How to Close SBI Credit Card Online and Offline

Closing a credit card can sometimes be part of reorganizing your finances, such as simplifying multiple active cards, consolidating rewards into a single issuer, or streamlining future repayments. Even when the card is functioning well, customers may prefer to reduce the number of open credit lines or maintain only those that align with their current spending plan.

If you are planning to close your State Bank of India (SBI) credit card, it is important to follow the correct steps to ensure the process is secure and error-free. This blog walks you through how to close SBI credit card using online and offline methods, along with key points to keep in mind before initiating the closure.

How to close SBI credit card online

1. Email

   • Send an email to customercare@sbicard.comfrom your registered email
   • Set the subject to ‘Request for Credit Card Cancellation’
   • Clearly state your cancellation request in the email
   • Add the following information to the email:
     • Last 4 digits of your SBI Bank credit card
     • Your full name (as per bank records)
     • Registered mobile number
     • Reason for cancellation
   • Recheck all details and send the email
   • Wait for SBI’s response within a few working days
   • Clear all dues, EMIs, and charges, if any
   • You will receive a final confirmation email after successful cancellation

2. SBI credit card ​mobile app

   • Download the SBI Card app from the Google Play Store or Apple App Store
   • Log in with your MPIN
   • At the bottom of the screen, tap on ‘Services’
   • In the card management session, click ‘Card Closure Request’
   • Select the card you want to close and choose the reason from the dropdown options
   • Click ‘Continue’ to move ahead with the card closure request
   • View the card closure details, tick the checkbox, and click ‘Continue’
   • Choose a date, time, and language to connect with a customer care representative
   • Or click ‘Skip’ to continue without scheduling a call
   • Type the OTP received and click ‘Submit’
   • You will get a notification once your request has been successfully submitted
   • Save the generated service request number for tracking the status

3. SBI Bank credit card portal

   • Visit the SBI credit card portal
   • Log in either using your mobile number / your User ID / card details
   • Go to the ‘Services’ section and select ‘Card Closure Request’
   • Submit your closure request
   • You will receive an interaction or reference ID for tracking the closure

Also Read: How to Download SBI Credit Card Statement​

How to cancel SBI credit card offline

1. Branch visit

   • Visit your nearest SBI branch with your credit card, PAN card, and ID proof
   • Request the SBI credit card closure form from the bank representative
   • Fill in the form carefully with your personal and card details
   • Submit the completed form along with supporting documents
   • SBI will verify your request and process the card closure
   • After submitting the request, you are required to cut your credit card diagonally

2. Customer care number

   • Dial the SBI credit card customer care number from your registered number
     • 1860 500 1290
     • 1860 180 1290
     • 39 02 02 02 (prefix local STD code)
     • 1800 180 1290 (toll-free)
   • Follow the IVR instructions to connect with a customer care representative
   • Request cancellation of your SBI credit card
   • Provide the necessary details, such as account and personal details, for verification
   • The representative will register your cancellation request
   • You will get an SMS or email confirmation within a few working days
   • Clear all pending dues, EMIs, and charges to proceed
   • Once dues are cleared, SBI will cancel your card
   • You will receive a final confirmation via SMS or email

3. Writing a cancellation request

   • Draft a handwritten cancellation letter
   • Mention your name, address, contact details, and the last 4 digits of your SBI credit card
   • Send the letter to:
     Manager – Customer Care Services
     SBI Cards & Payment Services Ltd
     DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3,
     DLF Cyber City, Gurgaon – 122002 (Haryana) India.
   • Wait for the bank to review and process your request
   • Once processed, cut your credit card diagonally to terminate the card

Note: Do not include confidential details, such as CVV or PIN, in the letter.

Also Read: How to Block SBI ATM Card

Things to check before closing or cancelling your SBI credit card

• Clear all outstanding dues, EMIs, or loans before requesting cancellation.
• Cancel any automatic payments linked to your credit card to avoid failed transactions or penalties.
• Review your latest SBI credit card statement and report any fraudulent transactions immediately.
• Avoid making new purchases on the card once you plan to close it.
• Redeem all accumulated reward points or bonuses before closure.
• Be aware that cancelling the card may impact your credit limit and credit score.
• Retain the card until you get confirmation of cancellation, then cut it diagonally to prevent misuse.
• Remember that add-on cards linked to the primary card will also be cancelled.
• Request and save the official cancellation confirmation for future reference.

How to reactivate a closed SBI Bank credit card

1. Customer care number

   • Call 1860-500-1290, 1860-180-1290, or 39-02-02-02 (prefix your local STD code)
   • Request the customer care representative to reactivate your SBI credit card

2. ‘Write to Us’ portal

   • Go to the ‘Email Us’ option on the SBI credit card portal
   • Log in and open the online enquiry form
   • Enter your details and mention your credit card reactivation request
   • Click ‘Submit’ to complete the process

The State Bank of India offers multiple online and offline ways to submit your credit card cancellation request. You can close your SBI credit card using the mobile app, the official portal, or by sending an email request. You can also close it offline by visiting the nearest branch, calling customer care, or submitting a written application.

Before proceeding with how to close SBI credit card, cardholders should clear all outstanding dues, redeem accumulated reward points, and cancel any active auto-debit instructions. If you are exploring your next credit card or other financial options, platforms such as Quid help simplify comparisons across personal loans, business loans, and credit cards based on your individual financial needs.

Frequently asked questions

1. How to close SBI credit card?

   You can close your SBI Bank credit card online via email, the SBI Card app, or the portal, or offline by visiting a branch, calling customer care, or sending a written request.

2. Can my SBI Bank credit card be closed without my request?

   Yes, SBI Bank may close or permanently block your credit card without your request due to prolonged inactivity, repeated payment defaults, or violations of the card terms.

3. Will cancelling a credit card affect my overall credit limit?

   Yes, closing your credit cards may reduce your total credit limit. Even if you pay on time, it can make your credit usage look higher and may hurt your credit score.

4. Will my reward points or bonus points be lost after I cancel my SBI credit card?

   Yes, you will lose all unredeemed reward points or bonuses once the card is cancelled.

5. When will my SBI credit card be considered closed?

   The bank considers your SBI credit card closed once it issues written confirmation of the account closure. Your credit report will reflect the updated status within 1 to 2 months after the bank completes the closure process.