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How to cancel a credit card

You can cancel your credit card at any time in just 5 steps. Here's how – plus details for major lenders including ANZ, CommBank, NAB and Westpac.

When you don't want to use a credit card any more, you can close the account. It's usually simple to do this online or over the phone, but there are a few details you need to check before you can completely cancel a card. So, let's take a look at how it works for credit cards in Australia.

5 steps to properly cancel your credit card

Follow these steps to cancel a credit card successfully:

  1. Pay or transfer the outstanding balance. Make sure the balance on the card is $0 so that you can completely close the account.
  2. Use any reward points. Redeem your points for rewards or transfer them to another loyalty program so that you still get value from them.
  3. Cancel direct debits. Avoid penalty charges and other issues by transferring or cancelling direct debits.
  4. Cancel the card. Depending on the provider, you could cancel your credit card over the phone, online or in writing. Make sure you keep a record of the request by taking a screenshot, reference number or copy of the documents.
  5. Destroy the credit card. Once your credit card provider has confirmed the cancellation, cut the card into pieces (for security) and throw it in the bin.

Keep in mind that the actual time it takes to cancel a credit card can vary depending on how long your provider takes to process it.

So if you haven't received any notice of the account closure within 1–2 weeks, follow up with them. Or, if you still bank with them, log into your account to see if the card has been cancelled.

What number do I call when I want to cancel my credit card?

Many credit cards include a phone number on the back that you can call for account enquiries and cancellations. Otherwise, here are details for contacting the major card companies to cancel your card:

ProviderContact informationAvailabilityOther ways to cancel your credit card
American Express1300 132 6396:00 am - 12:00 midnight (AEST), 7 days a week
  • Online:
    • Log in to your account.
    • Go to Account Management > Card Management > Cancel Card Account.
  • Request a cancellation using the online chat.
  • Phone: Call the number on the back of your Amex credit card or the general contact number.
ANZ13 22 7324 hours, 7 days a week
  • Online via ANZ Internet Banking:
    • Log on to your account.
    • Select Contact > Card enquiries > General card enquiries.
  • Online: Using the Decrease credit card limit or close credit card account request online form.
  • Phone: If calling from overseas, dial +61 3 9683 9999.
  • In person: Visit your nearest branch.
Bank of Melbourne13 22 6624 hours, 7 days a week
  • Mobile app:
    • Log in to your account.
    • Click on the card you want to close, then select Services > Close account and follow the prompts.
  • Online:
    • Select My Accounts > Card Services > Manage My Accounts.
    • Click on the card you want to close and follow the prompts.
  • Phone: If calling from overseas, dial +61 3 8536 7870.
  • In person: Visit your nearest branch.
BankSA13 13 7624 hours, 7 days a week
  • Mobile app:
    • Log in to the app if prompted.
    • Click on the card you want to close, then select Services > Close account and follow the prompts.
  • Online:
    • Log in to your account.
    • Select My Accounts > Card Services > Manage My Accounts.
    • Click on the card you want to close and follow the prompts.
  • Phone: If calling from overseas, dial +61 2 9155 7850
  • In person: Visit your nearest branch.
Bankwest13 17 1924 hours, 7 days a week
  • Mobile app:
    • Click on the card you want to close, then select Manage > Close account.
  • Online:
    • Log in to your account.
    • Click on the card you want to close, then select See more account details > Close account.
  • In person: Visit your nearest branch.
Citi13 24 8424 hours, 7 days a week
  • Online:
    • Log in to your account.
    • Go to Credit card services > Manage my account > Account closure request and follow the prompts.
  • Phone: If calling from overseas, dial +61 2 8225 0615.
Coles1300 306 39724 hours, 7 days a week
  • Online:
    • Log in to your account.
    • Go to Manage My Card > Account closure request and follow the prompts.
Commonwealth Bank13 22 2124 hours, 7 days a week
  • CommBank App:
    • Log on to your account
    • Select "Accounts" then choose your credit card.
    • Tap "Manage Account" then "Close credit card account".
    • To know whether you’re eligible, read the “Things to know about closing your credit card account”
    • Click on “Continue” at the bottom then “Close account”.
  • Online via Netbank:
    • Log on to your account.
    • Select “View accounts” then choose your credit card using the drop-down menu.
    • Click the “Account settings” drop-down.
    • Choose “Close my credit card account”.
    • To know whether you’re eligible, read the “Things to know about closing your credit card account”
    • Click on “Continue” at the bottom then “Close account”.
  • Phone: If calling from overseas, dial +61 2 9999 3283.
  • In person: Visit your nearest branch.
HSBC132 15224 hours, 7 days a week
  • Online:
    • Log in to your account.
    • Go to Credit Cards Online > Manage your Account > My Cards > Close my Credit Card Account.
    • Follow the prompts to complete the cancellation process.
  • Phone: If calling from overseas, dial +612 9005 8511.
  • For HSBC Premier customers: Call the HSBC Premier Centre on 1300 301 168. If calling from overseas, dial +612 9005 8192.
Latitude Financial Services1300 552 079Monday to Friday:

