How to close HDFC Credit Card? HDFC Credit Card Cancel Procedure

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HDFC Bank credit cardholders can choose to close their credit cards at . However, there are a lot of other things one must consider before they decide to part away from their approved line of credit.

When to Cancel your HDFC Credit Card?

While you can cancel your credit card anytime you want, one should factor in that closing your credit card can hurt your credit score and is not one of the wisest choices if you are at an age where you might be seeking other forms of credit to pay for your car or your house.

However, there are certain situations wherein it would make sense to cancel your HDFC Credit Card such as:

If the value of the card does not justify the annual fees you pay towards it
If the lucrative offers being offered on credit cards are making it hard for you to curtail your spending

In such scenarios, it may be a good idea to carefully analyse your spending patterns and try to downgrade the credit card instead of deactivating. Closing your most recent credit card may also be a viable option as it is least likely to impact your credit score.

How to Close HDFC Credit Cards Online?

HDFC Bank offers dedicated 24x7 helpline services which will assist you in closing your credit card account and would address any grievances that arise in the process.

You can reach them at 61606161/6160616 and prefix your local area code to connect with the HDFC Bank credit card helpline in your city.

How to Close HDFC Bank Credit Cards Offline?

If you are looking to cancel HDFC Bank credit cards offline, you need to follow these simple steps:

Visit your nearest HDFC bank branch or visit HDFC Bank’s official website and procure an HDFC Credit card closure form
Fill in the form duly and be cognizant of any charges that you may need to bear such as foreclosure fees, etc
You then need to send this HDFC Credit Card closure form by mail along with an application addressed to:

The Manager,
HDFC Bank Credit Cards,
PO Box 8654, Thiruvanmiyur Chennai - 600041

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Yes, you can easily reactivate your credit card by filling up the Credit Card reactivation form available on the HDFC Bank website. Mail the duly filled form to the manager at the HDFC Bank Credit cards office at PO Box 8654, Thiruvanmiyur Chennai - 600041.

One should not opt to deactivate their HDFC Card if their usage is able to justify the annual fee. Closing your credit card could have a detrimental effect on your credit score, especially if you have been using the HDFC Credit Card for a long time.

It is ideally recommended that any credit card should only be closed only if you absolutely need to do so. Closing your credit card can negatively impact your credit score. However, you can reduce the impact if you strategically decide to close their credit card on the basis of their tenure and utilisation.

Yes, if you file an application to cancel your primary HDFC Bank credit card, any add-on credit cards associated with the account will be cancelled as well. However, one must make sure that they properly cut their credit card diagonally after they have been cancelled to avoid misuse.

Yes, closing your HDFC Bank credit card could affect your credit score since it would reduce your credit utilisation ratio, especially if you have other credit cards as well. Hence, one must carefully consider all options before cancelling their HDFC Credit Card.