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How to cancel your Australian credit card

A step-by-step guide to closing your credit card account, including what phone numbers to use for different providers.

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Man's hands cutting up credit card.

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While you can cancel a credit card at any time, there are a few important details to check before you can settle the account and cut up the card in your wallet. To help keep things simple, here you'll find steps on how to properly cancel a credit card, contact details for some of the main credit card providers in Australia and some of the other important factors to think about before you completely close the account.

How to properly cancel your credit card

Follow these steps to cancel your credit card successfully:

  1. Pay or transfer the outstanding balance. Your card needs to have a $0 balance before you can cancel it.
  2. Transfer any reward points. Redeem them for rewards or transfer them to another program so that you still get value from the points you've earned using this card.
  3. Cancel direct debits. Avoid penalty charges and other issues by transferring or cancelling direct debits.
  4. Cancel card. If you cancel the card over the phone, make a record of the date, time, and name of the representative you speak with.
  5. Cancel your card in writing. If you need to send a cancellation request in writing, include your credit card number and account number in the letter and state your request for the card provider to close the account.
  6. Check for future statements. Log into your account following your request to make sure that the card has been cancelled.
  7. Destroy your credit card. Cut the card into pieces to make it impossible for anyone to put it back together.
  8. Confirmation. Your credit card provider should provide confirmation that your credit card account has been closed. If you haven't received any notice of the account closure within 1–2 weeks, follow up with your provider.

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 informationAvailabilitySteps available to cancel your credit card
ANZ13 13 1424 hours, 7 days a week
  • Telephone banking: If calling from overseas, dial +61 3 9683 9999.
  • Visit any nearest branch.
  • Via ANZ Internet Banking:
    • Log on to your account.
    • Select Contact > Card enquiries > General card enquiries.
American Express1300 132 63924 hours, 7 days a weekAlternatively, you can call the number which can be found at the back of your Amex credit card
Bank of Melbourne13 22 66Monday to Saturday:

8:00 am - 8:00 pm

  • Telephone banking: If calling from overseas, dial +61 3 8536 7870.
  • Visit any nearest branch
BankSA13 13 76Monday to Saturday:

8:00 am - 8:00 pm

  • Telephone banking: If calling from overseas, dial +61 2 9155 7850
  • Visit any nearest branch
Bankwest13 17 19Monday to Saturday:

8:00 am - 8:00 pm

  • Log on to your account via online banking and live chat to a customer service representative
  • Send a BankMail message
  • Visit any branch
Citi13 24 8424 hours, 7 days a week
  • Send a written notification
  • Call CitiPhone banking
Coles1300 306 39724 hours, 7 days a weekTelephone banking: If calling from overseas, dial +61 1300 306 397
Commonwealth Bank1800 006 729Monday to Friday:

9:00 am - 5:30 pm

  • Visit any nearest branch
  • Via CommBank App
    • Log on to your account
    • Select “View accounts” then choose your credit card.
    • Tap settings in the top right hand corner 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”.
  • 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”.
HSBC132 15224 hours
  • Telephone banking: 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.
NAB13 22 65Monday to Friday:

8:00am - 7:00pm, or

Weekends:

9:00am - 6:00pm

  • Telephone banking: If calling from overseas, dial +61 3 8641 9083
  • Send a secure message via Internet banking
  • Visit any nearest branch
St.George13 33 30Monday to Saturday:

8:00am - 8:00pm

  • Telephone banking: If calling from overseas, dial +61 2 9155 7800
  • Visit any nearest branch
Virgin Money13 37 3924 hours. 7 days a week
  • Telephone banking: If calling from overseas, dial +61 2 8288 2222
  • Visit any nearest branch
Westpac1300 651 0890Monday to Friday:

9:00am - 8:00pm

  • Telephone banking: If calling from overseas, dial +61 2 9155 7700.
  • Visit any nearest branch.

*Note: You cannot close your account online.

Woolworths1300 10 1234Monday to Friday:

8:00am - 8:00pm, or

Saturday:

9:00am - 5:00pm

  • Telephone banking: If calling from overseas, dial +61 2 8276 0144
  • Send a written notification

What else should I consider before cancelling my credit card?

If you're planning to close your credit card account, make sure you also consider the following factors before you take action.

  • Annual fees. Check when your credit card annual fee will be charged and whether or not this will affect the outstanding balance you'll need to pay before closing the account. If you want to avoid paying the annual fee for another year, check the date it was charged in the previous year (or the date when you opened your account) and cancel your card before the anniversary of that date.
  • Applying for a new credit card. If your plan is to cancel one card and apply for a new one, keep in mind that applying for a number of cards in a short amount of time 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.

Compare new credit card offers

If you're not happy with your current card but still want one on hand, you could find a better option by comparing some of the latest credit card offers here.

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Long-term Balance Transfer Offer
Finder Exclusive.
Save with 0% p.a. on balance transfers for 30 months and a discounted first-year annual fee.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
0% Purchase & Balance Transfer Offers
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
0% p.a. for 30 months with 1.5% balance transfer fee
$0 annual fee for the first year ($199 p.a. thereafter)
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% interest on balance transfers for the first 30 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
Qantas American Express Premium Card
20.74% p.a.
$249
100,000 Bonus Points & 50 Status Credits
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Up to 130,000 bonus Qantas Points & 75 bonus Status Credits
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
$500 e-voucher and Discounted First Year Annual Fee Offer
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months
$64 annual fee for the first year ($129 p.a. thereafter)
$129 Gift Voucher & Balance Transfer Offer
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129
0% Balance Transfer Offer & Annual Fee Refund
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
0% Purchase Offer & $0 First Year Annual Fee
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
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*The credit card offers on this page are chosen from a range of credit cards available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

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