How to cancel your credit card

Everything you need to know to close your credit card account, including what phone numbers to use for different providers.

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While you can cancel a credit card at any time, there are a few important details to check before you can settle the account and cut up the card in your wallet. We’ll give you the contact details for different providers, go through the steps you need to take to properly cancel a credit card and tell you some things you should consider before closing your account. If you’re not satisfied with your current card, you can also compare credit card offers to find a better option for you.

HSBC Revolution Credit Card

HSBC Revolution Credit Card

Receive S$150 cash back or a Samsonite T5 Spinner luggage

Offer ends 31 March 2020

HSBC Revolution Credit Card

  • Principal Annual Fee: S$0 annual fee for 2 years - S$160.50 thereafter.
  • Cashback Rate: 0%
  • Annual Interest Rate: 25.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$40,000
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What you’ll find in this guide

How to properly cancel your credit card

Follow these ten steps to cancel your credit card successfully:

  1. Pay or transfer the outstanding balance. Your card needs to have a $0 balance before you can cancel it.
  2. Transfer any reward points. Redeem them for rewards or transfer them to another program so that you still get value from the points you’ve earned using this card.
  3. Cancel direct credit transfers. Cancel all existing direct credit transfers linked to your credit card to minimise any payment disruption.
  4. Cancel your card. Call your card provider’s customer service department to inform them of your decision to close the account. Some card providers might agree to cancel your card over the phone by confirming your identity, while others might require that you send a written request. If you can cancel the card over the phone, make a record of the date, time, and name of the representative you speak with.
  5. Cancel your card in writing. If you need to send a cancellation request in writing, include your credit card number and account number in the letter and state your request for the card provider to close the account.
  6. Check for future statements. Log into your account or go through your credit card statements following your request to make sure that the card has been cancelled.
  7. Destroy your credit card. Cut the card into tiny pieces to make it impossible for anyone to piece it back together.
  8. Confirmation. Your credit card provider should provide confirmation that your credit card account has been closed. If you haven’t received any notice of the account closure within 1–2 weeks, follow up with your provider.

What’s the number to call when I want to cancel my credit card?

The phone number on the back of your credit card is usually a good bet, but here are details for contacting the major card companies to cancel your card:

BankContact informationAvailability
DBSIn Singapore: 1800 111 1111
From overseas: (65) 6327 2265
24 hours, 7 days a week
POSBIn Singapore: 1800 339 6963
From overseas: (65)6339 6963
24 hours, 7 days a week
OCBCIn Singapore: 1800 363 3333
From overseas: (65) 6363 3333
24 hours, 7 days a week
UOBIn Singapore: 1800 222 2121
From overseas: (65) 6222 2121
24 hours, 7 days a week
HSBCIn Singapore: 1800 4722 669
From overseas: (65) 6472 2669
24 hours, 7 days a week
Citibank(65) 6225 522524 hours, 7 days a week
Standard CharteredIn Singapore: 1800 747 7000
From overseas: (65) 6747 7000
24 hours, 7 days a week
MaybankIn Singapore: 1800 629 2265
From overseas: (65) 6533 5229
24 hours, 7 days a week
Bank of ChinaIn Singapore: 1800 338 5335
From overseas: (65) 6338 5335
24 hours, 7 days a week
American Express1800 299 1997 24 hours, 7 days a week

What else should I consider when cancelling my credit card?

If you’re planning to close your credit card account, make sure you also consider the following factors before you take action.

  • Close just one account at a time. Whether if you need to close one account or several, always cancel them one at a time, starting with the cards that charge you fees. It is recommended to cancel the newer cards before old ones. You may also want to consider keeping cards that offer good rewards programs.
  • Watch your credit report. It may take several weeks for changes to be reflected on your credit report, but remember to keep tabs on it to see if the cancellation affected your credit score. If your plan is to cancel one card and apply for a new one, know that applying too many times can have a negative impact on your credit history.
  • Bad credit. Poor creditworthiness is bound to affect your ability to get a credit card in the future. So if you already have a lot of debt, you may want to hold off on cancelling your card while you focus on paying down your debts. As well as giving you immediate access to credit if you need it, this strategy can help improve your chances of approval for a new card down the track.
  • Annual fees. Check when your credit card annual fee will be charged and whether or not this will affect your final payments when you plan to close your account.

What should I do if I’m not happy with my credit card?

If you’ve got a credit card that’s not working for you anymore, you may want to find one that’s more suited to your needs. There are many types of credit cards in the market including no annual fee, low rate, rewards and frequent flyer cards, as well as those with purchase rate and cashback offers. And once you find a card that you are happy with, you can apply for it and cancel the old card.

Compare new credit card offers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 31 March 2020.
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Standard Chartered Spree Credit Card
Up to S$60 cashback monthly with no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.



