How to Get a Credit Card NOC Letter?

By OneCard   |   January 29, 2025

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An NOC letter is a No-Objection Certificate from the bank sent to you when you close your account. The credit card issuer or the bank issues the NOC, which states that you have paid all your outstanding dues in full and there are no pending payments. The NOC letter marks the formal closing of your account. Follow the procedure below to acquire the NOC letter for a settled credit card and understand its importance.


Why do you Need an NOC for a Settled Credit Card?

When you have paid and settled all your outstanding dues against your credit card, you must request an NOC letter from your bank. This proves that you have settled your outstanding dues. With this certificate, you can obtain easy loan approvals and EMIs. Furthermore, it also acts as proof of settlement, improving your credit score. Generally, you will receive your NOC within 45 days of your credit card settlement.

How to Apply for NOC

Credit card issuers have also started offering online options to ensure a smooth process, where the bank sends the digital NOC to your email ID within a few days of receiving all the necessary information. For instance, One Credit Card allows you to do this procedure online through its app. Here is the step-by-step procedure to apply for a NOC:

  1. To begin with, write a letter to your credit card issuer, attaching all the necessary documents, such as proof of settlement and invoices. In the letter, request the credit card issuer to return all your original documents, including the NOC credit card letter.

  2. If all your outstanding payments are cleared and all the requirements are met, the credit card issuer will review the request and issue the NOC letter for a credit card.

Documents Required to Avail NOC Letter

To acquire a credit card NOC letter, it is important to submit the following documents:

  1. This could include a PAN card, Aadhar card or voter ID.

  2. This could be a copy of your account statement showing that all the outstanding dues, including loans and EMIs, have been cleared.

  3. Residential proof, such as electricity bills, is needed to ensure the credit card NOC letter is delivered to the registered address.

Also read: Understand OneCard Credit Card Bill Repayment

Importance of Credit Card NOC Letter

Securing a NOC letter implies the credit card settlement and serves as proof of repayments. Here are a few reasons why it’s important:

1. Improves Your Credit Score

Repaying your outstanding dues can positively affect your creditworthiness and credit score. Submitting the credit card NOC letter to credit bureaus can show credit responsible behaviour and improve your credit score.

2. Proof of Settlement

A credit card NOC letter is proof of clearing all your outstanding payment dues. It ensures that the bank or the credit card issuer does not ask you to cover any outstanding dues later. This proof also helps you procure loans and EMIs in the future.

3. Avoids Legal Trouble

Non-repayment or delay in payment of dues can attract penalty charges or legal proceedings. To avoid such legal action, a NOC letter for a credit card can be legal proof that you have repaid all outstanding loans and dues.

To conclude, securing your NOC letter for a credit card is not just a mere formality but also plays a significant role in your financial history. This NOC letter ensures you have settled all your payment dues while improving your credit score. Follow the above procedure to acquire an NOC letter for a settled credit card.


**Disclaimer: The information provided in this webpage does not, and is not intended to, constitute any kind of advice; instead, all the information available here is for general informational purposes only. FPL Technologies Private Limited and the author shall not be responsible for any direct/indirect/damages/loss incurred by the reader for making any decision based on the contents and information. Please consult your advisor before making any decision.