How to Close IndusInd Bank Credit Card

If you’re looking to close your IndusInd Bank credit card for any reason—be it to manage your finances better or to avoid paying annual fees—it’s important to understand the steps involved in the closure process. Closing a credit card involves more than just cutting the card in half; you need to follow proper procedures to ensure your account is closed officially and doesn’t affect your credit score negatively.

In this guide, we’ll explain how to close your IndusInd Bank credit card and provide some key considerations to keep in mind before doing so.

Steps to Close Your IndusInd Bank Credit Card

There are several ways you can request the closure of your IndusInd Bank credit card. These include:

1. By Calling Customer Care
2. By Sending a Written Request
3. By Sending an Email
4. Visiting the Branch

Let’s go through each method step-by-step.

1. Closing IndusInd Credit Card by Calling Customer Care

One of the simplest ways to close your IndusInd credit card is by calling the customer care helpline.

Step-by-Step Process:

• Step 1: Call the IndusInd Bank Customer Care
  Dial IndusInd Bank’s customer care number:

  • 1860 267 7777 (Within India)
  • Or check their official website for alternative contact details.

• Step 2: Verify Your Identity
  The customer care representative will ask you for your credit card number and personal details like date of birth or registered phone number for verification.

• Step 3: Request Closure
  Inform the representative that you wish to close your credit card account. They may ask you the reason for closure and try to offer you some retention offers.

• Step 4: Clear Outstanding Dues
  Before closing the card, ensure that all outstanding dues, including interest, are cleared. You cannot close the card if there are any pending payments.

• Step 5: Confirmation
  Once the process is initiated, you’ll receive a confirmation SMS or email that your closure request is being processed. Keep this confirmation for your records.

2. Closing IndusInd Credit Card by Sending a Written Request

If you prefer a more formal approach, you can send a written request to close your IndusInd credit card.

Step-by-Step Process:

• Step 1: Draft a Request Letter
  Write a formal letter to IndusInd Bank requesting the closure of your credit card account. Include the following details:

  • Your name as on the credit card
  • Credit card number (last four digits)
  • Contact details
  • Reason for closure
  • Signature

• Step 2: Send the Letter
  Mail the letter to IndusInd Bank’s credit card division at the following address:
  IndusInd Bank Credit Card Division
  P.O. Box No. 9421, Chakala, MIDC, Andheri (East), Mumbai – 400093, Maharashtra, India.

• Step 3: Clear Dues
  Ensure all outstanding dues are paid in full before sending the request.

• Step 4: Wait for Confirmation
  IndusInd Bank will process your request within 7-10 working days. You’ll receive a confirmation once the card is closed.

3. Closing IndusInd Credit Card by Email

IndusInd also allows credit card closure requests via email.

Step-by-Step Process:

• Step 1: Draft an Email
  Send an email to the bank’s official customer care email ID:
  premium.care@indusind.com or check their website for the latest email address.
  Include the following in your email:

  • Your name
  • Last four digits of your credit card
  • Registered mobile number
  • Reason for closure

• Step 2: Clear Outstanding Payments
  Make sure all pending amounts on the card are cleared.

• Step 3: Receive Closure Confirmation
  You’ll get a confirmation email once the bank has successfully processed your closure request.

4. Closing IndusInd Credit Card by Visiting the Branch

If you prefer in-person assistance, you can visit the nearest IndusInd Bank branch to close your credit card.

Step-by-Step Process:

• Step 1: Visit the Nearest Branch
  Go to the nearest IndusInd Bank branch with a valid photo ID and your credit card.

• Step 2: Submit a Closure Request
  Request a credit card closure form at the branch. Fill it out with your details and submit it.

• Step 3: Clear Pending Dues
  Pay off any remaining dues on the card.

• Step 4: Get Confirmation
  The branch will initiate the closure process, and you’ll receive confirmation via SMS or email once it’s done.

Important Things to Keep in Mind Before Closing Your IndusInd Credit Card

While closing a credit card might seem straightforward, there are a few factors you should consider before proceeding:

1. Clear All Outstanding Payments: Ensure that there are no outstanding payments or dues on your card. This includes:

• Unpaid bills
• Interest charges
• Late fees

Any pending payments will need to be cleared before the card can be closed.

2. Use Reward Points Before Closure: If your IndusInd credit card accumulates reward points, make sure to redeem them before closing the card. Once the card is closed, you’ll forfeit any unused points.

3. Request a No-Dues Certificate: After the closure of your credit card, request a No-Dues Certificate from the bank. This document serves as proof that you’ve cleared all dues and that your card has been closed.

4. Impact on Credit Score: Closing a credit card can affect your credit score, especially if the card has a high credit limit or is one of your older accounts. If possible, try to maintain a healthy credit history by not closing your oldest card, as it helps build credit history.

5. Check Your Credit Report: After closing your card, check your credit report to ensure that the closure has been reflected accurately. You can access your credit report through agencies like CIBIL or Experian.