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How to cancel your credit card

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

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Fact checked

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. Here are the contact details for different providers, the steps you need to take to properly cancel a credit card and some things you should consider before closing your account

How to cancel your credit card in 7 steps

Follow these 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 or redeem your rewards points. Transfer your rewards points to another program or redeem them so you don’t miss out on any remaining value from the card.
  3. Cancel any direct credit transfers. Cancel all existing direct credit transfers linked to your credit card to minimise any payment disruption.
  4. Contact your provider and cancel your card. Call your card provider’s customer service department and tell them to close your account. Some card providers will do this over the phone, while others might require that you send a written request. Make a record of the date, time, and name of the representative you speak with if you cancel over the phone. If you must cancel 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.
  5. 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.
  6. Destroy your credit card. Cut the card into tiny pieces to make it impossible for anyone to piece it back together.
  7. Wait for 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 number do I call 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:

BankPhone number (Singapore)Phone number (From overseas)
American Express1800 299 1997Varies depending on card
Bank of China1800 338 5335
(65) 6338 5335
Citibank(65) 6225 5225
DBS1800 111 1111(65) 6327 2265
HSBC1800 4722 669(65) 6472 2669
Maybank1800 629 2265(65) 6533 5229
OCBC1800 363 3333(65) 6363 3333
POSB1800 111 1111(65) 6327 2265
Standard Chartered1800 747 7000(65) 6747 7000
UOB1800 222 2121(65) 6222 2121

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.

Commonly asked questions about cancelling a credit card

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. You can compare a range of different credit cards below.

HSBC Revolution Credit Card

HSBC Revolution Credit Card

Receive S$150 cash back or a Samsonite Prestige 69cm Spinner Exp (worth S$670) luggage

Offer ends 31 Aug 2020

Eligibility criteria, terms and conditions, fees and charges apply.

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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Promoted
Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Up to 10X Rewards points (4 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 within the qualifying spend period. Ends 31 Aug 2020
S$0 annual fee for the first 2 years and S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
UOB PRVI Miles American Express Card
Earn 1.4 miles for every S$1 spent locally with no minimum spend or cap.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 400 new customers only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Enjoy up to 20,000 bonus miles if you charge S$50,000 to your card in a year. Apply today and enjoy free transfers to Changi Airport.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least S$600.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
New cardholders can receive a Samsonite Prestige 69cm Spinner Exp suitcase (worth S$670) or S$150 cashback, if a minimum of S$800 is spent using the card in the qualifying spend period. T&Cs apply. Ends 31 Aug 2020.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
New cardholders can receive up to 10,000 KrisFlyer miles when applying and spending a minimum of S$1,500 within 30 days card approval. Ends 31 August 2020. Existing UOB cardmembers get 3,000 KrisFlyer miles after the first transaction of S$5 minimum. T&Cs apply.
UOB Yolo Card
Wide range of discounts. Plus, complimentary travel insurance
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback in selected categories
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
UOB Lady's Card
Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
New customers can get S$150 in bonus cash credits. T&Cs apply.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get S$150 in bonus cash credits. T&Cs apply.Ends 31 August 2020.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
UOB One Card
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$150 in bonus cash credits. T&Cs apply.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
N/A
S$337.05 annual fee
S$50,000
Get up to 56,200 KrisFlyer miles with S$16,000 minimum spend within six months.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$80,000
Get S$150 Lazada Vouchers and up to 43,250 Membership Rewards points with minimum spend in your first 3 months and when you successfully refer a friend. T&Cs apply.
American Express True Cashback Card
Enjoy free travel insurance benefits of up to S$350,000
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2021
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Earn up to 29,800 KrisFlyer miles with minimum spend of S$8,000 in your first 6 months.
UOB PRVI Miles World Mastercard
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
Get a referral bonus of S$20 worth of CapitaVouchers when you refer a friend.
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) upon S$3,000 minimum spend within the first 3 months of card approval. Ends 30 September 2020.
Citi Rewards Credit Card
Up to 10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month.1X Rewards for other retail purchases.
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. 30 September 2020
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for the first 1 year and 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. T&Cs apply. Ends 31 January 2021.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 September 2020.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for the first 2 years and 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. T&Cs apply. Ends 31 January 2021.
Citi PremierMiles Card
Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas.
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. 30 September 2020.
POSB Everyday Card
Enjoy up to 8% cash rebates on daily essentials such as groceries and online food delivery
Get S$150 cashback when you apply now!
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get S$150 cashback when you sign up by 30 September 2020. T&Cs apply.
DBS Live Fresh Card
Up to 5% cashback on online and contactless spend (including SimplyGo rides)
Get S$150 cashback when you apply now!
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get S$150 cashback when you sign up by 30 September 2020. T&Cs apply.
DBS Woman's Card
Up to 5X DBS Points (or 10 miles) per S$5 spent on online and overseas purchases
Get S$150 cashback when you apply online and meet minimum spend requirements.
S$0 annual fee for the first 1 year and S$160.50 thereafter
S$30,000
Get S$150 cashback when you sign up by 30 September 2020. T&Cs apply.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
Get up to 48,000 miles or up to S$200 cashback when you apply by 30 September 2020.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get up to 48,000 miles or up to S$200 cashback when you sign up by 30 September 2020. T&Cs apply.
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Earn 1.5% cashback on all of your credit card spend with no minimum spend. Additionally, get 1% cashback on your approved Funds Transfer Amount.

