How to Close or Cancel ICICI Credit Card?

ICICI Bank is a prominent credit card issuer in India, offering a range of cards tailored to meet the diverse needs of its customers. However, customers may want to close or cancel their credit cards due to personal preferences or difficulties in managing multiple cards. ICICI Bank provides different ways to close or cancel ICICI credit cards.

Key Highlights:

• Ways to close ICICI credit card: Logging into Net banking account, iMobile app, sending email, calling customer care or visiting bank branch
• Time taken to close ICICI credit card: 7 working days
• Effects of closing ICICI credit card: Slight dip in the credit score
• Reactivation of cancelled ICICI credit card: Once card is closed, it cannot be reactivated.

How to Close ICICI Credit Card Online? 

Via Net Banking

Step 1: Log in to ICICI Net Banking with your User ID and Password.

Step 2: Navigate to "Cards" and select "Credit Cards".

Step 3: Select "Manage Your Credit Card".

Step 4: Click “View All” and click “Cancel My Credit Card”. 

Step 5: Enter your credit card number (last 4 digits), cancellation reason, mobile number, and email ID.

Step 6: Click "Submit" to initiate the cancellation process. 

Step 7: The bank will verify all outstanding charges, including late payment fees and unbilled transactions.

Step 8: If there are no dues, card cancellation will be completed within 7 working days.

You may receive a call or SMS to confirm card closure, and the status will be shared with the credit bureaus within 30 days. Once the closure is confirmed, cut your physical card and discard it.

Via iMobile App

Step 1: Download and open the ICICI iMobile app. 

Step 2: Log in using your MPIN or biometric authentication.

Step 3: Click on the Cards menu and select the credit card you want to close from the given list.

Step 4: Select the “Credit Card Cancellation” or “Closure” option under “Services”.

Step 5: Check the credit card number (last 4 digits) and verify it. Enter the reason and “Confirm”.

Step 6: The bank will check pending dues, EMI conversions, or unbilled transactions.

Step 7: If there are no dues, card cancellation will be completed within 7 working days.

You may receive a call or SMS to confirm card closure, and the status will be shared with the credit bureaus within 30 days. Once the closure is confirmed, cut your physical card and discard it.

How to Close ICICI Credit Card Offline? 

Via Bank Branch

Step 1: Visit the nearest ICICI Bank branch where your account is held.

Step 2: Request a credit card cancellation form from the bank.

Step 3: Complete the form with accurate details. Submit the ID proof, such as Aadhaar card or PAN card.

Step 4: Submit the filled form to the branch.

Step 5: Ensure all outstanding dues, including EMIs, are cleared before submitting the form.

Step 6: Wait for the bank to contact you for cancellation confirmation.

Step 7: Receive final confirmation once the bank has processed your cancellation request.

Via Customer Care

Step 1: Dial the ICICI customer care number - 1800-1080. 

Step 2: Listen to IVR and choose “Credit Card Cancellation” option. 

Step 3: Provide the card’s last 4 digits and confirm personal details.

Step 4: Upon placing a cancellation request, you can expect a confirmation from a bank representative within the next couple of working days. 

Step 5: Clear all your outstanding dues on your credit card, after which the bank will proceed to cancel the ICICI credit card.

Via Email

In addition to contacting ICICI Bank’s customer care team, customers can also request to close the ICICI credit card via email. To do so, they need to send a request from their registered email ID to the official email ID of ICICI Bank, which is customer.care@icicibank.com. 

In the cancellation request, customers must specify the last 4 digits of their credit card along with reasons for closure and other required personal details, such as full name and registered mobile number. Ensure all outstanding dues, including EMIs, are cleared before sending the closure email.

Things to Know Before Cancelling ICICI Credit Card

Here are a few things you need to keep in mind before closing or cancelling your ICICI credit card:

• Use all the reward points associated with the credit card you want to close or cancel.
• Pay all the outstanding dues of such a credit card, including EMIs, interest, and unbilled transactions, before initiating the cancellation request.
• Once the cancellation process has been initiated, avoid using credit cards to make payments.
• Update/ change automatic payment method such as utility bills, OTT, or shopping apps to avoid payment failures.
• Check the latest statement to review recent transactions and ensure that there are no pending disputed or unknown charges.

Effect on Credit Score Upon Cancelling ICICI Bank Credit Card

Generally, if an individual holds only one credit card and decides to close or cancel it, it may not significantly affect his/her credit score. On the other hand, cancelling a credit card can impact the credit score if the cardholder possesses multiple cards. Once the cancellation request is processed, the combined credit limit available with the cardholder decreases. As a result, the credit utilisation rate increases, causing a negative impact on the CIBIL score.

How Long Will It Take to Close ICICI Credit Card? 

After submitting the request to close ICICI credit card, the bank will process and complete the closure within 7 working days if there are no outstanding dues. The closure request may not be processed if your card has outstanding dues, unpaid EMIs or any unbilled amount. Thus, check your latest statement and clear any dues before submitting the closure request.

How to Confirm ICICI Bank Credit Card Closure?

Once you submit the request for ICICI Bank credit card closure, you may receive a confirmation call or SMS from ICICI Bank. The bank will verifiy your details and confirm if you want to close the card account. You can confirm if the bank has closed your credit card account by:

• Calling the customer care number at 1800-1080 and providing your card's last 4 digits to confirm the closure status.
• Loggin into ICICI Net Banking and confirming that the credit card does not appear under active cards.
• Checking your credit report after a month to confirm the card status shows ‘Closed’.

Common Issues Faced While Closing ICICI Bank Credit Card

You may face delays while closing your ICICI credit card due to the following:

• Your closure request may be rejected due to any unbilled transactions or minor interest charges. Thus, clear all the dues before initiating the closure request.
• Ensure the active EMIs are fully cleared as any pending instalments may prevent the bank from processing card closure request.
• Bank's customer care may offer fee waivers or upgrades to retain the card. Confirm in the call of your decision to close the card.
• Sometimes credit reports may show ‘Active’ even after a month of card closure. Check your credit report after one month to ensure the bank has informed the credit bureaus to close the card. 

How to Reactivate Cancelled ICICI Bank Credit Card?

Once the ICICI Bank credit card is closed, it cannot be reactivated. However, you can apply for a new ICICI Bank credit card to continue enjoying card benefits.

This was all about how to close ICICI credit cards. Regardless of the method you choose for credit card closure, it is important to consider its impact on your CIBIL score. Additionally, you must ensure that you utilise any reward points and clear any outstanding dues before initiating the closure process.

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