S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Citi PremierMiles Visa Card
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally.
Up to 10% cash back at selected merchants.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 37,300 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Terms and conditions apply. Ends 31 March 2020.
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
HSBC Visa Platinum Card
5% cash rebate on groceries, fuel and dining
5% cashback on dining, groceries and petrol


S$150 cash back when you spend S$800 within a month of card approval. Ends 31 March 2020.

S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Standard Chartered Unlimited Cashback Credit Card
1.5% cashback on all spend with no cap and no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year for principal card
Free for the first supplementary card, S$96.30 subsequent card - S$192.60 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits and 3,000 KrisFlyer miles.
UOB Yolo Card
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.
Up to 8% cashback on Dining, Grab and Online spend
3% cashback on Online Fashion & Travel spend
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Apply today and enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.
Citi Rewards Credit Card
10X Rewards on your shopping spend (local and overseas) and online purchases (except mobile wallet and travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required
Up to 20% cash back at selected merchants.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 March 2020.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on one category with no min. spend required. Choose from Beauty& Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel.
Up to S$180 in cash credits. S$100 cash credit when you apply for a new Credit Card and S$80 cash credit when you open an account online.
S$0 annual fee for 1 year for principal card
Free for the first supplementary card, S$96.30 subsequent card - S$192.60 thereafter
S$30,000
Apply today and enjoy up to S$180 in cash credits. S$100 cash credit when you apply for a new Credit Card and S$80 cash credit when you open an account online.
HSBC Advance Credit Card
Up to 3.5% cashback on all purchases with no minimum spend
Up to 3.5% cashback on all purchases


S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 15 April 2020.
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on overseas retail, dining and travel
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
UOB One Card
Up to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending.
Up to 10% on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Apply today and enjoy up to 10% cashback on Grab and UOB Travel transactions, including up to 24% off fuel at SPC and up to 20.8% off at Shell.
Citi Cash Back Card
Earn up to 8% cash back on dining, groceries and petrol worldwide.
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2021.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
Citi Prestige Card
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points (1.3 miles) per S$1 local spend.
Up to 20% cash back at selected merchants.
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. Ends 31 March 2020.
UOB PRVI Miles World Mastercard Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee; up to 3% savings on online shopping.
Redeem S$10 cash back for shopping vouchers in every 10 SMRT$ earned
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2021.
American Express True Cashback Card
1.5% cashback on all purchases with no minimum spend and no cap
3% cashback for first 6 months up to S$5,000 minimum spend


1.5% cashback on any purchase, anytime
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.
American Express Singapore Airlines KrisFlyer Credit Card
For every S$1 spent, get up to 1.1 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.1 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 till 30 June 2020.
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership and additional 8,000 KrisFlyer miles with minimum spend of S$5,000 in the 4th to 6th month of membership. Ends 30 April 2020.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, 1X STAR$ on all other purchases and additional 10X STAR$ at participating outlets in CapitaLand Malls.
Earn 15 STAR$ for every S$1 spent at participating CapitaLand malls.
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 30 April 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
For every S$1 spent, get up to 1.2 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.2 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
None
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles when you spend S$10,000 within the first three months and an additional 12,000 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally. Ends 30 April 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
None
S$321 annual fee
S$50,000
Get a free Samsonite luggage (worth S$600) and 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee in the first statement and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 March 2020.
Maybank Business Platinum Mastercard
Earn 1 TREATS Points per dollar spent
S$50 cash credits to offset credit card payment
S$0 annual fee for 2 years - S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank eVibes Card - The Student Card
Earn 1% cash rebate on all spend
1% cash rebate on all spend
S$0 annual fee for 2 years - S$20 thereafter
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.
Maybank Platinum Visa Card
Up to 3.33% cash rebates on local spend
Earn up to 3.33% cash rebates on all purchases in Singapore upon spending S$300 per month on every quarter


Cash rebate of 0.3% will also be earned on overseas spending at no minimum spend
S$0 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank Family & Friends Card
8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend
Up to 8% cashback with minimum spend of S$800 per month.
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank Manchester United Platinum Visa Card
Receive a 10% discount at United Direct Online Megastore and 5 TREATS Points for every dollar spent when Manchester United wins a Premier League match.
S$0 annual fee for 2 years - S$80 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank DUO Platinum Mastercard
5% cash rebate on petrol in Singapore and Malaysia and 1.5% cash rebate in foreign currency.
5% cash rebate on petrol transactions
S$120 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank FC Barcelona Visa Signature Card
1.6% unlimited cash rebate on all local spend
1.6% cash rebate on all spend
S$120 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank Visa Infinite Card
Earn up to 5X TREATS Points (2 air miles) on all spend
Redeem TREATS points with cash credits
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2020.
Maybank Horizon Visa Signature Card
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
Receive S$100 cash credit with min. spend of S$800 to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 Jul 2019.
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Maybank World Mastercard
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants.
Get S$50 cash credit with minimum spend of S$700 upon card approval
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.

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Commonly asked questions about cancelling a credit card

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