How to Close HDFC Credit Card


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.

When to Close Your HDFC Credit Card

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:

  • Inactivity: If you rarely use the card and wish to avoid potential misuse or annual fees.
  • Multiple Cards: To simplify your finances by reducing the number of credit cards you manage.
  • High Fees: If the card's fees outweigh its benefits.
  • Debt Management: To prevent accumulating debt due to overspending.
  • Theft: If your credit card is lost or stolen, you should promptly close or cancel it.

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Steps to Close HDFC Credit Cards Online

Closing your HDFC credit card online is a simple process, and these steps will help you through it:

Steps to Close HDFC Credit Card by Net Banking

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.

Steps to Close HDFC Credit Card by Mobile Banking

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:

  1. If you are not registered with MyCards: Enter the last 4 digits of your credit card.
  2. If you hold multiple cards: Select your card from the list in the app or add it if it is not registered.
  3. If you are a single credit card holder: Move on to the next step.

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.

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Steps to Close HDFC Credit Card Offline

If you prefer to get it done through an offline method here is how to close your HDFC credit card offline:

Steps to Close HDFC Credit Card by Visiting a Branch

  • Locate Branch: Find your nearest HDFC Bank branch.
  • Prepare Documents: Carry a valid ID proof and your credit card.
  • Submit Request: Fill out the 'Credit Card Closure Form' available at the branch.
  • Acknowledge: Obtain an acknowledgment receipt for your request.

Cancel HDFC Credit Card by Calling Customer Care

  • Step 1: Call: Dial HDFC Bank's customer care at 1800 1600 or 1800 2600 or 1800 202 6161 or 1860 267 6161.
  • Step 2: Authenticate: Provide the necessary details for verification.
  • Step 3: Request Closure: Inform the representative of your intention to close the credit card.
  • Step 4: Confirm: Follow any additional instructions provided.

Cancel HDFC Credit Cards by Sending Applications Via Post

  • Step 1: Download Form: Obtain the 'Credit Card Closure Form' from the HDFC website.
  • Step 2: Fill Details: Complete the form with accurate information.
  • Step 3: Send: Mail the form to:
  • 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

  1. Closure Timeline:
  2. Credit cards must be closed within 7 working days after the cardholder makes a request, provided all dues are cleared.

  3. Penalty for Delay:
  4. If the issuer fails to close the card on time, a penalty of ₹500 per day will be charged until the account is closed.

  5. Multiple Closure Channels:
  6. Cardholders can request closure through various channels such as:

    • HDFC Mobile banking
    • HDFC Internet banking
    • Customer helpline
    • IVR (Interactive Voice Response)
    • Dedicated email address
    • Mobile app
  7. Inactive Card Policy:
    • If a card remains unused for over a year, the issuer will deactivate it and notify the user.
    • If the cardholder doesn’t respond within 30 days, the card will be closed permanently.
    • Refund of Credit Balance:
    • Any unused credit balance in the account must be refunded to the cardholder’s bank account.

    • Notification to Credit Bureaus:
    • Card issuers must inform credit bureaus about the card closure within 30 days of the closure.

    Cancel HDFC Credit Cards by Chat Virtual Assistant EVA

    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 :

    1. Access EVA: Visit the HDFC Bank website and on the right side click on the EVA icon.
    2. Initiate Chat: Type 'Credit Card Closure' in the chat window.
    3. Authenticate: Provide your registered mobile number and verify with the OTP received.
    4. Select Card: Enter the last four digits of the card you wish to close.
    5. Confirm: Follow the prompts to complete the closure request.

    Points to Remember While Closing HDFC Credit Card

    Before you proceed, keep these important points in mind to ensure smooth closure of your HDFC credit card :

    1. Impact on Credit Score
    2. Closing a credit card affects your credit utilization ratio and the average account age, both of which contribute to your credit score.

    3. Outstanding Balance
    4. 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.

    5. Reward Points and Benefits
    6. Redeem any accumulated reward points or cashback offers, as these will expire once the card is canceled.

    7. Automatic Payments and Subscriptions
    8. Cancel any auto-debit instructions, such as bill payments or subscriptions, linked to the card to avoid disruptions after closure.

    9. Replacement Card
    10. If replacing the card, apply for a new credit card before initiating the closure process to maintain access to credit and benefits.

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    Frequently Asked Questions

    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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