How to Cancel HDFC Credit Card

Sometimes, taking a closer look at your credit cards is essential for maintaining a healthy financial balance. There may come a time when a particular card no longer feels useful. Perhaps you are paying annual charges for a card you rarely use, worried about the risk of debt building up, or think that the original purpose of having the card has already been served. In such cases, keeping the card may no longer be practical, and closing it becomes a reasonable step.

For HDFC credit card holders considering this step, understanding the proper closure process can save time and prevent unnecessary complications. In this blog, we will provide clear instructions on how to cancel HDFC credit card, helping you complete the process without stress.

How to close HDFC credit card online

Net banking
- Visit the HDFC Bank net banking page
- Log in using your HDFC Bank customer ID and password
- Go to the ‘Cards’ section and click on ‘Credit Cards’
- Click on ‘Request’ and select ‘Credit Card Hotlisting’
- Choose the credit card you wish to close
- Select a reason for cancellation from the list and confirm the request
HDFC MyCards portal
- Visit the HDFC MyCards website and scan the QR code to reach the login page
- Enter your 10-digit registered mobile number
- Authenticate using the OTP sent to your number
- Select the credit card you want to close:
  - If not registered, enter the last 4 digits of the card
  - If you have multiple cards, choose from the list or add the card manually
  - If you have only one card, proceed to the next step
- Choose a reason for closing the card
- Enter the OTP again to confirm and submit your card closure request

Also Read: How to Track HDFC Credit Card Status

How to cancel HDFC credit card offline

Customer care
- Call HDFC credit card customer care number: 1800 2600 / 1800 1600
- Follow the IVR menu selections to connect with the credit card support team
- Share your credit card number, verification details, and reason for closure
- The bank representative will assist you and confirm your cancellation request
Sending the application via post
- Download the HDFC credit card closure form
- Fill in your name, card number, contact info, and reason for closure.
- Write a letter to the branch manager explaining your reason for closing the card
- Attach the filled form, the letter, and a copy of your ID proof
- Forward the documents via post or courier to the HDFC Bank Cards Division
- Keep the tracking details for future reference
Visiting the HDFC Bank branch
- Visit your nearest HDFC Bank branch
- Ask the bank representative for a Credit Card Closure Form
- Fill in the form with the required details
- Attach a valid ID proof and submit the completed form to the bank
- Collect an acknowledgement receipt from the branch confirming your closure request

Read on: HDFC Credit Card Apply: Online and Offline Methods

Things to consider before closing an HDFC Bank credit card

Clear all outstanding dues: Ensure that your credit card has no pending payments, including EMIs, interest, or late fees. Closure requests will not be processed if there’s any balance left.
Impact on credit score: Closing a credit card can affect your credit score by reducing your total credit limit and shortening your credit history. Consider this impact, especially if it’s an older card.
Redeem reward points: Any unredeemed reward points or cashback benefits will be forfeited once the card is closed. Make sure to use them before initiating the closure.
Cancel auto-payments and subscriptions: If you’ve set up automatic payments or linked subscriptions, remove them beforehand to avoid service interruptions or failed transactions.
Plan for a replacement if needed: If you plan to switch to another card, it’s best to apply for and activate the new card before closing your current one to maintain credit continuity.

How to reactivate a closed HDFC credit card

Download the HDFC credit card reactivation form
Fill in the form with accurate details
Attach the required supporting documents
Send the filled form and documents via post to the HDFC Bank Cards Division

Also Read: How to Check Your HDFC Credit Card Statement

For customers uncertain about how to close HDFC credit card, the bank offers several convenient options. You can submit a closure request through net banking, the HDFC MyCards portal, by contacting customer care, by sending a written request via mail, or by visiting the nearest HDFC Bank branch. Choose the method that best suits your preference and comfort.

Before starting the closure process, ensure that you clear all outstanding dues, redeem any unused reward points, and cancel any automatic payments or linked subscriptions to avoid interruptions or unexpected charges. Once the closure is complete, it may also be a good time to review your financial goals or explore other credit card options through platforms like Quid, which let you compare a wide range of cards with ease.