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An SBI credit card unlocks a plethora of benefits including e-commerce discounts, cashback, freebies, and exclusive access. Across its catalogue, the State Bank of India or SBI Card offers some exciting credit card offerings. However, not everyone has a pleasant experience with credit cards and if you are one of those who hasn’t, you will appreciate our step-by-step guide on how to close an SBI credit card, which means cancelling the card with no further billing cycles. Read on for more.
How to Cancel an SBI Credit Card?
In order to process your SBI credit card closure, you will need to intimate your SBI Card through their customer service portal. You can do this online using their contact form or customer support email ID, or by calling the SBI Card helpline number. Here You Can Also Check how to track SBI credit card status & Check cash withdrawal charges on SBI credit card
Things to Check Before Closing or Cancelling an SBI Credit Card
Before you close your SBI credit card account, please ensure these things are sorted out.
- Check and clear all dues: Obviously, the first thing to do before cancelling your SBI credit card is to check and clear your pending bills and due amounts. If you don’t do that, the closure could be rejected.
- Reward points: Make sure you redeem all your SBI Rewardz to take full advantage of your credit card before its closure.
Different ways to close an SBI credit card account
- Write to SBI Card: You can send a physical letter to the following address for closure – SBI Card, PO- Bag 28, GPO, New Delhi-110001
- Call the helpline: You can also call SBI Card on 1860-180-1290 or 39-02-02-02 (prefix local STD code) to close the SBI credit card.
You will need to share details including name, address, card number, and concerning contact details. Please do not share any sensitive information such as CVV or OTP or PIN, even if the request is for credit card cancellation.
Once you put in a request for credit card cancellation, you would be required to cut your credit card diagonally to prevent any future use. Do note that account closure will be subject to clearance of previous dues. Your account will only be considered closed when all outstanding balances are cleared with the bank.
How to Reactivate Cancelled SBI Credit Card?
Not many may be aware, but you can reactivate a cancelled SBI credit card as well. To do this, either write to them at sbicorporate.services@sbicard.com or call them on the above helpline numbers – 1860-180-1290 or 39-02-02-02 (prefix local STD code). Once your documents and eligibility are satisfied, SBI Card will open and reactivate your credit card account.
Will a Cancelled SBI Credit Card Affect Your Credit Score?
Usually, credit card closure affects credit score is dependent on how old the account is. If the account is one of your older ones, the average age of your account could go down and end up reducing the score by a bit. Furthermore, it will also reduce your total credit limit by a bit. However, these changes are generally temporary and should be back to normal in case you decide to open another credit card account or continue regular repayments and utilisation of existing ones. Here You Can Also Check: How to change mobile number in SBI credit card
FAQs
How can I close my SBI credit card permanently?
To close your SBI credit card, you can mail your details to SBI Card or reach out on their helpline number. Once done, cut your card diagonally to ensure no fraud usage in the future.
How can I close my SBI credit card online?
You can follow the below steps to close your SBI card online.
1. Write to SBI Card: You can send a physical letter to the following address for closure – SBI Card, PO- Bag 28, GPO, New Delhi-110001
Or
2. Call the helpline: You can also call SBI Card on 1860-180-1290 or 39-02-02-02 (prefix local STD code) to close the SBI credit card.
Cut your card diagonally once all outstanding payments are clear
How can I close my SBI credit card by SMS?
While you can’t close or cancel your SBI credit card through SMS, you can certainly block it when you detect a suspicious transaction. To do this, simply SMS BLOCK XXXX to 5676791 from your registered mobile no. (XXXX are the last 4 digits of your SBI credit card).
