How to close a Citibank credit card permanently?
Radha Biswas
Asked 18 Mar 2026
2
I want to close my Citibank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
1 Answer
13
Sneha Laloo·7 Apr 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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