8:30am - 8pm (AEST)

Saturday:

9:00am - 6:00pm

  • Mobile app:
    • Open the app and tap on the card you want to close.
    • Go to the Menu and select Manage account > Close account request.
    • Follow the prompts to complete the cancellation.
  • Online: Fill in the request form found on the Latitude Financial Services website.
  • Phone: If calling from overseas, dial +61 287 478 178.
NAB13 22 65Monday to Friday:

8:00am - 7:00pm, or

Sunday to Sunday:

9:00am - 6:00pm

  • Online:
    • Log in to your account.
    • Go to Cards and click on the card you want to close.
    • Select Manage your card > How to close your account and follow the prompts using NAB's secure chat service.
  • Phone: If calling from overseas, dial +61 3 8641 9083.
  • In person: Visit your nearest branch.
Qantas Money1300 992 70024 hours, 7 days a week
  • Online:
    • Log in to your account.
    • Click on the card, then select "Close account" and follow the prompts.
  • Phone: If calling from overseas, dial +61 2 8222 2569.
St.George13 33 3024 hours, 7 days a week
  • Mobile app:
    • Log in to your account.
    • Tap the card you want to cancel, then click on Services > Close account and follow the prompts.
  • Online:
    • Log in to your account.
    • Select My Accounts > Card Services > Manage My Accounts.
    • Click on the card you want to close and follow the prompts.
  • Phone: If calling from overseas, dial +61 2 9155 7800.
  • In person: Visit your nearest branch.
Virgin Money13 37 3924 hours, 7 days a week
  • Online:
    • Log in to your account and select Services from the top menu bar.
    • Select Card Services > Manage my Account > Account Closure Request and follow the prompts.
  • Phone: If calling from overseas, dial +61 2 8288 2222
Westpac132 032Monday to Friday:

8:00am - 8:00pm

  • New Westpac app:
    • Tap the card you want to close.
    • Tap the Information icon > Close account.
  • Classic Westpac app:
    • Tap the card you want to close.
    • Tap Services > Close credit card account and follow the prompts.
  • Online:
    • Go to Service > Services > Account Services.
    • Select Close an account, click on the card you want to close and follow the prompts.
  • Phone: If calling from overseas, dial +61 2 9155 7700.
  • In person: Visit your nearest branch.

Finder survey: How many credit cards do people usually have?

ResponseMaleFemale
153.2%49.14%
019.17%32.07%
221.62%15%
35.26%2.76%
40.19%0.86%
50.56%0.17%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023

What else should I think about before cancelling my credit card?

If you're getting ready to close your credit card account, keep the following details in mind to make the process as smooth as possible.

  • Annual fees. If your credit card has an annual fee, check when it is due to be charged so you can avoid paying it before you close your account. You can do this by looking at your account history or asking the credit card company.
  • Applying for a new credit card. If your plan is to cancel one card and apply for another one, think about how long it's been since you last applied for a credit card. If it's been less than 12 months, keep in mind that applying for a few cards in a short amount 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. This strategy can help improve your chances of approval for a new card down the track.

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