How to Close Kotak Bank Credit Card | Cancel Kotak Mahindra Bank Credit Card

If you are using Kotak Bank Credit Card and you are not happy with it due to any reason like high charges, annual fees, etc you can cancel or close your card at any time. In this post, you will learn How to Close Kotak Bank Credit Card | Cancel Kotak Mahindra Bank Credit Card?

We will see the methods using which you can easily close or cancel Kotak Bank Credit Card.


Before closing a Kotak Mahindra Bank credit card you must know the below important points…

Important Points to Know before Closing Kotak Bank Credit Card

Outstanding Balance: Once Kotak Bank receives a request for credit card cancellation or closure, it will convert the entire outstanding due on the card, pending loans, EMI facilities, balance transfers, and any other charges into due. So, It is necessary to clear your balance or dues on the card before requesting the card cancellation. Banks will not accept your request if there are any due payments.

Avoid Using Credit Card: After having decided to cancel a credit card, make sure not to make payments through the card or make any such transactions. If there is any balance on the card the bank will not cancel the card.

Utilize the Reward Points: The reward points accumulated on your card account should be redeemed. The reward points can be redeemed against card outstanding or against Gift Vouchers available in the rewards catalog.

Cancel automatic payments: As a Credit card is usually set for automatic payment every month on a particular day make sure to Cancel all Auto debit facilities from your card like loan deduction, any Policy auto deduction, EMI, etc.

Options to Consider Before Canceling Your Kotak Credit Card

Closing a credit card means that you are reducing your credit limit, which will reflect in your CIBIL credit score. Closing a credit card can hurt your CIBIL score temporarily but don’t worry as it is much easier to improve a low credit score.

In case you are looking for alternatives before canceling your Kotak credit card you can consider the below points.

  • If you have an Kotak credit card that doesn’t charge any annual fee, then you can always stay with it. Your account will keep adding credit history in that way, and it also won’t hurt your credit if you don’t use the card.
  • You can request for product change without closing your Kotak Credit card. call customer care and ask if there is any card available based on your requirement. Like you can opt for a credit card that does not charge annual fee.

If you still think you need to close your Kotak Bank credit card read the article further…

Close or Cancel Kotak Bank Credit Card by Calling Kotak Bank Customer Care

Kotak Bank customers can close or cancel their credit card by calling the Kotak customer care number 1860 266 0811, 1860 266 2666, or +91 22 6204 2001.

Call the number if you are staying in India 1860 266 2666

If you are staying overseas or you are NRI customers call the number +91 22 6204 2001 or choose your country from the below-mentioned list and call the number.

CountryContact Number

Call the above number, once the call connects to the executive, request them to close your credit card. They will verify your personal details like Card Number, Name, Mobile number, etc.

After Verifying your personal details they will check your credit card balance if all dues are cleared they will close your credit card without any issue.

Once your credit card is closed you will receive an email to your registered email ID as well.

Close or Cancel Kotak Mahindra Bank Credit Card through Mail or Post

To close or cancel Kotak Bank’s credit card account, customers may write an application as this not only helps the bank cross-check and verify the authenticity of the request, but also proves useful in case of disputes.

Mention your personal details like name, date of birth, card number, expiration date, mobile number, and card closure reason in the letter. Post or mail the application letter to the below-mentioned Kotak Bank registered address.

Kotak Mahindra Bank
Registered Office27
BKC, C 27, G Block
Bandra Kurla Complex
Bandra (E)
Mumbai – 400051

Once your request is received by Kotak Bank, the bank officials will go through the request, verify the details, they may call you as well for verification, and if everything is genuine your Credit Card will be closed.

NOTE: Kotak Bank advises the customers to destroy their card into pieces across the Chip and magnetic stripe, post-submission of their closure request to avoid any duplication of the card.


In this article, we have discussed How to Close Kotak Bank Credit Card | Cancel Kotak Mahindra Bank Credit Card through Customer care and by sending a mail or Post.

You can close or cancel a credit card any time you want, but you should think over the advantages and disadvantages of it before you proceed.

If It is possible keep your old account active as it will boost your credit, and you could always consider a product change instead of card closure.

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1: How can I close my Kotak Mahindra credit card?

Kotak Bank customers can close or cancel their credit card by calling the Kotak customer care number 1860 266 0811, 1860 266 2666, or +91 22 6204 2001 (abroad helpline number).

2: What is Kotak Mahindra Bank Customer Care Number?

Any unauthorized transaction in your Account / Credit Card – 1800 209 0000
Kotak 811 Customer Care Number – 1860 266 0811
Bank and Credit Card related – 1860 266 2666
For Loan-related call – 1860 266 2666
Abroad helpline number – +91 22 6204 2001

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