How do I close my Kotak credit card account if I no longer need it, or if I’ve moved to a different card provider?
So, I’ve been through the whole “I want to close my Kotak credit card” thing, and I know it can feel like a hassle. But honestly, it’s pretty straightforward once you get the hang of it. Here’s what I did:
- Clear Your Balance: First, make sure your balance is paid off. You can’t close the card if there’s anything left, and trust me, they’ll want that cleared. Any pending fees or interest have to be sorted too.
- Give Customer Care a Call: Once you’re all good with the balance, just call Kotak’s customer care at 1860 266 2666. I was ready for some sales pitch to keep me from closing the card, but they were actually pretty chill about it. They’ll ask you a few details—card number, reason for closing, that sort of thing.
- Request the Closure: I just told them why I wanted to close the card, and they started the process right away. It was quick! You can also shoot them an email at [email protected] if you want to keep a record.
- Get a Confirmation Email: They sent me a confirmation email saying my account was officially closed. Definitely a good idea to get that, so there’s no confusion later.
- Check Your Credit Report: After a couple of months, I checked my credit report just to be sure everything was showing up as closed. No issues there!
One tip: If you’ve got any unused rewards or points, make sure you redeem them before closing the card. Once it’s closed, you won’t be able to use them!
Ensure that your Kotak Credit Card balance is ₹0 and Download the No Dues Certificate from Kotak if needed.
- Call Customer Care- call on 1860 266 2666.
- Email Request- Send an email to [email protected] from your registered email ID and mention your credit card details (last 4 digits) and request closure.
- Written Request- Write a request with your name, credit card details, and signature and send it to Kotak Mahindra Bank Ltd. [Your Nearest Branch Address]