Cancelling your credit card

To cancel your credit card, give us a call

Before you cancel your card

Before cancelling your credit card, review the information below to help make the process as smooth as possible.

Settle all outstanding balances, including unbilled transactions, fees, instalment plans and accrued interest.
Cancel any recurring payments, subscriptions and standing instructions linked to your card.
Redeem any available rewards, as these may be forfeited upon cancellation.
Ensure you no longer need any supplementary cards linked to the primary card, as they will also be cancelled.
If your card has a credit balance, use or transfer the excess funds before submitting your cancellation request.

What happens after you submit your request?

Your card will be blocked from further use once we’ve processed your cancellation request. Your card account will be closed once all applicable transactions have been processed and any outstanding amounts have been settled.

Transactions submitted by merchants after you submit your request, including recurring payments, delayed transactions, fees and accrued interest, will remain payable. Once your card has been cancelled, you'll receive a confirmation email.

Cancelling your card does not automatically cancel recurring payments or subscriptions arranged directly with merchants. You may need to contact each merchant separately to cancel or update them.

FAQs

Can I cancel my card if there is an outstanding balance?

The total outstanding balance, including unbilled transactions, fees, instalments and applicable interest, must be settled before your card account can be closed.

What happens to my instalment plans?

Any active instalment plan may need to be settled before cancellation. Applicable early settlement charges may apply in accordance with your card’s terms and conditions.

What happens if my card has an excess or credit balance?

If your credit card has an excess balance, we recommend using the available amount before requesting closure. You may also request a refund or transfer of the excess balance, subject to the applicable process.

If the balance is not used, Emirates NBD will automatically adjust it against one of the following, if available:

Another Emirates NBD personal credit card under the same Customer Identification Number.
A linked Emirates NBD individual account under the same Customer Identification Number.

If you do not hold any of the above Emirates NBD products, the excess balance will be handled separately.

How can I claim my excess balance if I do not have another credit card, current account or savings account, or if I only have a joint account?

If your credit card is closed with an excess balance, the refund will be handled based on the amount:

If the excess amount is more than AED 100, a manager’s cheque will be issued in your name and sent to your registered address. Applicable charges will apply in accordance with your card’s terms and conditions.
If the excess amount is AED 100 or less, the amount will be held by Emirates NBD until you request a refund.

Can charges appear after I request cancellation?

Yes. Delayed merchant transactions, recurring payments, fees or accrued interest may be posted after your request. You remain responsible for settling these amounts when they appear on your statement.

What happens to my rewards?

Unused rewards may be forfeited when your card is cancelled. You should redeem them before submitting your request, subject to the relevant programme terms and conditions.

Will my supplementary cards also be cancelled?

Yes. All supplementary cards linked to the primary credit card will be cancelled when the primary card account is closed.

Do I need to cancel my subscriptions separately?

Yes. You must contact the relevant merchants to cancel or update subscriptions, recurring payments and standing instructions linked to your card.

Can I continue using my card after submitting the request?

No. Once your card has been blocked or your cancellation request has been processed, you should not attempt to use the primary or supplementary cards.

How will I know that my card has been cancelled?

A cancellation confirmation will be sent to your registered email address once the closure is complete.

Will cancelling my card affect my credit record?

Information about your card closure will be shared with the relevant credit bureau in accordance with applicable reporting timelines. Any unpaid or overdue amount may affect your credit record.

If you have any concerns about the cancellation or refund process, you may contact us through our official customer support or complaints channels.

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