Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    How to Close or Cancel ICICI Credit Card

    With time, a lot of credit cardholders realise that maintaining a credit card isn’t an easy affair. It requires a lot of financial planning to keep a credit card healthy. In other situations, cardholders might want to opt for other credit cards that suit their financial needs better. Hence, at times, cardholders wish to cancel or discontinue using a credit card. ICICI Bank offers a simple method to its credit cardholders who want to cancel or close their credit cards. Listed below are the various processes that the cardholders can use to cancel or close their ICICI Bank credit cards.  

    How To Cancel Or Close An ICICI Bank Credit Card?

    ICICI Bank credit cardholders can cancel or deactivate their credit cards using the processes listed below:

    • By filling up a cancellation form: ICICI Bank credit cardholders who want to cancel or close their credit cards can download a cancellation form from www.infinity.icicibank.co.in. On this form, they will need to furnish important information like their credit card number, add-on credit card number, reason for cancellation, city, mobile number, and email id. They can also fill up this form online and submit it. The cancellation request will be generated and the cardholder will receive a call from a bank’s representative who will confirm the cancellation. Once the cardholder gives confirms, the request will be processed within 7 business days. Alternatively, this form can be downloaded, filled, and sent to ICICI Bank Limited. Race Course Circle, Vadodara-390007 or ICICI Bank Towers, Bandra-Kurla Complex, Mumbai-400051.
    • Cardholders can call ICICI Bank’s toll-free number, 1800-200-8181, to initiate a request to cancel or close their credit card.

    Things To Remember Before Cancelling Or Closing An ICICI Credit Card

    Although it is perfectly fine for cardholders to cancel their credit card whenever they wish to, there are certain things that they will need to check before initialising the process to close or cancel the credit card.

    Listed below is a checklist of things that every cardholder should go through once before initialising a credit card cancellation process:  

    • Payment of outstanding balance: Cardholders should make sure that all the outstanding balance is cleared before they request the bank to cancel or close the credit card. Also, if there are active EMIs on the card, the cardholder should settle them as well. In case the outstanding balance is not cleared, the bank will not register the request to cancel the card. The account will remain active and the cardholder will receive reminders from the bank to pay the outstanding balance.
    • Redeem reward points before closure: Cardholders are often advised by the bank to utilise their unredeemed reward points before closing their credit card. They can redeem these reward points in order to bag products from the bank’s exclusive catalogue. Alternatively, the cardholders can also use these reward points to get discounts on goods and services from various merchants across the country.
    • Card should not be used before closure: To make the process of cancellation or deactivation smooth and fast, cardholders should make sure that they do not use their credit card just before initiating the process. This will lead to a fresh set of dues which will ultimately generate a new statement. The bank will not request the process unless the cardholder pays off the fresh set of dues.
    • Check for fraudulent transactions before cancellation: Cardholders should check their last credit card statement thoroughly to make sure that they have not fallen prey to any fraudulent transaction that has gone unnoticed. This will help them in avoiding new set of fees charges for transactions that they haven’t made on their own. Hence, before initiating a cancellation process, cardholders should always check the number of transactions made, the amount paid for each of them, and the date of payment.

    Does A Cancelled Or Closed Credit Card Affect The Cardholder’s Cibil Score ?

    A cancelled or closed credit card will affect the credit score of cardholders who possess more than one card. Since after cancellation of one card, the consolidated credit limit available to the cardholder reduces, their credit utilisation increases. This affects their CIBIL score negatively. However, if a cardholder has a single ICICI credit card, it might not affect their CIBIL score negatively but it will also not make a positive difference to the same. Cardholders whose only means to build a healthy credit score is by opting for a credit card, need the card to build and maintain a healthy credit score. In such cases, financial experts recommend the cardholder not to cancel or close their credit card but to work towards maintaining it appropriately.

    How To Reactivate A Closed Or Cancelled Icici Bank Credit Card ?

    Applicants can reactivate their closed or cancelled ICICI Bank credit card by calling the toll-free customer care number, 1800-200-8181. The bank will ask them to fulfil certain documentation and authentication formalities before reissuing the closed credit card.     

