You can close an SBI credit card using various methods, such as online, SMS, customer care, email, or by visiting a branch. Each method has its steps, making it easy for users to choose the most convenient option.
Whether you prefer to close an SBI credit card online or without login, this guide provides a detailed step-by-step process. Follow the instructions carefully to ensure a smooth closure process. Let’s explore each method carefully.
Table of contents
- How to Close an SBI Credit Card Online?
- How to Close an SBI Credit Card by Calling Customer Care
- How to Close SBI Credit by Email?
- How to Close SBI Credit Card Without Login?
- Visiting an SBI Branch to Close the Credit Card
- Important Considerations Before Closing Your SBI Credit Card
- Steps to Reactivate a Closed SBI Credit Card
- FAQs
How to Close an SBI Credit Card Online?
If you prefer a hassle-free digital method, you can close your SBI credit card conveniently through the SBI Card website or mobile app. This method is quick and secure and allows you to initiate the SBI credit card closure process from the comfort of your home.
Follow these simple steps:
- Log in to SBI Credit Card Portal: Visit the SBI Card website or open the SBI Card mobile app and log in with your credentials.
- Navigate to Card Closure Request: Go to the “Services” section and select “Card Closure Request.”
- Choose Your Credit Card: If you have multiple SBI credit cards, select the one you wish to close.
- Provide a Reason: Choose a reason for closing the credit card.
- Accept Terms & Submit: Read and accept the terms and conditions before submitting your request.
This method is quick and ensures that your request is officially recorded.
How to Close an SBI Credit Card by Calling Customer Care
You can easily close your SBI credit card by calling the SBI credit card close number. This method is quick and allows you to speak directly with a customer care representative for assistance.
Follow these steps to ensure a smooth closure process:
- Dial SBI Credit Card Customer Care at 1860-180-1290, 1860-500-1290, or 39-02-02-02 (prefix local STD code).
- Provide your credit card details and request closure.
- Follow the instructions given by the customer service representative.
- Make sure to request a closure confirmation.
Also Read: Learn about the top 12 SBI credit cards with lounge access and enjoy stress-free travel with premium lounge visits and free Wi-Fi.
How to Close SBI Credit by Email?
Emailing SBI’s customer support is a simple and effective way to close your credit card. This method allows you to initiate the request without visiting a branch or calling customer care. Here’s how you can close a personal or SBI student credit card via email-
- Compose an email to [email protected].
- Mention your credit card details (last four digits), registered mobile number, and a reason for closure.
- Request written confirmation of the closure.
- Wait for a response and follow any additional instructions provided.
You can draft an email with the subject line: “Request for SBI Credit Card Closure.” In the email body, include the following details:
- Your full name (as registered with SBI Card).
- Your registered mobile number.
- The last four digits of your SBI credit card.
- A clear request for card closure, specifying that you wish to permanently close your account.
- A brief reason for closure (optional but recommended).
- A request for written confirmation of the closure.
Ensure that you send the email from your registered email ID to avoid verification delays. Wait for a response from SBI customer support, and follow any additional instructions provided.
How to Close SBI Credit Card Without Login?
If you do not have access to your SBI Credit Card login, you can still close your credit card using alternative methods. SBI provides multiple offline options to ensure a seamless closure process without needing to log in online.
- Call SBI customer care and request closure.
- Send an official email as mentioned above.
- Visit the nearest SBI branch and fill out the credit card closure form.
Visiting an SBI Branch to Close the Credit Card
If you prefer an in-person method, visiting an SBI branch is the best option. This method ensures that your request is processed directly by a bank representative, minimizing delays. Follow these steps to complete the process smoothly:
- Visit the nearest SBI branch.
- Request a Credit Card Closure Form from the bank representative.
- Fill in the required details and submit the form.
- The bank will process your request and confirm the closure.
Important Considerations Before Closing Your SBI Credit Card
Before proceeding with the closure, it is essential to take a few important steps to avoid any complications. Ensuring all financial and procedural aspects are addressed will help in a smooth and hassle-free closure.
