Citibank credit cardholders can cancel their Citi credit cards at any time irrespective of the reasons. However, card members need to take of a few things even before submitting their request for Citibank credit card cancellation. If you’re looking for the process to terminate your card membership with the bank and the precautions you need to take before raising the request, continue reading.
Process To Close Or Cancel Citibank Credit Card
Citibank credit card customers can follow two methods to cancel their credit cards
By calling CitiPhone - Citibank’s helpline
By sending a written request to Citibank
Call Citibank helpline to cancel Citibank credit card: Citibank credit card customers can call the bank’s 24-hour helpline to cancel their membership with the bank.
Citibank credit card helpline
1860 210 2484 (For callers within India)
91 22 4955 2484 (For callers outside India
The helpline is not toll free and standard call charges apply.
Sending a written request to cancel Citibank credit card: Citibank customers can also raise a written request for cancellation of Citibank credit card. The written request must include the cardholder’s name, contact details, credit card type and number. There is no need to mention any sort of sensitive details such as CVV, card PIN or expiry date. All the written requests should be sent to the below address either through ordinary post or registered post.
For ordinary post
For registered post
P.O. Box No. 4830,
Anna Salai post office,
Chennai - 600 002.
Mail Room, Acropolis,
New Door No.148 (Old No.68),
Dr. Radhakrishnan Salai,
Chennai - 600 004.
Things To Know Before Closing A Citibank Credit Card
There are a few things every credit card holder needs to know before raising a request for cancelling a Citibank credit card. Implementing whichever is applicable will help them have a smoother separation from the bank.
Once Citibank receives a request for credit card cancellation or closure, it will convert the entire outstanding due on the card, pending loans, EMI facilities, balance transfers and any other charges into due. Until and unless the cardholder clears all the pending dues, the credit card account will not be closed. As per the credit card cancellation terms and conditions, as soon as the card member applies for card cancellation he/she agrees to immediately pay the total outstanding due on the card. Hence, it’s mandatory to clear the dues to cancel the card.
Any unused reward points on the credit card should be redeemed within 45 days of card closure. The points can be redeemed to clear the dues on the card or against any gift vouchers listed in the bank’s rewards catalogue.
After raising a request for card closure, the dues on the credit card cannot be transferred to another credit card.
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When Can Citibank Cancel A Credit Card?
Not only that a Citibank credit card users can close their credit card at any point of time, the bank possesses equal rights to terminate the membership of a cardholder for various reasons. The bank at its discretion can cancel all or some privileges of the credit card at any time without even giving any notice to the cardholder or without providing any reason.
Some instances when Citibank can cancel a credit card, as mentioned in its terms and policies, are as follows.
If the Citibank credit card remains inactive without any transactions or not in operation for more than 12 months or for a prolonged period of time, the bank may exercise its right to cancel the card along with other credit cards linked to it such as any add-on or supplementary cards issued to family member of the cardholder.
The bank may also close the card without notice if the payments are not made after 30 days from the due date, cheque bounces, improper use of credit card for foreign exchange trading and other illegal activities, discrepancy in the documents or information provided during application, not providing required documents as mandated by the law, the bank, the RBI, or other regulations, etc.
How To Re-active Or Re-apply For A Closed Citibank Credit Card
Request to reactivate a closed Citibank credit card can be raised if the Citibank cardholder cancels the card by himself/herself. However, the request to re-active the card will be processed as per Citibank’s internal policies and the decision to approve or reject the request is at the sole discretion of the bank.
To re-active a cancelled Citibank Credit Card, the cardholder should send a written request to the bank along with a copy of identity proof and a passport size photograph. The documents acceptable as identity proof include PAN card, Aadhaar card, passport, driving license and Voters ID. The written request along with the aforementioned documents can be sent either through e-mail or postal mail.
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How to Close or Cancel Citibank Credit Card Reviews
CITI has provided good offers and benefits on 2 months before. So I chosen this card and applied through online. It is annual fee chargeable of 500 rupees bu there is waiver off option if I spend 30K within a year. The credit limit is 65K. There is EMI conversion avail for this card.
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Reviewed on Mar 21, 2020
CITI Bank provide very good customer services and it has been the best in the response. They have offered me a credit card of Rs. 1L and I have used it much for shopping purchase , restaurant,EB bill payment, rent payment using this card and amazon voucher monthly i am getting in this card.
I have applied CITI card applied through online process and I have submitted documents both on line and also the bank agent came and collect the hard copy of documents.I got the card on time. The processing fee and charges was good.The only benefit that i got from the card is only if I swipe it for petrol bunk.
