Guides

How to actually cancel a subscription in India.

In India, cancelling the app often isn't enough — the UPI AutoPay / NACH / card mandate keeps charging you. These guides cover both: how to cancel the service and how to kill the auto-debit at the source. Subwise reminds you before the charge; these show you how to stop it.

Hard to cancel · mandate-based

15 guides

Auto-debit keeps running until you cancel the mandate — not just the app.

UPI mandatemandate

UPI AutoPay mandate

The #1 reason a subscription keeps charging after you “cancelled” it. Remove the mandate in the UPI app that created it.

NACH mandatemandate

Bank e-NACH / NACH auto-debit

SIPs, insurance, EMIs and many subscriptions debit through a NACH mandate registered with your bank — cancel it at the bank, not just the merchant.

Card e-mandatemandate

Card auto-pay (standing instruction)

Recurring charges on a debit/credit card run on an RBI e-mandate (standing instruction). Cancel via your card issuer.

Investmentmandate

Mutual Fund SIP

Stopping a SIP has two parts: cancel the SIP instruction with your broker/AMC AND kill the auto-debit mandate.

Google (One / Workspace / Cloud)

Google bills via card or UPI AutoPay; the subscription and the mandate are separate.

Shopping / OTTmandate

Amazon Prime

End the membership and stop the UPI/card auto-renew — the two are separate.

Adobe Creative Cloud

Annual plans billed monthly carry an early-termination fee — cancel carefully.

LinkedIn Premium

You must cancel from a desktop browser — the mobile app hides the option.

Cult.fit (Cultpass)

Auto-renews, with cancellation buried deep in the app.

Times Prime

A notorious auto-renewer — turn off renewal well before the date.

Audible

Membership plus credits — cancel on the website, not the app.

ChatGPT Plus (OpenAI)

Billed on your card via Stripe.

Platformmandate

Apple (Apple One / iCloud+ / App-Store subs)

Every Apple and App-Store-billed subscription lives in one place — including many you’d never guess.

Insurance premium auto-debit

You can stop the auto-debit, but stopping payments can lapse the policy — decide intentionally.

Dating apps (Tinder / Bumble)

Almost always billed by Google Play or Apple — cancel there, not inside the app.

Quick cancels · a few taps

10 guides

Straightforward Account → Subscription → Cancel — still remember the UPI mandate.

Netflix

A clean, self-serve cancel from your account page.

Spotify

Downgrade to Free in a couple of taps.

Disney+ Hotstar

Manage the plan from your account.

YouTube Premium & Music

One toggle in your memberships.

Zomato Gold

Turn off auto-renew in the app.

Swiggy One

Manage the membership from your account.

ZEE5

Cancel from My Subscriptions.

SonyLIV

Turn off auto-renew in account settings.

JioCinema / JioHotstar

Manage from the app or MyJio.

Canva Pro

Self-serve cancel from billing settings.

Don't see your service?

Connect Gmail and Subwise tracks it automatically — then it reminds you on WhatsApp before every charge.

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