Here are some key considerations to keep in mind:
- Clear Outstanding Dues: Ensure that all pending payments and EMIs linked to the card are cleared, including any additional fees for exceeding the SBI credit card cash withdrawal limits.
- Redeem Reward Points: Use your accumulated reward points before initiating the closure process.
- Check Automatic Bill Payments: If you have set up any automatic payments (such as OTT subscriptions or utility bills), update them to avoid payment failures.
- Closure of Add-on Cards: Any add-on cards linked to the primary SBI credit card will be automatically deactivated after closure.
- Request Confirmation: Always ask for a closure confirmation email or SMS to avoid any future discrepancies.
Also Read: Discover the SBI Debit Card Lounge Access for various cards and also learn about their eligibility, benefits, fees, and how to apply today!
Steps to Reactivate a Closed SBI Credit Card
If your SBI credit card has been closed, but you wish to use it again, the State Bank of India (SBI) allows reactivation through simple procedures. Reactivating your card can help you regain access to its benefits, rewards, and credit limit. SBI provides two easy ways to reactivate a closed credit card:
Reactivating via Customer Care
The quickest way to request reactivation is by contacting SBI’s customer support. Follow these steps:
Call SBI Credit Card Customer Care at:
1860-500-1290
1860-180-1290
39-020202 (Prefix your local STD code)
- Inform the representative that you wish to reactivate your closed SBI credit card.
- Provide the necessary card details for verification.
Once your request is processed, SBI will review your eligibility and, if approved, reactivate your card.
Reactivating via the ‘Write to Us’ Portal
If you prefer an online method, you can submit a reactivation request through SBI’s official portal. Here are the steps to reactivate via the online portal:
- Visit the SBI Credit Card website and navigate to the ‘Email Us’ or ‘Write to Us’ section.
- Log in to your SBI Credit Card account.
- Open the Online Enquiry Form and select the option for credit card reactivation.
- Provide the required details and briefly state your reason for reactivation.
- Click ‘Submit’ and SBI will process your request.
Important Note: The approval of your request depends on your credit history and SBI’s internal review. If reactivation is declined, SBI may suggest applying for a new credit card instead.
This was all about closing an SBI credit card. Need more help closing your SBI credit card? Contact SBI customer care, visit their official website, or check out the FAQs below.
FAQs
Closing a credit card means permanently deactivating your credit account, preventing further transactions while ensuring all dues are cleared.
You can close your SBI credit card through online banking, email, customer care, SMS, or by visiting the nearest SBI branch.
Yes, you can close your SBI credit card online by logging into the SBI Card portal or mobile app and submitting a closure request.
To permanently close your SBI credit card, ensure all outstanding dues are cleared, redeem reward points, and request closure through online banking, customer care, email, or an SBI branch.
Once closed, your SBI credit card details remain in the bank’s records. However, after a period of inactivity, it is removed from active credit reports.
SBI does not allow direct credit card closure via SMS. However, you can check outstanding dues by sending “BAL XXXX” (the last four digits of your card) to 5676791 before initiating closure.
Call 1860-180-1290, 1860-500-1290, or 39-02-02-02 (prefix local STD code), provide your card details, and request closure.
You can close your SBI credit card by calling customer care, emailing [email protected], or visiting the nearest SBI branch with a closure request.
Closing your credit card may impact your credit score, increase your credit utilization ratio, and lead to the loss of reward points and add-on benefits.
Once you close your SBI credit card:
– The card becomes inactive, and no further transactions can be made.
– Any linked automatic payments will stop, so update billing details if necessary.
– Your credit score may be affected due to changes in credit utilization and credit history.
– SBI will send a confirmation via email or SMS; keep it for future reference.
Yes, you can transfer your outstanding balance to another credit card with a lower interest rate before closing your SBI credit card. This is called a Balance Transfer, and it helps manage repayment more efficiently. Check with your new credit card provider for transfer eligibility and charges.
Ensure all dues are cleared, reward points are redeemed, and auto payments are canceled before closing your SBI credit card.
Yes, you can reactivate your SBI credit card by calling customer care or submitting a request via the ‘Write to Us’ portal on the SBI Card website.
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