Learn how to cancel, close, and reactivate an HDFC Bank Credit Card, along with key precautions and CIBIL score implications.
Last updated on: Oct 05, 2026
If you no longer use your HDFC Bank credit card or wish to avoid annual fees and maintenance costs, you can request card closure through multiple channels offered by the bank. Understanding the correct process and the precautions involved can help ensure a smooth cancellation without affecting your finances unnecessarily.
If you are wondering how to close your HDFC Bank credit card, HDFC Bank allows cardholders to submit a closure request through several convenient methods. Before initiating the process, ensure that all outstanding dues have been cleared.
HDFC Bank offers an online credit card closure facility. To submit a request:
Visit the HDFC Bank Credit Card Closure Request page
Enter your registered mobile number
Authenticate using the OTP received
Select the credit card you want to close
Choose the reason for closure
Confirm the request
Once submitted, you will receive a confirmation regarding the closure request.
Another method for how to cancel HDFC Bank credit card is by contacting HDFC Bank's customer care.
You can call:
1800 1600
1800 2600
+91 22 6160 6160 (for callers outside India)
The representative may verify your identity and guide you through the card closure process.
Many customers prefer using NetBanking for service requests. After logging into your HDFC Bank account:
Navigate to the credit card service section
Look for card management or service request options
Submit a request for card closure
Complete any authentication requirements
If closure functionality is unavailable, you may be redirected to other official closure channels.
You may also use the bank's mobile banking platform to raise a credit card service request. The app can help you:
Access card services
Contact customer support
Submit closure-related requests
Track request status
HDFC Bank's EVA virtual assistant can help customers with card-related service requests and guide them to the appropriate closure channel. This option can be useful if you need quick assistance without visiting a branch or making a phone call.
Disclaimer: Credit card closure methods, service availability, contact details, and processing procedures may change at the bank's discretion. Please verify the latest instructions through HDFC Bank's official website, mobile app, NetBanking portal, or customer care before submitting a closure request.
Before proceeding with a closure request, review the following things to remember before closing credit card accounts.
Ensure that all purchases, EMIs, fees, and interest charges have been paid. HDFC Bank may not process the closure if any dues remain unpaid.
Most reward points become invalid after card closure. Redeem your accumulated points before submitting the cancellation request.
Do not use the credit card shortly before requesting closure. Pending transactions may get posted later and delay the closure process.
Check your recent statements carefully for:
Unauthorised transactions
Incorrect charges
Merchant disputes
Any discrepancies should be resolved before cancellation.
Many users link their credit cards to:
OTT subscriptions
Utility bill payments
Insurance premiums
Loan repayments
Update these payment methods before closing the card to avoid service interruptions.
If your card account has a credit balance due to refunds or excess payments, request the bank to transfer or refund the amount before closure.
After receiving confirmation of closure, cut the card diagonally through the chip and magnetic strip to prevent misuse.
Closing a credit card reduces your total available credit limit. If you continue to use other credit cards heavily, your credit utilisation ratio may rise. A higher utilisation ratio can negatively affect your CIBIL score.
The impact may be more noticeable if:
The closed card had a high credit limit
You use multiple credit cards regularly
Your overall available credit becomes significantly lower
In general, consider closing:
Newly issued cards with limited history
Cards with low credit limits
Cards that provide minimal benefits
You may want to retain older credit cards because they contribute positively to your credit history length.
Any temporary decline in your score typically improves over time if you:
Continue making timely payments
Maintain low utilisation
Avoid excessive borrowing
Instead of closure, you may request a lower-fee variant of your existing card. This helps preserve your credit history while reducing costs.
HDFC Bank provides a reactivation or reissue form for eligible customers. The process generally involves:
Downloading the reactivation form
Completing the required details
Submitting identity and address proof, if applicable
Sending the documents to the bank for verification
Awaiting approval based on eligibility and account status
In certain situations, customers may also be able to request reopening within the applicable cooling-off or closure review period, subject to the bank's internal policies and verification requirements.
The bank will review the request and communicate whether reactivation can be processed.
Reviewer
You can permanently close your credit card by clearing all outstanding dues, redeeming rewards, disabling auto-debits, and submitting a closure request through the bank's online portal, customer care, branch, or prescribed closure form.
Yes. HDFC Bank provides an online credit card closure facility where customers can authenticate using OTP and raise a closure request without visiting a branch.
Closing a credit card can affect your CIBIL score if it reduces your overall credit limit and increases your credit utilisation ratio. The impact is usually temporary when good credit behaviour is maintained.
The closure timeline may vary depending on pending dues, disputes, and verification requirements. The bank generally processes closure requests after ensuring all outstanding obligations are settled.
To permanently close your card, clear all dues, redeem reward points, cancel standing instructions, and submit an official closure request through HDFC Bank's approved channels.
Credit card limits are determined by several factors, including income, employment type, credit score, repayment history, and existing liabilities. For a salary of ₹40,000 per month, the approved limit can vary significantly from one applicant to another.