If you’re planning to close your HDFC credit card, it’s important to follow the right process to avoid any issues with your credit score or banking history. Whether it’s due to high annual fees, low usage, or simply because you no longer need the card, HDFC Bank offers both online and offline methods to cancel your credit card easily and securely.
In this article, we’ll walk you through all the ways to close your HDFC credit card, what to keep in mind before cancellation, and how it can impact your credit profile.
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✅ When Should You Close an HDFC Credit Card?
Before jumping into the closure process, here are some situations where closing your HDFC credit card may make sense:
- You no longer use the card but are still paying annual charges.
- The card was lost or stolen, and you want to avoid misuse.
- You’re struggling to manage debt and want to reduce your liabilities.
- You have multiple credit cards and want to streamline your finances.
🔐 Things to Do Before Closing Your HDFC Credit Card
Closing a credit card isn’t just about sending a request — there are a few essential steps to take:
- Clear All Dues: Make sure there are no outstanding balances or EMIs on your credit card.
- Redeem Reward Points: Use up any accumulated reward points or cashback benefits before initiating closure.
- Cancel Auto-Payments: If your credit card is linked to any subscriptions, utilities, or EMI payments, cancel them in advance.
- Download Statements: For future reference, keep a copy of your latest credit card statements.
🖥️ How to Close HDFC Credit Card Online
Option 1: Through HDFC Net Banking
- Log in to your HDFC NetBanking account using your customer ID and password.
- Go to the “Cards” section and select “Credit Cards.”
- Click on “Request” and then choose “Credit Card Hotlisting.”
- Select the card you wish to close and provide a reason.
- Submit the request.
Once processed, your card will be permanently blocked or cancelled.
Option 2: Through HDFC MyCards App
- Download the HDFC MyCards app on your smartphone.
- Log in using your registered mobile number and OTP.
- Select the credit card you want to close.
- Choose the reason for closure.
- Confirm the request using OTP.
🏦 How to Close HDFC Credit Card Offline
Option 1: Visit HDFC Bank Branch
- Visit your nearest HDFC branch.
- Request a Credit Card Closure Form.
- Fill in the form with the required details.
- Submit it at the counter.
Option 2: Send a Written Application by Post
- Download the closure form from HDFC’s official website.
- Fill in your card number, contact details, and reason for closure.
- Write a covering letter to the Branch Manager.
- Send the form to the nearest HDFC Bank branch.
Option 3: Call Customer Care
You can also cancel your card by calling HDFC Bank’s customer support:
- Toll-free numbers: 1800 202 6161 / 1860 267 6161
Provide your card details and request cancellation.
🚫 Can You Close HDFC Credit Card via EVA Chatbot?
No, HDFC’s EVA chatbot only allows you to block a card in case of theft or loss — it does not support full card closure.
⚠️ Important Points to Remember
- Impact on Credit Score: Closing a credit card can reduce your total credit limit and affect your credit utilization ratio, potentially lowering your CIBIL score.
- Outstanding Dues: If you close a card with unpaid balances, it may reflect negatively in your credit report.
- No Reactivation: Once closed, you can only reactivate the card by filling out a Credit Card Reactivation Form and sending it to HDFC with supporting documents.
💡 Final Thoughts
Closing your HDFC credit card is easy — but the decision should be made thoughtfully. Make sure all dues are cleared, rewards are redeemed, and your credit usage is not heavily impacted. Whether you choose an online method via NetBanking or mobile app, or offline via a branch visit, following the proper process ensures a smooth closure experience.
If you’re managing multiple credit cards and need help with financial planning, visit Loan Help India for expert tips, credit score guidance, and more.