How to Close or Cancel HDFC 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.

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.

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.

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.

 

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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.