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.

Updated

Man's hands cutting up credit card.

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 (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
0% Balance Transfer Offer & Annual Fee Refund
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
Long-Term 0% Balance Transfer Offer
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
ANZ Low Rate
12.49% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 p.a. 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 22 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
No Annual Fee & 0% Foreign Transaction Fees
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Virgin Money No Annual Fee Credit Card
18.99% p.a.
0% p.a. for 12 months
$0 p.a.
No Annual Fee & 0% Balance Transfer Offer
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
Coles No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0 p.a.
No Annual Fee & 0% Balance Transfer Offer
Earn flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
0% Purchase Rate Offer & First Year Annual Fee Discount
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers. Ends 2 June 2020.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
120,000 Bonus Points & $275 back
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes. Ends 9 June 2020.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Long-Term 0% Balance Transfer Offer
Get 0% p.a. on balance transfers for up to 18 months with no balance transfer fee. Plus, a low annual fee and purchase rate. Ends 2 June 2020.
Westpac Altitude Platinum Qantas
20.49% p.a.
6.99% p.a. for 12 months
$200 p.a.
Balance Transfer Offer & 60,000 Bonus Points
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. on balance transfers for up to 18 months with no balance transfer fee. Plus, a low annual fee and purchase rate. Ends 2 June 2020.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes. Ends 9 June 2020.
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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