If you are using an SBI Credit Card, there might be situations where you want to either block or close your credit card. It's important to understand that blocking and closing a credit card serve different purposes.
Blocking a credit card involves temporarily restricting its usage to prevent unauthorized transactions, especially in cases of loss or theft. This action doesn't impact your credit score because it's a temporary measure to secure your card without affecting your credit account.
On the other hand, closing a credit card means permanently shutting down the credit card account with the issuer. You might choose to close your SBI Credit Card if you are dissatisfied with its features. Additionally, if you rarely use the card and it comes with a high annual fee, closing it might be a consideration. However, it's essential to be aware that closing a credit card can have a temporary impact on your credit score.
| Table of Contents | ||
|---|---|---|
| How to Block SBI Credit Card | ||
| How to Close SBI Credit Card | ||
| How to Safeguard yourself against Fraudulent Transactions | ||
| FAQs | ||
Suggested Read : 10 Best SBI Credit Cards in India
Different methods to block SBI Cards are given below.
Block SBI Credit Card via Customer Care: To block your credit card, you can call any of the numbers provided below:
Toll Free Number: 1800 180 1290 | 1860 500 1290 | 1860 180 1290
(STD Code) 39 02 02 02
Block SBI Credit Card via Net Banking: To block your SBI Card via Netbanking, follow these steps:
Block SBI Credit Card via SMS: To block your SBI Card via an SMS, you should send it in the format given below.
BLOCK XXXX to 5676791
Here, XXXX are the last 4 digits of your SBI Card. Also, ensure sending the message from your registered mobile number.
To close your SBI Credit Card, you have two options: contacting SBI Card's customer support or sending a written request.
Via SBI Card Customer Care:
1. Call the SBI Credit Card customer care helpline at 1860 500 1290, 1860 180 1290, or 1800 180 1290.
2. Alternatively, use the (STD Code) 39020202 for an alternate SBI credit card cancellation customer care number.
3. Provide the necessary details to authenticate your identity to the representative.
4. Follow the instructions to complete your SBI credit card cancellation request.
Via a Written Request:
1. Write a letter requesting the closure of your credit card.
2. Include essential details like cardholder’s name, date of birth, and card number in the letter. Do not include your card’s CVV or PIN.
3. Send the letter to the following address: SBI Card, PO-Bag 28, GPO, New Delhi- 110001
Certainly! Here's a different sequence:
1. Save credit card customer care numbers on your mobile.
2. Use licensed antivirus & anti-phishing software on your personal computer & mobile.
3. Don’t use public computers to conduct online transactions.
4. Don’t carry all credit cards with you.
5. Conduct online transactions on secure websites only, that use https.
6. Check the customer copy of the receipt to ensure you are charged the correct amount.
7. Don’t share credit card PIN with anyone.
8. Don’t set the same PIN for different credit cards.
9. Don’t save credit card information online.
How to Unblock SBI Credit CardIf you need to unblock your SBI Credit Card or reactivate a temporarily blocked card, you can call SBI Credit Card Customer Care at 1860-180-1290 or (STD Code) 39020202. Note: If your card is lost or stolen, SBI Card won't allow unblocking. However, if it's blocked for reasons like suspicious transactions, consecutive non-payments, or exceeding the credit limit, you can unblock it. For exceeding the limit, pay off the balance to bring it below the assigned credit limit. For other reasons, contact customer support. |
Yes, a replacement fee of Rs 100 + GST will be applicable if you request a reissued card.
Activating your SBI Card is easy. You can do it by logging into your net banking account, sending an email to sbicard.com/email, or calling the helpline number 1860 180 1290 / (STD code) 39 02 02 02.
The bank will provide written confirmation once an account is closed. Additionally, the credit report will reflect the closure of a credit card account within 1-2 months.
After closing the primary card, all add-on cards associated with it will also become non-functional.
If you have a Visa SBI Card, call on the toll-free number 1-800-847-2911.
SBI Card will inform you about this when you request closure. If there are any outstanding dues, you'll need to settle them before the card closure process can begin.
To close the card, clear any dues and refrain from using the card before and after the initiation. Avoid sharing confidential information like credit card PIN and CVV number with the bank. When disposing of the card, ensure to cut it diagonally.n
Yes, the card is rendered invalid post closure.
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