    Check How to Close or Cancel Other Banks Credit Card Online

    How to Close or Cancel ICICI Credit Card Reviews

    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I have been using ICICI Platinum card for more than 1.5 years. The credit limit is low which they need to increase. IVR takes longer time for the connectivity also they need to improve the service. There is no annual charge for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am not satisfied with the credit card that i am using it with the ICICI BANK because the credit limit with this bank card is not satisfactory also there are no offers available with this credit card. There is a EMI conversion option with this credit card which is good also it is easy to convert.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten months since i am using this credit card and the services which they had provided me has been pretty good. But the credit limit with the card has been less and there has not been any annual charges with this card. I had been using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Never understand the value of the customers"
      0.5 1.0/5 "Really Bad"
      I purchased the ICICI credit card 4 months before . I have huge transaction in ICICI salary account , but even though they provided me a credit limit of 25 k only . I am highly disappointed with the ICICI service . Never understand the value of the customers and customers requirements .
      Was this review helpful? 1
      , gulbarga
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for the last six months where services with them was quite good. The credit limit with the card has been good and it has been a life time free card. I am using this credit card for all purposes like shopping and for most of my purchases.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      The reason to like this ICICI card, they are providing best services compared to other credit card. The offers are very good like reward points and discounts on the shopping, hotel etc. They have cash back of 1% at fuel filling, its a life time free signature credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this credit card for the last couple of years and the services which they had provided so far was pretty good. There is an annual charges of 500 with this card and there is some good offers which comes with this card as well. I am happy with the credit limit with the card as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Best reward card"
      0.5 5.0/5 "Blown Away!"
      I am having ICICI BANK EXPRESSION credit card for the past 1year.This is one of the best reward shopping and travel we can use this card. Credit limit is really good and sufficient. Customer service and responsiveness in Bank is really good.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 21, 2019
    • ICICI Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is doing good in the credit card features. The customer support is fine and they are responsive too. The statements are clear and sent to me on time. The credit limit is also good and there are good deals on the card. It is convenient when I use it and there are no annual charges on the card.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best Service provider"
      0.5 5.0/5 "Blown Away!"
      I am a bank employee of ICICI, for the online shopping I get more discount in amazon, flipkart etc. I am using this credit card around six years, everything is satisfactory with my bank credit card. The bill part is very keen and clear, they send email statement before the due date.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I am not using the ICICI bank credit card as I am not happy with the services. Apart from not providing the offers, without any intimation they have charged me Rs.700 for not using the credit card. Since I did not make that payment, the interest amount has accumulated and now it is a fee of 1900. I tried contacting the customer care and they did not answer the call.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI credit card for last 3 to 4 years and it was a good card. Its a Coral card and the credit limit is average. The annual charges are applicable and its 500 rupees. I have contacted the customer service and its good. Also there is option for EMI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "They need to incrsae the credit limit of customer "
      0.5 4.0/5 "Great!"
      The services of ICICI BANK is good, i am holding this card for past 6 month .The service was fine they come up well with lots of offers on e commerce website specially on AMAZON and FLIPKART . The customer service do proper follow up here . I got card on time .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      MY application was taken with ICICI BANK , i am holding this card for more than 5month . Benefits were reward points , cash back and so many, i am happy with the benefits here . The process of getting the card was good and customer service of this bank are very helpful .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      MY application was taken with ICICI BANK , i am using this card for past few year . I use this card for both online as well offline . I use to get proper mail and messages after transaction this is the best part . I use to get reward point as well cash back also .
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ICICI BANK . They offered me a very low limit . It has got Cash back offers . Customer support is also good.I am holding this card for past few months and never had any issues with their services. Thee is no joining fee here with this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had taken this credit card almost ten years back and i had closed it since because of the higher interest rate with them. The services which they had provided has been fine and the credit limit with the card has also been good. The annual charges with this card has been reasonable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using this credit card for the last couple of months and the services of them has been pretty good. But the credit limit with the card was only around 18,000 which is very less. They had made a charge of 5000 for the over limit spend which is not that good. I just used the card for some purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK the card has the satisfactory credit limit also the card is life time free card also it is user friendly with no issues with this credit card. They provide with the sufficient offers which is very good than others.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • ICICI Bank Credit Card
      "GOOD CARD TO USE"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the ICICI BANK they have offered the credit limit which is sufficient with this credit card. There are good offers with this card also there is a EMI conversion option with this card but not yet used it. The customer service is very good with this bank.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 20, 2019
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.