CITI has offered an annual fee of 1000 rupees but there is an option of waiver option if I spend 30K within a year. I got a call on time, the process was smooth hence I received the card by 6 working days along with kit. The credit limit is sufficient and I get reward points based on usage. The benefits is good I get reward points and cash back. EMI conversion is applicable.
I am using CITI card for the past 2 months and the credit limit was less it was 56,000 and not faced any drawbacks .This was a free card and having fuel benefits since it was Indian oil card .I have submitted the required documents through agent. I have chosen this card since bank service was good.
This is a Reward credit card, since 2007 i am holding with CITI Bank and this card has much benefits like reward points some discounts and more. I can redeemed points on indian oil petrol and this is a free card, they given a sufficient credit limit of Rs. 3L. EMI options are available and mostly using this for shopping and fuel purpose. Quarterly i am getting airport lounge access 2 domestic and 1 international.
CITI has provided an annual fee chargeable of 3K and there is no waiver off option. The process was good. Within 20 days got the card. The credit limit is very low, around 1L was expected but got only 60K. The cash limit is 15K. I done first payment without any issue. I use this card for daily purpose and got good reward points. I done less transaction of up to 10K only so I haven't EMI conversion yet.
I got an annual fee chargeable card of 1000 rupees from CITI but if I spend 30K within a year fee will be waiver off. The credit limit is good and sufficient. I received the call on time and received the card by 2 weeks. Since already am using other bank card so chosen this bank. I use for Swiggy and shopping.
CITI customer service was good. The documentation was collected by an executive directly. Within 1 week I received the card. They have given 2 options with free card or fee card, I got more features more benefits in with fees card. So I preferred for that. The credit limit is not sufficient from Paytm i am getting movie ticket free monthly 2 tickets.
The rate of interest was very high in CITI Bank, need to decrease the interest rate. They given a sufficient credit limit and there are some annual charges and i think 500 wavier is there. I am getting cash back for all purchase and it was very simple process.
CITI customer service is good to the customer. But only the drawback was I am unable to change the pin number in mobile app, and cannot login the user name and password. At the time when I was applied this card no one as given information about card details. The credit limit is given of 85K.
This is a excellent credit card given by CITI Bank and there is a no doubtful. I am getting more reward points and the limit is sufficient they given 100% satisfied credit limit. I am using for online shopping, bill payment and the annual charges are applicable card.
I have not used CITI bank card I have got the card on delay basis it took more than 1 week .They have tried to deliver at home but at that time none was there , due to this reason it got delayed .The credit limit was sufficient and this was a chargeable and have minimum spend limit if spend the amount within the limit then the charges will be waived off.
I have applied CITI Bank credit card which was applied through online and I am using this card more than 2 months. Card statement I am getting through Email and they given a low credit limit i informed to increase the limit. I use to travel a lot so i am using for fuel purpose vehicle and diesel. Annual fees is 4999 may be wavier if i use this card 40k in a year, no need to pay the annual charges and the interest rate was high.
I got a credit card from CITI through online. The process was done on smooth. The credit limit is 51K which is sufficient for my need. I received the card by 10 working days. It is an annual fee and joining fee are applicable around 500 + plus GST. I am using this card for certain purpose.
I am holding CITI card for past 4 years which was applied through bank. The credit limit is sufficient, at initial they have given of 1L now increased up to 1.50L, the cash limit is 10K. EMI conversion is applicable. If I use 30K in a year no need to pay annual fee charge of 500 rupees. I use to do online transaction, what ever offer they are providing is good. I get reward points. It is Rewards card.
Documentation was very simple in CITI Bank, they have done a spelling mistake in my name so i have returned that card. After that they have send me a new card with the correct spelling, i am happy with the credit limit of Rs. 60k which is a zero annual charge card. This is a Indian oil card mostly i am using for petrol, hotel booking and for major things.
I am using CITI Bank credit card regularly actually i am spending some amount so it was a free card. I am fine with the credit limit of Rs. 52k and i am using for all purpose. EMI facilities are available but its not required for me. This bank has a good documentation process .
I have not used CITI bank credit card much. It is mostly used for my shopping and i have chosen this card since got the offers and the credit limit was very less it was Rs.50,000 and i am paying the credit card bill through online .I am getting otp for each transaction. I have not faced any issues on using this credit card .
I have not faced any difficulties so far on using CITI BANK credit card. I have not used the card much did only one transaction so far .This was a free card and it has fuel benefits and airport lounge access. I am mostly using for shopping, its good and got the card without any delay.