How to close BOB credit card?

A BOB credit card can be closed by raising a request through customer care, NetBanking, or by visiting a branch.

Closing a credit card means the account is permanently shut.

Once closed, the card cannot be used again.

Cards issued by Bank of Baroda can be closed through a few simple steps.

Let’s go step by step.

Things to Check Before Closing the Card

Before placing the request, a few things should be cleared.

Important checks:

• All outstanding dues must be paid
• No active EMI should remain
• Reward points should be redeemed
• Subscriptions linked to the card should be removed

Once the card is closed, unused rewards may be lost.

Method 1: Close Through Customer Care

One of the easiest ways.

Steps usually include:

1. Call BOB credit card customer care
2. Request credit card closure
3. Provide identity verification details
4. Confirm the request

The bank processes the request after verification.

Method 2: Close Through NetBanking

Closure can also be requested online.

Steps include:

1. Log in to BOB NetBanking
2. Go to Credit Cards section
3. Select the card
4. Choose Close Credit Card
5. Submit the request

The bank reviews the request before closing the account.

Method 3: Visit a Bank Branch

Another option is visiting a branch.

Steps include:

• Visit the nearest Bank of Baroda branch
• Fill out a credit card closure form
• Submit ID proof if required

The bank processes the request after verification.

Method 4: Send Written Request

Some cases may require a written request.

Steps usually include:

• Write a credit card closure request
• Include card details and contact information
• Submit via email or branch

The bank verifies and processes the request.

What Happens After Closing the Credit Card

Once closed:

• The card cannot be used
• The credit limit is removed
• The account becomes inactive

A confirmation message is usually sent.

Impact on Credit Score

Closing a credit card may have some impact.

Possible effects:

• Reduced total credit limit
• Increased credit utilization ratio

If the card has a long history, closing it may slightly affect the credit score.

Tips Before Closing the Card

Before making the decision, a quick check helps.

Helpful considerations:

• Is the card still useful
• Does it have high annual fees
• Is it being actively used

Sometimes keeping the card may be better.

FAQ

Can BOB credit card be closed online?

Yes, through NetBanking or customer care.

How long does closure take?

Usually a few working days after verification.

Is it necessary to clear dues first?

Yes, the card must have zero outstanding balance.