S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
Standard Chartered Spree Credit Card
Up to 24.2% petrol savings at Caltex stations.
Get up to 3% cashback on all online spend in foreign currency and all vPost spend.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus, up to 30% off on postal services and lots more.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and S$180 thereafter
N/A
Earn TREATS Points for every dollar spent and redeem them for vouchers, cash credits and air miles.
Maybank eVibes Card - The Student Card
Earn 1% cash rebate on retail purchases. Also enjoy up to 8% off accommodation bookings globally with Agoda. T&Cs apply.
1% cash rebate on all retail spend.
S$0 annual fee for the first 2 years and S$20 thereafter
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. First 500 successful applicants only.
Maybank Platinum Visa Card
Enjoy up to 3.33% cash rebates on local and foreign currency spend. Minimum spend requirements and cashback caps apply.
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
S$0 annual fee for the first 3 years and S$80 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank Family & Friends Credit Card
Earn up to 8% cash rebates in grocery stores, supermarkets, online grocery shopping and other categories when minimum spend requirements are met.
Up to 8% cashback on groceries, food delivery, transport, petrol and more with minimum spend of S$800 per month.
S$0 annual fee for the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank Manchester United Platinum Visa Card
Earn 1X TREATS Points for every dollar spent.
1% unlimited cash rebate with no minimum spend.
S$0 annual fee for the first 2 years and S$80 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank DUO Platinum Mastercard
Car servicing vouchers, vehicle merchandise and more
5% cash rebate on petrol transactions in Singapore and Malaysia
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank FC Barcelona Visa Signature Card
Chance to win a trip for 2 to watch FC Barcelona every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and S$600 thereafter
S$150,000
Get complimentary enrolment to Maybank's Rewards Infinite Programme and gain access to VIP perks as you earn up to 5X reward points that never expire.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations, public transport charges and Agoda hotel bookings.
S$0 annual fee for the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
S$0 annual fee for the first 1 year and S$240 thereafter
S$80,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Standard Chartered Prudential Visa Signature Card
Up to 10x rewards points on foreign spend, with no minimum spend required
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
Standard Chartered Visa Infinite X Credit Card
5 Rewards Points per $1 spent.
Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
S$695.50 annual fee
S$80,000
Apply today via MyInfo and receive S$20 cashback. Ends 31 July 2020.
Standard Chartered Manhattan $500 Card
N/A
Earn 0.25% cashback on everything you spend.
S$0 annual fee for the first 1 year and S$32.10 thereafter
S$18,000
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
Apply today and receive up to S$80 cashback. Ends 30 September 2020.
S$321 annual fee
S$30,000
Apply today and receive up to S$80 cashback. Ends 30 September 2020.
Standard Chartered Platinum Visa Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Earn 1 Rewards point for every S$1 charged to your card.
Citi Lazada Card
Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and travel purchases
Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get S$150 Lazada Vouchers when you spend at least S$1,200. T&Cs apply. Ends 31 Dec 2020.
Aspire Corporate Card
Aspire Corporate Card
Enjoy exclusive perks and discounts with Aspire's extensive range of partners, redeemable at anytime
1% Cashback for qualified spend of above S$5,000 and 0.25% for below S$5,000. T&Cs apply
S$0 annual fee
N/A
A corporate card for SMEs and Startups with no annual fee and low FX fees. Enjoy 1% cashback on marketing and SaaS spend. T&Cs apply.
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