How To Cancel UOB Credit Card?

Credit cards are like drugs for those who are unorganized like me, they can ruin you if not used wisely, and banks like UOB know this. If you too realized this recently and are looking for ways to cancel your UOB credit card, then I am here to your rescue. There are numerous offers and coupons for which our credit card provider calls us 20 times a day, but they never tell you the pros and cons and we fall into the trap.

Many like my Dad are quite organized and have multiple credit cards, but with great power comes greater responsibility too, he often tells me. Reasons could be many, like you already have a decent credit card and you just availed this UOB one out of curiosity or there have been some promotional offers on this only for your purchase online. Now you feel like shredding off the extra load, no worries, we will do this quickly.

This guide will help you understand the procedure for canceling and as it is something related to your hard-earned money, you must also read the important pointers I have mentioned which you must remember while you conduct the cancelation process. Let’s start quickly before you see some other lucrative offer on Amazon.

What are UOB Credit Card Plans, Charges, and Benefits?

UOB is one of the most premium finance service providers which offers a variety of credit card plans. You can select as per needs, different spending habits, and preferences. Read and understand below;

Plans:

UOB has credit cards for different categories which include travel, cashback, air miles, and routine spending. Some popular options are:

• UOB One Card: Offers cashback on groceries, online shopping, transport, and more.
• UOB PRVI Miles Card: Earn miles for your travel expenses.
• UOB Lady’s Card: Designed specifically for women with benefits like discounts on beauty and fashion.
• UOB Visa Infinite Card: Premium card with travel benefits and airport lounge access.

Charges:

There are two main types of charges associated with UOB credit cards:

• Annual fees: Most UOB cards have an annual fee, but some waive it if you meet certain spending requirements. You can find the annual fee for each card on the UOB website. Many promotional offers are released by UOB for lifetime free credit cards, which means there is no annual fee.

• Other charges: Some other charges include late payment fees, foreign transaction fees, and fees for replacing a lost card.

Benefits:

UOB credit cards are usually offered with a variety of benefits which depend on your plan. Some of the common benefits are:

• Cashback: This allows you to earn a percentage of your spending back in cash.
• Miles: You can redeem your miles earned for flights, hotels, and other travel expenses.
• Rewards points: You can also redeem points earned for discounts on travel, merchandise, and more.
• Insurance: Free travel insurance, purchase protection, and other types of coverage.
• Discounts: Exclusive discounts offerings at many partner merchants.

Also, read How To Cancel Fraavy Subscription?

Points to Remember Before You Cancel UOB Credit Card

Some important points that you should go through understand and remember before you cancel your UOB credit card:

Settle Outstanding Balances:

• Make sure that you’ve paid off your all credit card balances which include any outstanding payments or EMIs. UOB could reject your cancellation request if there are any unpaid dues.

Redeem Your Rewards:

• Don’t lose out on your hard-earned rewards and ensure you redeem all your UNI points, miles, or cashback before you cancel the credit card. Many banks like UOB’s policy include a policy to forfeit unused points upon closure.

Check for Outstanding Fees:

• Check for any pro-rated annual fees or other charges which might be applicable until your cancellation date. As per UOB’s terms you might still be liable to pay these.

Alternatives to Cancellation:

• If it’s your card type, limit, rewards, or any such issue behind your reason to cancel the credit card with UOB then you must once try reaching out to UOB customer support and put forward your concern and ask for options that might suit you. This way, you can keep your credit line open and avoid any potential impacts on your credit score.

How to Cancel UOB Credit Cards?

There are different methods which you can select from to cancel the credit card. I have them below, read, understand, and apply carefully:

Also, read How To Cancel Ryze Mushroom Coffee Subscription?

How to Cancel UOB Credit Cards Online?

The first simple option is to cancel your UOB credit card manually through the steps mentioned below;

1. Open the UOB Mighty mobile app on your phone. 

2. Log in to your respective UOB account.

3. Go to the Cards tab. 

4. Here, you can see your active UOB card/s.

5. Select the card that you do not wish to keep anymore.

6. Press the Cancel Card button for it. 

7. Follow the on-screen instructions to complete and submit the process.

How to Cancel UOB Credit Cards Over the Phone?

Another simple option is to call UOB customer support and request them for credit card cancellation. This could be a bit tricky because of banking frauds you might be asked to clear multiple layers of I.D verification, read the process below;

1. From your registered mobile number only, dial the number 1800 222 2121 (Singapore) or +65 6222 2121 (Overseas) which are the UOB credit card cancellation hotline numbers.
2. Once your call connects, one of their customer support representatives will start the conversation by asking for some details, keep all your details handy and the wrong details could raise a red flag for them. 
3. Provide any personal as well as card details like D.O.B, Parentage, card number, and the security question that you have selected in the account settings.
4. After the satisfactory submission of your details, they might ask you the reason and be clear with that too.
5. A Cancellation request will be submitted and you might also receive a confirmation for the same.

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How to Cancel UOB Debit Cards Online?

In many cases, people part ways with their banks by canceling both credit and debit cards or might stop using the banking physically to avoid late fees. Read the method below to cancel the UOB debit card;

1. Log in to your account on your UOB Mighty mobile app
2. Go to the Cards section. 
3. Select the debit card that you wish to cancel
4. Tap the “Cancel Card” button for the same. 
5. Requests will be submitted.

How to Cancel UOB Supplementary Card?

In case you have a UOB supplementary card and you also wish to cancel it, follow the few simple steps mentioned below;

1. Log in to your UOB Mighty mobile app and go to the Cards tab. 
2. Select the supplementary card that you do not want anymore.
3. Tap the Cancel Card button to submit the request. 

Also, read How To Cancel EOS Membership? Easy Guide

Conclusion

Banking services are crucial for both the banks and the customers. Any small wrong step could land us in trouble. Any change that you need to make in your account you must connect with your bank directly and understand. Many third-party vendors and links promise many banking services and ask for your bank details, don’t fall prey to them and use only the official websites or apps. Educate yourself on any such stuff to safeguard your hard-earned money.

Frequently Asked Questions