Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • How to Close or Cancel Citibank Credit Card

    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

    1. By calling CitiPhone - Citibank’s helpline
    2. 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
    Citibank N.A., P.O. Box No. 4830, Anna Salai post office, Chennai - 600 002. Citibank N.A., Mail Room, Acropolis, 9th floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, 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.

    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.

    • E-mail ID for Citibank card re-activation request -
    • Postal address for Citibank credit card re-activation request
      • P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002.

    Once the bank receives the request along with valid documents, the re-activation request will be reviewed.

    FAQs on How to Close or Cancel Citibank Credit Card

    1. Can I redeem reward points even after closing my Citibank credit card?

      Reward points can be redeemed after the card has been closed as long as it is redeemed within 45 days from the closure date.

    2. Can I reactivate a Citibank credit card that I had closed?

      You can request for reactivation of a Citibank credit card that has been closed but approval for this is subject to the bank's discretion.

    3. Should I visit a Citibank branch to cancel my Citibank credit card?

      While you can cancel your Citibank credit card by submitting an application at the bank's branch, you can also do so by calling the bank's helpline number which is 1860 210 2484 for within India and 91 22 4955 2484 for those outside India.

    4. How do I check my Citibank credit card balance after closure of the card?

      You can check your Citibank credit card balance by sending an SMS to the number 52484 the message ''CARDBAL'' with a space and your credit card's last 4 digits.

    5. Should I pay back my credit card loan in full if I am closing my Citibank credit card?

      Yes, all your outstanding dues, including any loans, should be repaid on your Citibank credit card before it can be closed.

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