How to cancel Bob credit card is a common question when a card is no longer needed.

The process is simple, but a few steps matter.

Skipping them can delay closure.

Before cancelling the credit card

A quick check helps avoid problems later.

Before requesting cancellation, make sure:

• Outstanding balance is fully paid
• No EMIs are active
• Reward points are redeemed
• Annual fee cycle is checked

Once cancelled, rewards usually disappear.

Ways to cancel a Bob credit card

Credit cards issued by Bank of Baroda can be cancelled using multiple methods.

Choose what feels easiest.

1. Cancel via customer care

This is the most common option.

Steps usually look like this:

• Call bob credit card customer care
• Request card closure
• Verify identity details
• Confirm no dues remain

A service request is created.

Closure usually takes a few working days.

2. Cancel by visiting a branch

Some prefer offline support.

In this method:

• Visit a Bank of Baroda branch
• Submit a written request for card cancellation
• Provide identity proof if asked

Processing may take slightly longer, but confirmation is clear.

3. Cancel through email (if available)

In some cases, Bob allows cancellation requests via email.

The email usually includes:

• Card number (masked)
• Registered mobile number
• Clear request to close the card

Response timelines vary.

What happens after cancellation request

After the request is accepted:

• Card is permanently closed
• Further transactions are blocked
• Final statement may be generated

Physical card should be cut and discarded safely.

Does cancelling a credit card affect credit score?

Yes, sometimes.

Closing a credit card can:

• Reduce total credit limit
• Increase credit utilisation
• Impact score slightly

Closing an old card with a high limit usually has more impact.

When cancelling a credit card makes sense

Cancelling works well when:

• Annual fee is not worth it
• Card is rarely used
• Multiple cards exist

Mental peace matters too.

When to think twice before cancelling

Quick tip. Pause if:

• The card is very old
• Credit limit is high
• Credit score is being actively built

Keeping the card active with minimal usage may help more.

How long does cancellation take?

Usually:

• 5 to 10 working days

A confirmation message or email is sent once closed.

Always keep that confirmation.

FAQ

Is it mandatory to clear dues before cancellation?

Yes, all dues must be cleared.

Can a cancelled Bob credit card be reactivated?

No, a fresh application is required.

Does cancelling stop annual fees immediately?

Yes, if cancelled before fee posting.

In short

Bob credit cards can be cancelled through customer care or branch.

Dues must be cleared first.

Timing helps avoid extra charges.

Still unsure whether cancelling or keeping a card is the better move?