bank will reactivate your closed or cancelled SBI Credit Card.
Frequently Asked Questions
What points needed to be taken care of before initiating the process of closing my SBI Credit card account?
First, you should make sure that all dues are cleared on the card. Do not use the card before and after the initiation of the process. Also, ensure to not share any sensitive information like your Credit Card PIN, CVV number with the bank. When you are throwing the card make sure you cut it diagonally and then throw it.
Does the bank notify me if I do not clear my payments before initiating the cancelation of my SBI Credit Card?
Yes, the bank will notify to clear your outstanding bill payments on the card. It is your responsibility to clear the dues before you initiate the closure of your SBI credit card. If you have any dues in pending on the card, then you cannot cancel the SBI Credit Card.
Do I need to cancel my add-on cards separately?
If you are canceling your primary SBI Credit card, then all the add-on cards are closed automatically and they will be non-functional.
Can I reuse the same SBI Credit Card after re-activating the card?
No, once you close your SBI Credit Card, it will become invalid and cannot be used.
When will my credit card account gets closed by the SBI?
Once your credit card account is closed successfully, SBI bank will send you a written confirmation. Your credit report will also display the closure of your SBI Credit Card account.
How do I cancel my credit card online
To close your SBI Credit Card Online, you just need to send an email from your SBI Internet Banking account to the official SBI Email ID that is sbicard.com/email
Close your SBI Credit card via Toll free Number ?
You can cancel SBI Credit Card by calling customer care helpline numbers.
1860 180 1290
1860 500 1290
1800 180 1290
3902 0202 (local STD code as prefix)