How To Close HDFC Credit Card?

Closing your HDFC credit card is a simple process. While HDFC credit cards offer many benefits, if you need to cancel, HDFC Bank has made it easy. This guide provides a comprehensive overview of the HDFC credit card closure procedure, covering everything you need to know about how to close an HDFC credit card.

When to Cancel your HDFC Credit Card?

• If your credit card is stolen or lost, you must immediately close or cancel your card.
• If you do not use the credit card but pay the annual charge, you can opt to close your card.
• You may be worried about getting credit card debt due to non-maintenance of payments, so opting to close the account is required.
• Your requirement for the card has been fulfilled, and keeping the card is unnecessary.

How to Close HDFC Credit Cards Online?

There are two ways to close your HDFC credit card online: net banking or mobile banking. Let us find out more about these two methods in detail. 

Net Banking 

The following is a step-by-step guide to cancel HDFC credit cards online via the official HDFC Net Banking portal:

• Step 1: Visit the official Net Banking portal of HDFC Bank and log in using your customer ID and password. 
• Step 2: Navigate to the ‘Cards’ tab on the main page and click on it. A few options will be displayed on the screen. 
• Step 3: Choose the ‘Credit Card’ option and click on ‘Request’. 
• Step 4: Select ‘Credit Card Hotlistlisting’.
• Step 5: Select the credit card that you want to close.
• Step 6: Select the reason for hotlisting and submit it.

Once you complete the above steps, HDFC Bank will close/block your credit card. 

Mobile Banking 

Here is a stepwise process you need to follow to close HDFC credit cards via a mobile banking app:

Step 1: Download the HDFC MyCards app on your mobile phone to proceed with card closure.

Step 2: Open the app and enter your registered mobile number.

Step 3: You will receive an OTP. Enter the same to log in to the account.

Step 4: Now, you need to select the credit card that you intend to close. Consider the following as per your situation:

• If you are not registered under MyCards: Enter your credit card’s last 4 digits.
• Single credit card holder: proceed to the next step.
• In case of a multiple card holder: Select your card from the list in the app or add the same if it is not registered.

Step 5: Select the reason to close the card.

Step 6: Again, an OTP will be sent for authentication. Input the same. Your request for credit card closure will be submitted.

How to Close HDFC Credit Cards Offline?

Here’s how you can close HDFC credit cards offline: 

• Step 1: Visit the nearest branch of HDFC Bank. 
• Step 2: Obtain an HDFC Credit Card Closure Form from a bank representative. 
• Step 3: Fill it up carefully and submit it at the bank counter. 

How to Close HDFC Credit Cards via Customer Care? 

Besides online and offline methods, you can close your HDFC credit card through customer care support by following the below steps:

Step 1: Contact an HDFC Bank representative by calling 1800 202 6161 or 1860 267 6161. 

Step 2: Request to cancel the credit card after specifying the credit card number and the reason behind closing it. 

How to Close HDFC Credit Cards by Sending Applications Via Post? 

An individual can close their HDFC credit card by sending an application to the bank branch via post by following the below steps: 

• Step 1: Download the ‘HDFC Credit Card Closure Form’ from the bank's official website. 
• Step 2: Fill in all the required details, such as your card number, particulars and contact information. 
• Step 3: Write an application addressing the nearest branch manager regarding the reason behind closing the credit card. 
• Step 4: Attach the form with the written application. 
• Step 5: Send the form via post to the nearest HDFC Bank branch. 

How to Close HDFC Credit Cards via Virtual Assistant EVA? 

You cannot close your HDFC credit card via EVA, HDFC’s virtual assistant. You can only block your credit card through EVA.

Things to Keep in Mind When Closing HDFC Bank Credit Card

While closing a credit card of any Indian bank, including HDFC Bank, it is in the best interest of a cardholder to consider certain factors, which are as follows:

• Credit Score 

Closing an HDFC credit card, regardless of its age, can influence your credit score by altering your credit utilization ratio and average account age. Before proceeding with the HDFC credit card closure, evaluate how it might affect your credit score and ensure you're comfortable with the potential impact.

• Unpaid Balance 

The remaining outstanding balance on your HDFC credit card at the time of closure can negatively impact your credit score, leading to potential penalties like extra fees or interest charges. To avoid these consequences, ensure all dues are cleared before closing your account.

• Reward Redemption 

HDFC Bank offers various benefits like reward points and cashback to its credit cardholders. Closing your credit card means losing access to these perks. It’s recommended to redeem your reward points before closing your HDFC credit card to make the most of the benefits.

Consequences of Closing Your Credit Card

Closing an HDFC credit card is a personal decision, but it’s important to carefully weigh the consequences. It can impact your CIBIL score and disrupt the payment history, especially for those with a long-standing credit history. Be sure to assess the potential drawbacks before making your decision.

How to Reactivate a Closed or Cancelled HDFC Credit Card?

Follow the below steps to reactivate your closed or cancelled HDFC credit card: 

Step 1: Visit the official website of HDFC Bank. 

Step 2: Download the HDFC Credit Card Reactivation form and fill it up carefully. 

Step 3: Attach the supporting documents. 

Step 4: Send the form via the post to the credit card division of the HDFC Corporate Office. 

Once you submit your application, a bank representative will process it and verify the documents provided. Upon successful verification, HDFC Bank will proceed with reactivating your closed credit card.

Now that you know how to close your HDFC credit card using both online and offline methods, choose the option that best fits your needs. However, before proceeding, take time to carefully review all essential factors and potential consequences to ensure an informed decision.

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