How to Close or Cancel HDFC Credit Card

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Close or Cancel an HDFC Bank Credit Card

Closing or canceling your HDFC Bank credit card is a straightforward process. Whether you no longer need the card, want to reduce your credit exposure, or switch to a different provider, knowing the right procedure can help you avoid complications. HDFC Bank provides multiple methods for credit card closure, including online and offline options, to ensure a hassle-free experience.

When to Cancel Your HDFC Credit Card?

There are several situations where canceling your credit card might be necessary. Some common reasons include:

You no longer use the card frequently.
High annual fees that don’t justify the benefits.
You have multiple credit cards and want to simplify your finances.
Your credit utilization is too high, affecting your credit score.
You found a better credit card with more benefits.
Security concerns due to fraud or unauthorized transactions.

How to Close HDFC Credit Cards Online?

Net Banking

Follow these steps to cancel your HDFC Bank credit card through Net Banking:

Step 1: Log in to your HDFC Net Banking account using your User ID and Password.
Step 2: Click on the ‘Credit Cards’ tab.
Step 3: Select ‘Credit Card Hotlisting’ from the available options.
Step 4: Choose the credit card you wish to deactivate.
Step 5: Select a reason for cancellation from the given options.
Step 6: Confirm your request. You may be asked whether you want the card to be reissued.

Mobile Banking (MyCards Portal)

You can also close your HDFC Bank credit card via the MyCards portal:

Step 1: Visit mycards.hdfcbank.com.
Step 2: Enter your registered mobile number.
Step 3: Submit the OTP received via SMS for verification.
Step 4: Select the credit card you wish to deactivate.
Step 5: Choose the reason for deactivation from the available options.
Step 6: Authenticate the request using the OTP sent to your phone number.

How to Close HDFC Credit Cards Offline?

Visiting the HDFC Bank Branch

Follow these steps to close your HDFC credit card at a bank branch:

Step 1: Visit the nearest HDFC Bank branch.
Step 2: Request a Credit Card Closure Form from the bank representative.
Step 3: Fill in the required details, including your credit card number and reason for cancellation.
Step 4: Submit the form along with a copy of your ID proof.
Step 5: Ensure you get an acknowledgment receipt for reference.

Closing via Customer Care

To cancel your HDFC credit card via customer care, follow these steps:

Step 1: Dial the HDFC Bank credit card customer care number (available on the official website).
Step 2: Follow the IVR instructions to reach the credit card cancellation department.
Step 3: Provide necessary details, including your credit card number and verification details.
Step 4: The representative will guide you through the process and confirm your cancellation request.

Closing via Postal Application

If you prefer sending a written request, follow these steps:

Step 1: Download the Credit Card Closure Form from the HDFC Bank website.
Step 2: Fill in the required details, including your name, credit card number, and reason for closure.
Step 3: Attach a copy of your ID proof.
Step 4: Send the application via post or courier to the HDFC Bank credit card division at the official postal address.
Step 5: Retain the tracking details for future reference.

Using Virtual Assistant EVA

HDFC Bank’s AI-powered virtual assistant EVA can assist with basic queries but cannot be used for credit card closure. However, you can use EVA to block your credit card in case of fraud or unauthorized transactions.

Disclaimer

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information

provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions (FAQs) for HDFC Credit Card Cancellation

Can we deactivate an HDFC Bank Credit Card online?

Yes, you can. You could opt for methods like net banking, mobile banking, SMS, etc. to do so.

Can I permanently close my HDFC Bank Credit Card?

Yes, you can. You can initiate the process online or visit an HDFC Bank branch.

Is it easy to close an HDFC Bank Credit Card?

Yes, it certainly is! The bank offers you many modes of completing this process and you can choose the one that suits you best. You can complete the application process within minutes.

What happens if I deactivate my HDFC Bank Credit Card?

If you decide to deactivate your HDFC Bank Credit Card, you will not be able to process any transactions through that card.

What are the charges to deactivate my HDFC Bank Credit Card?

You aren’t expected to pay anything to deactivate your credit card.