How to Close a Credit Card in the UAE
Close a UAE credit card with a written request, zero balance, blocked card and final confirmation under CBUAE consumer standards.
What the rule means
To close a UAE credit card, first clear the balance and pending transactions, then make a formal closure request. CBUAE consumer standards require written acknowledgement within two complete business days and closure within 45 calendar days unless a negative balance remains outstanding.
What to do next
1. Stop new charges and inspect pending items
Move subscriptions, redeem or understand rewards, and check instalments, holds, annual fees and supplementary cards.
2. Pay the verified final balance
Ask the bank for the amount needed to reach zero after pending items post. Keep payment evidence.
3. Submit a written closure request
Use the bank’s official app, secure message, branch or other accepted channel. Ask for the card to be blocked or frozen and retain the acknowledgement.
4. Obtain final written confirmation
Monitor statements until the bank confirms closure. Challenge any unauthorised interim fee promptly and keep the confirmation for credit-report or future dispute purposes.
Important: Cutting the physical card or leaving it unused does not close the account.
Before you act
After confirmation, check at least one later statement cycle and, when appropriate, your credit report. A small refund or credit balance can also keep an account open, so ask the bank how it will return any positive balance.
Official source and review note
Dubai Daily Guide reviewed this article on 8 October 2026 against CBUAE Rulebook — Business conduct ↗. Check the live service before acting because eligibility, documents, fees and processing steps can change.