How to cancel IndusInd Credit Card: As per the IndusInd Bank their credit card holder may cancel the card anytime they want by giving credit card cancellation/ termination notice to the bank. IndusInd Bank credit card customers can give card cancellation notices to the bank by three easy methods.
Cancel IndusInd Credit Card Online
If you want to cancel IndusInd credit card online then follow these steps.
- Sign In to your IndusInd Bank internet banking account.
- Go under credit card section
- Select your credit card number
- Then send request for cancel my credit card
- If you are using IndusInd Mobile Banking then
- Login to your IndusInd Mobile Banking
- Go under credit card section
- Select credit card
- Then select your credit card number
- And submit request for cancellation
On successful submission, you will receive a message from the bank with your service request number for IndusInd Bank Credit Card cancellation. Within 1 to 5 working days your request to cancel your IndusInd credit card will be processed and you will receive a notification message from the bank for successful cancellation. Or in some cases the bank may call you to confirm the reason for cancellation.
Cancel IndusInd Credit Card by Visiting Branch
Second method to cancel IndusInd credit card is that you may visit any of the nearest IndusInd Bank branches. And in the branch contact with the credit card department and after having a few question answer sessions for a few minutes they will provide you a credit card closure form. You need to fill that form correctly with your correct credit card number. Do remember that you do not need to provide any other details in the credit card closure form such as your CVV number, your password pin, etc.
Your credit card CVV number and password pin is your security key and that must be secret to you only and you must not reveal this to anyone at any cost. No matter who asks about this, whether it is any bank employee or just anyone, never ever share your credit card CVV number and your password pin.
If you do then it might be misused. So kindly keep it secret to you only. After filling the credit card closure form, sign it and give it back to the respective bank executive of the credit card department. And before leaving the branch take a proper signed and stamped IndusInd credit card closure submission receipt. Once the closure form is processed then you will get a confirmation notification on your mobile and in your email.
Cancel IndusInd Credit Card by Calling Bank’s 24×7 Helpline Number
Another way to cancel an IndusInd Credit card is to call the bank’s 24×7 customer care number from your registered mobile number. You may call the bank from your registered mobile number and you will instantly be connected with a phone banking officer. And then you may request the banking officer to cancel your IndusInd credit card number. After confirming your identity and credit card number they will process the cancellation. Once processed you will get a confirmation notification in your mobile and email.
Things to Remember Before You Lodge an Official Request for Cancellation of Your IndusInd Credit Card Number.
The very first thing you need to do before you request for cancellation of your IndusInd Credit Card number is clear your all outstanding due amounts. It will save you from embarrassment after a cancellation request. If you have any earned reward points then redeem those reward points before you send a credit card cancellation request. The bank offers a 30 days time period to redeem and collect your credit card reward points then after all the reward points will be lapsed.
If you have any automated scheduled payment for anything then make sure you cancel those automatic payments. Otherwise once you send the cancellation request and any bill payments happens with the credit card you have requested for cancellation then you would have to pay the amount which has been deducted from your credit card then you would have send the cancellation request again and all the process of closing your IndusInd Credit Card will start again. So canceling the automated payments will save you a lot of time.
Things to Remember After You Request to Cancel IndusInd Credit Card
Once you request the bank to cancel your credit card then you should immediately stop using your credit card. Then you should destroy your credit card by cutting that in pieces or crushing it so that credit card details such as credit card number, expiry date, cvv number should not be recognizable. Else for any misuse after you send cancellation request you will be responsible and liable for.
Opinion
Now you know how to cancel an IndusInd Credit Card. However, canceling your credit does not save you from your liabilities. So before sending a cancellation request for your credit card make sure you clear your all outstanding dues. And after sending a request you immediately stop using the card and you should destroy your credit card so that credit card number, cvv, expiry dates etc should not be revealed with anyone. It is for your own safety and benefit.
How to Cancel IndusInd Credit Card FAQs
How much time will it take to cancel my IndusInd credit card?
Once you send an official cancellation request to cancel your IndusInd credit card then immediately you will receive a service request number for the same. Then it will be processed by the bank and within 3 to 5 days your IndusInd Bank Credit Card will be canceled and closed permanently.
Should I destroy my IndusInd Credit Card after sending a cancellation request?
Yes, you should immediately stop using your IndusInd credit card once you send an official cancellation request. Then you should destroy your card so that your card number, cvv number and expiry date should not be visible to anyone.
Is it necessary to clear all outstanding dues before I cancel the credit card?
Yes, it is necessary and recommended that you clear all outstanding dues on your credit card before you request for cancellation, else it will be embarrassing when the bank will send bill details for the outstanding amount on your credit card. Which you are obliged to pay to the credit card company.
Can I cancel my IndusInd credit card online?
Yes, you can cancel your IndusInd credit card only by signing in to your net banking account or by logging into your mobile banking account if you are using the IndusInd mobile banking app.
How many days will it take to permanently close my IndusInd credit card?
Once you send an official request to the bank to cancel and close your IndusInd credit card permanently, then it will take 3 to 5 days to process the cancellation request. You will be notified through mobile notification and by email for the same once cancellation request is processed and card is permanently canceled and closed.
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