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, there may be instances where customers wish to close or cancel their credit cards, whether due to personal preferences or difficulties in managing multiple cards. ICICI Bank understands this and provides simple and convenient methods for cardholders to close or cancel their credit cards. In this article, we will guide you through the process of closing your ICICI credit card, ensuring a smooth and hassle-free experience.

How To Close ICICI Bank Credit Card Online? 

• Step 1: Log in to ICICI Net Banking with your User ID and Password.
• Step 2: Navigate to "Customer Service," then "Service Requests," and select "Credit Cards."
• Step 3: Select "Request for Cancellation of Credit Card."
• Step 4: Enter your credit card number (last 4 digits), cancellation reason, mobile number, and email ID.
• Step 5: Click "Submit" to initiate the cancellation process.
• Step 6: Wait for a bank representative to contact you for confirmation and further processing.
• Step 7: Card cancellation will be completed within 7 working days.

How To Close ICICI Bank 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.
• 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: Place a cancellation request. Upon placing a cancellation request, you can expect a confirmation from a bank representative within the next couple of working days. 
• Step 3: 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 other required personal details.

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 before initiating the cancellation request.
• Once the cancellation process has been initiated, avoid using credit cards to make payments.

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 To Reactivate Cancelled ICICI Bank Credit Card?

To reactivate or re-apply your closed or cancelled ICICI Bank credit card, you need to call the customer service number at 1800-1080. A bank representative will further guide you on how to proceed with documentation and authentication requirements. Upon following the instructions, your ICICI credit card will be reactivated or re-issued. 

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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