Closing an HDFC credit card is a simple process, designed to ensure cardholders can deactivate or cancel their cards easily. Whether you're looking to switch to a card that better suits your needs, simplify your finances, or stop using credit cards altogether, HDFC Bank provides multiple options to help you close your card effectively.
This page will walk you through how to close your HDFC credit card online, through customer care, or by submitting an HDFC Bank Credit Card Closure Form.
You can close your HDFC Credit Card by using Net Banking or Mobile Banking, call customer care at 1800 202 6161, or submit a written request via post or at a branch.
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Figuring out the right time to close your HDFC credit card can save you money and simplify your finances. Consider canceling your HDFC credit card under the following circumstances:
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Closing your HDFC credit card online is a simple process, and these steps will help you through it:
Step 1: Go to the official HDFC Bank Net Banking portal and log in with your customer ID and password.
Step 2: Click on the ‘Cards’ tab located on the main page.
Step 3: Several options will appear on the screen. Select the ‘Credit Card’ option and click on ‘Request’.
Step 4: Choose ‘Credit Card Hotlisting’.
Step 5: Pick the credit card you wish to close.
Step 6: Indicate the reason for hotlisting and submit your request.
Step 1: Download the HDFC MyCards application on your smartphone to initiate the card closure process.
Step 2: Launch the app and input your registered mobile number.
Step 3: You will receive an OTP. Enter it to log into your account.
Step 4: Now, choose the credit card you wish to close. Depending on your situation, consider the following:
Step 5: Choose the reason for closing the card.
Step 6: An OTP will be sent again for verification. Enter it. Your request for credit card closure will be processed.
Don't know your credit score? You can find out for free!
If you prefer to get it done through an offline method here is how to close your HDFC credit card offline:
Manager, HDFC Bank Cards Division,
P.O.Box No.8654, Thiruvanmiyur P.O., Chennai – 600 041.
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RBI’s New Rules on Credit Card Closure
Credit cards must be closed within 7 working days after the cardholder makes a request, provided all dues are cleared.
If the issuer fails to close the card on time, a penalty of ₹500 per day will be charged until the account is closed.
Cardholders can request closure through various channels such as:
Any unused credit balance in the account must be refunded to the cardholder’s bank account.
Card issuers must inform credit bureaus about the card closure within 30 days of the closure.
EVA is HDFC Bank's AI-powered chatbot that helps you manage your credit card account online, like checking balances, viewing statements, and getting answers to your questions. Using HDFC’s virtual assistant EVA you cannot close your HDFC credit card. EVA can only be used to block your credit card or for the reporting dispute(ODR).
The steps to block the credit card are as follows :
Before you proceed, keep these important points in mind to ensure smooth closure of your HDFC credit card :
Closing a credit card affects your credit utilization ratio and the average account age, both of which contribute to your credit score.
Ensure all dues, including pending EMIs, interest, and fees, are cleared before requesting closure. Outstanding balances can result in additional penalties or interest charges and delay the closure process.
Redeem any accumulated reward points or cashback offers, as these will expire once the card is canceled.
Cancel any auto-debit instructions, such as bill payments or subscriptions, linked to the card to avoid disruptions after closure.
If replacing the card, apply for a new credit card before initiating the closure process to maintain access to credit and benefits.
Are you looking for a personal loan?
Contact HDFC customer care or send a written request to the bank branch to close the card, ensuring all dues are cleared.
Log in to HDFC NetBanking, go to the “Cards” section, choose the loan, and select the foreclosure option.
No specific documents are needed, but ensure all dues are paid and submit a written closure request with your card details.
No fee is charged for closing the credit card unless there are outstanding dues or prepayment penalties on card loans.
Card closure typically takes 7–10 business days after submitting the request and clearing all dues.
All pending dues, including EMIs and interest, must be paid in full before the card can be closed.
Closing a card may slightly impact your credit score due to reduced credit utilization and credit history length.
No, once closed, a credit card cannot be reopened; you must apply for a new card.
Confirm the closure by contacting customer care or checking your credit report for the card's updated status.
HDFC may offer options like upgrading the card, waiving annual fees, or converting dues to EMIs to retain customers.
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