The process is simple. But a few checks matter before raising the request.

Closing a credit card affects rewards and sometimes credit score.

Better to plan it calmly.

Step 1: Clear All Outstanding Dues

Before requesting closure, make sure:

• Total outstanding balance is fully paid
• No EMI conversions are active
• No pending transactions are unsettled
• No dispute cases are open

Even a small unpaid amount can delay closure.

Zero balance is mandatory.

Step 2: Redeem Reward Points

Credit cards issued by State Bank of India may cancel unused reward points once the card is closed.

Before closing:

• Check reward points balance
• Redeem cashback or vouchers
• Use any available benefits

After closure, points are usually forfeited.

No reversal later.

Step 3: Remove Auto-Debits and Subscriptions

If the card is linked to:

• OTT platforms
• Utility bills
• Insurance payments
• EMI auto-debits

Update the payment method first.

After closure, payments will fail.

That may cause service interruptions or penalties.

Step 4: Raise Closure Request

There are multiple ways to close an SBI credit card.

1. Through Customer Care

This is the most common method.

Steps usually include:

• Call SBI Card customer care
• Verify identity details
• Confirm zero outstanding
• Request closure

Always ask for service request number.

Keep it safely.

2. Through SBI Card Website or App

If using digital channels:

• Log in to SBI Card website or mobile app
• Go to “Manage Card”
• Select closure or cancellation option
• Submit request

Availability may vary depending on account status.

3. Through Written Request

If required:

• Submit a written closure request
• Provide necessary identification

Processing may take slightly longer.

What Happens After Closure Request?

Once processed:

• Card becomes permanently inactive
• Transactions are blocked
• Final statement may be issued

Physical card should be cut across chip and magnetic strip before disposal.

Security continues even after closure.

Does Closing SBI Credit Card Affect Credit Score?

It can.

Closure may:

• Reduce total available credit
• Increase credit utilisation ratio
• Slightly impact credit score

Closing an older card with high limit may affect more.

Score usually stabilizes over time if other accounts remain healthy.

When Closing Makes Sense

Closing may be reasonable if:

• Annual fee is not justified
• Card is rarely used
• Multiple cards create confusion
• Spending habits have changed

Simplifying finances can help.

When to Think Twice

Pause before closing if:

• The card is one of the oldest accounts
• It has a high credit limit
• Credit score is still improving

Length of credit history matters in scoring models.

Keeping an old card active with minimal usage may help profile.

How Long Does Closure Take?

Typical processing time:

• 5–10 working days

If pending transactions exist, it may take longer.

Wait for written confirmation.

Can Closed SBI Card Be Reopened?

Usually no.

Once closed, the account cannot be reactivated.

Reapplying requires fresh approval.

Approval depends on current credit profile.

Quick Checklist Before Closing

Before final decision, check:

• Balance fully cleared
• Reward points redeemed
• Auto-debits removed
• Credit score impact understood

Planning prevents regret.

FAQ

Is zero balance required before closing?

Yes, full payment is mandatory.

Can SBI credit card be closed online?

Yes, through SBI Card app or customer care.

Will closure hurt credit score?

It may slightly impact utilisation ratio.