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Amex · Cancellation guide
5-step closure process for Amex cardholders, with the customer-care number, CIBIL-impact reality check, and what to redeem before you cancel. RBI mandates closure within 7 working days of request — banks that miss that deadline can be reported to the Banking Ombudsman.
1800 419 1414 / 0124 280 1800 (from outside India)
24×7 available. Ask for "credit card account closure". Expect a retention pitch (annual fee waiver, additional rewards) — politely decline if you've already decided.
Email follow-up: Indian.Customer.Service@aexp.com
Closing a credit card typically drops CIBIL by 10-30 points temporarily (first 3-6 months) for two reasons:
Mitigation: If you have 3+ active credit cards, the impact is minimal. If this is your only or one of two cards, consider downgrading (product change to a free-tier card with same Amex relationship) instead of closing — same CIBIL benefit, no closure penalty.
Amex won't accept a closure request while there's any outstanding balance — including pending EMI conversions, recently-converted purchases, or annual fee charges that haven't yet appeared on a statement. Confirm balance via Amex's mobile app or call customer care. If you have a refund pending from a merchant, wait for it to credit before closing — refunds after closure get bounced back to the merchant, not you.
Amex forfeits unredeemed reward points on closure. Check your point balance via the app or reward portal, redeem to vouchers / catalogue / statement credit before initiating closure. Some Amex cards allow 90-day grace post-closure for redemption — verify on your specific card's MITC. For high-balance accounts (10,000+ points), this step alone can save ₹2-5K equivalent.
If you've set up auto-pay mandates on this card (mobile recharge, OTT subscriptions, utility bills, rent via CRED/NoBroker), cancel them at the merchant side BEFORE closing. After closure, declined charges may temporarily land on your CIBIL as 'attempted payment failure' even though you didn't initiate them. Check your monthly statement for recurring debits and unwind each.
Call 1800 419 1414 / 0124 280 1800 (from outside India) (24×7) and request credit-card closure. The agent will: (a) confirm balance is ₹0, (b) attempt a retention offer (annual fee waiver, additional rewards, loan-against-card etc.) — politely decline if you've decided, (c) raise a closure ticket with reference number. Note the ticket reference. Don't accept the retention offer just to keep the call short — that doesn't close the card and you'll be in the same position next year.
Email Indian.Customer.Service@aexp.com with subject "Credit Card Closure Request — Card ending XXXX" and reference the ticket number from step 4. For paper trail, also send a signed letter via Speed Post to Amex's registered address (find via the bank's contact page). Mention card number (last 4 digits only), full name as per KYC, ticket reference, and "no outstanding balance." Banks must close the account within 7 working days per RBI's Master Direction — Credit Card and Debit Card Issuance 2022. If they delay or charge anything post-closure, file with RBI Banking Ombudsman.
For most cardholders, downgrading is better than closing: you keep the credit history age, avoid the utilization-ratio spike, and stop paying annual fees. Amex offers product change (downgrade) via customer-care call — request "product change to lifetime-free tier" instead of closure.