Dubai First Credit Card refers to the range of credit cards issued by Dubai First, a brand and subsidiary of First Abu Dhabi Bank (FAB). If you are a Dubai First Credit Card holder who wants to cancel it and wonders how to cancel. You are in the right place. This article covers all the questions related to Dubai First Credit Card cancellation. Stay around.
Canceling a Dubai First credit card is a straightforward process, but doing it correctly helps you avoid unexpected fees, lingering balances, or credit score impacts. This process is straightforward once dues are cleared.
Things to Know Before Cancelling Your Dubai First Credit Card
Do not initiate cancellation until you complete these steps:
1. Settle All Outstanding Balances: Pay the full amount due to you, including any unbilled transactions, interest, late fees, or over-limit charges. Unpaid balances will block cancellation and may accrue more charges.
2. Check for Instalment Plans or Balance Transfers: Cancel or settle any Easy Payment Plans (EPP), balance transfers, Quick Cash, or loans. These may trigger early settlement fees if not handled properly.
3. Redeem Rewards or Cashback: Use or redeem any accumulated cashback, points, or benefits. They are typically forfeited upon closure.
4. Review Annual Fees: Annual fees are generally non-refundable once charged, even if you cancel soon after subscribing. Time your cancellation accordingly if possible.
5. Update Auto-Payments and Subscriptions: Switch any linked recurring payments to another card or method to avoid disruptions or declined transactions.
How To Cancel Dubai First Credit Card?
Whether you are switching providers, no longer need the card, or want to simplify your finances, cancelling is straightforward but requires preparation to avoid issues like persistent dues, fees, or credit score impacts. Here is what you need to do to cancel Dubai First credit card:
How to Cancel Dubai First Credit Card Over Phone?
You can reach out to the customer service team, tell them your intention to cancel the credit card, and continue with the request. Dial:
Within UAE: 04-5068888 or 600 545 500
International: +971 4 352 8228
General inquiries: 800 33
Call and clearly state that you want to cancel your credit card, not just block it or inquire.
The customer care representative will ask for contact information and other essential details that may be required to ensure a smooth cancellation process.
Provide verification details such as Emirates ID, card number, and personal info.
The representative will guide you.
Request a reference number for your call.
How to Cancel Dubai First Credit Card Via Closure Form?
Download the official Closure Form from the Dubai First website by following the steps below:
1. Go to the Dubai First website.
2. Go to “Help & Support.”
3. Click “Service Request Forms” and download the form.
Fill in details including: Card number, reasons for closure, personal info. Specify products to close and attach supporting documents such as an ID copy and the latest statement. Email the completed form to contactus@dubaifirst.com, or you can also submit it in person at a FAB/Dubai First branch.
- Expect a processing time; some users report 30-45 days for a final clearance letter.
Alternative Options
Here are some of the alternative options you can try after canceling the Dubai First credit card:
Mashreq Cashback Credit Card: It is the best alternative for all-round usage. You get up to 5% on dining, 2% on other international spend, and 1% on local purchases. The card is free for life. No salary transfer is needed. This card is often recommended as a top overall pick.
Wio Credit Card offers simple flat 2% cashback on everything. The card is free for life and digital-first. You just need AED 5,000 min. This card is an ideal pick if you want no tracking.
FAB Low-Rate Credit Card: This card is from the same group as Dubai First. The card is good for minimizing interest if you do not pay in full. This is an option you can consider if you are looking for one with low rates.
What to Expect After Cancellation?
After canceling your Dubai First credit card, here’s what you can usually expect:
1. Card Status: Your card is usually blocked or frozen right away for new transactions to prevent further use. You may still see it as “active” temporarily in the app until full processing.
2. Confirmation: You will receive an email or notification confirming the request. Full closure often takes a few days to several weeks. A clearance letter is issued after all dues are settled and any pending transactions clear. It can take 30 to 45 days.
3. Outstanding Balance: You remain fully liable until everything, including interest, fees, and any post-cancellation charges, is paid. The account stays open for this purpose.
4. The card will show as “Closed by Customer” on your credit report. This can slightly lower your score in the short term due to reduced available credit and shorter average account age.
Conclusion
So, it has come to the fore that cancelling a credit card is a simple process when all dues are cleared and you follow official channels. Prepare thoroughly, document everything, and obtain confirmation to ensure a smooth experience. This article provides you with a step-by-step guide on how to cancel your Dubai First credit card. Read on to know more about it.
FAQs
1. Can I cancel my Dubai First Credit Card at any time?
Yes, you can cancel your Dubai First Credit Card anytime. However, you must first clear all outstanding balances, including unbilled transactions, interest, fees, and any instalment plans. The bank will not process the cancellation with pending dues.
2. Do I need to submit a closure form to cancel my Dubai First Credit Card?
It is recommended for a formal record, especially if you want clear documentation. You can download the official Closure Form from the Dubai First Help & Support section. Fill it out accurately, attach required documents, cut your card in half, and submit via email or in person.
3. How long does the cancellation process take?
It varies. Phone requests may be noted immediately, but full processing and issuance of a no-liability or closure letter can take 7 to 45 days. Follow up if you don’t receive confirmation.
4. Will I get a confirmation or no-liability letter?
Yes, request a written confirmation or no-liability letter. This is important for your records, credit report, and any future needs. Keep a reference number from your call or submission.
5. Can I cancel through the Dubai First mobile app?
You can use the app to check balances, make payments, freeze the card, or view statements, but full cancellation requires contacting customer service or submitting the closure form.
