Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • How to Close or Cancel HDFC Credit Card

    Many a times, cardholders realise that maintaining a credit card is not an easy affair. Also, there are times when they don't even use a credit card because they get quite used to making payments using their debit card or cash. At some instances, the cardholders also want to move on to using a card that suits their financial needs better. In such situations, the cardholders are advised to cancel or close the card that they do not wish to use any more.

    HDFC has an appropriate procedure in place when it comes to cancellation or deactivation of a credit card. After a request is raised by the cardholder, it takes 7-10 working days for the bank to terminate a credit card. A cardholder can cancel an HDFC credit card following some simple procedures. Listed below are the ways to go about it.

     

    How To Cancel Or Close An HDFC Credit Card?

    HDFC credit cardholders can close or cancel their credit cards using the methods listed below:

    • By calling Helpline Number: HDFC Bank credit card holders can cancel their credit cards any time by calling the toll-free number 61606161/6160616. Your area code must be added before the mentioned number to get connected with your city’s customer care.
    • Carholders can download the Credit Card Closure Form from www.hdfcbank.com and fill it up. After filling it up, they can send it to the Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041. Alternatively, they can write to the manager of the corporate office at the same address. Cardholders are required to mention important details like their card number, name, address, and contact details. However, they should not divulge confidential details like the card’s CVV number and PIN.
    • Once the process of cancellation is initiated, the cardholder should cut the concerned credit card diagonally. They should also be aware of the fact that once they cancel or close the primary credit card, the add-on credit cards that have been procured will get terminated automatically.
     

    Things To Remember Before Cancelling Or Closing An HDFC Credit Card

    While it is perfectly normal for a cardholder to initiate a process to deactivate or cancel their HDFC credit card whenever they want to, there are a few things that they should check before going forward with the process. Listed below is a checklist of things that the cardholder needs to go through before initiating a credit card cancellation process with HDFC:

    • Payment of Dues: Before cancelling a credit card, the cardholders has to make sure that all the outstanding balance or EMIs on that credit card has been paid. If they initiate the process of cancellation without paying the outstanding balance or settling the EMIs, the bank will notify them via a call or an email on their registered phone number or email id, respectively. Once the bank finds out that the cardholder is yet to settle his dues on the credit card that they want to close or cancel, they will not go forward with the process. According to the terms and conditions laid by HDFC, it is mandatory for the cardholder to clear the outstanding amount before raising a cancellation or closure request with the bank.
    • Redemption of Reward Points: Before raising a request for cancellation of a credit card, the cardholders are advised to check the number of unredeemed reward points. They can use these points to bag attractive products from the bank’s rewards catalogue. They can also use these points to bag handsome discounts on other products and services.
    • Should not use the credit card just before cancellation: If the cardholder uses the credit card that they wish to cancel just before closing it, the bank will not take the process forward. Fresh dues on credit cards that are lined up for cancellation lead to termination of the process. The bank will go ahead with the process only once the fresh dues are paid off.
    • Check latest statement for fraudulent use: Before cancelling their credit card, cardholders should thoroughly check their last credit card statement to make sure that no fraudulent transaction has been made on their card. They must also destroy the card by cutting it diagonally once the card has been terminated by the bank following their request.
     

    Does A Cancelled Or Closed Credit Card Affect The Cardholder’s Cibil Score?

    A cancelled or closed credit card will only affect a cardholder’s CIBIL score if they own more than a single card and use them all. In such a scenario, cancelling a credit card would mean reduction of their credit limit and an increase in the credit utilization ratio. Hence, it can have a negative impact on the cardholder’s CIBIL score. However, since credit cards can be used to build a credit score from scratch, cancelling it might not be a great idea if the cardholder has no other means to build a CIBIL score.

     

    How To Reactivate A Closed Or Cancelled HDFC Credit Card?

    Applicants can download the application form for reactivation of closed credit card account from the website, www.hdfcbank.com. Once they fill it up, they can send it to HDFC Bank Cards Division, PO Box 8654, Thiruvanmiyur, Chennai-600041. Once all the necessary documentation and verification is done, the cancelled card will be reactivated by the bank.

    How to Close or Cancel HDFC Credit Card FAQ

    1. How can I cancel my HDFC credit card?

      You can cancel your HDFC Bank credit card at any time by calling the toll-free number 61606161/6160616. The area code you reside in must be added before the mentioned number to connect with the customer care department of your city.

      Apart from this, cardholders, to cancel their card, can download the Credit Card Closure Form from www.hdfcbank.com and fill it. Once done, the form must be sent to the Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai-600041.

      You can write to the manager of the corporate office at the same address as well. All cardholders will be required to state any important detail such as their card number, name, address, and contact details. Once the process of cancellation is initiated, you must cut the concerned credit card diagonally. Once the card is cancelled or closed, the add-on credit cards will be terminated automatically.

    2. How can I close my HDFC credit card online?

      Cardholders can also close their HDFC Bank credit card online. The steps to follow to do so are:

      • Login to your HDFC Bank net banking account.
      • Click on the tab of Credit Cards and the left-hand side, click on the option of Credit Card Hotlisting. A list of Credit Cards registered under NetBanking will appear.
      • Select the Credit Card number to hotlist.
      • Add a reason for hotlisting of the credit card.
    3. Once done, the card will be hotlisted and cannot be used for further transactions.

    4. How do I deactivate my credit card?

      You can deactivate your credit card by calling the customer care number of HDFC Bank or download the credit card closure form, fill it and send it to the Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur, Chennai – 600041. You can also deactivate or hotlist your credit card online through your HDFC Bank Netbanking account.

    5. What happens if I close my credit card?

      Once you close your credit card, all transactions with the card will be permanently stopped. The bank will send the month’s credit card statement, along with any dues which are to be paid. All dues of the credit card must be paid off before cancellation or closure. If there are any unused reward points, those reward points are released and will not be in effect for any transaction. If you have more than 1 credit card and use them all, closing a credit card can affect your credit score.

    6. How do I close a credit card without hurting my credit?

      Credit card closure will only affect the credit score if he or she holds more than one credit card and all of them are in use. In this case, credit card closure can hurt your credit score as it affects your credit limit along with your credit utilisation score by increasing it. If you wish to close your credit card, it is advised that you cancel the card which you have taken most recently and the one with a lesser credit limit. Along with this, all dues must be paid before the credit card closed.

      

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    How to Close or Cancel HDFC Credit Card Reviews

    • HDFC Bank Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
      Was this review helpful? 58
      , bangalore
      Reviewed on Mar 21, 2020
    • HDFC Bank
      HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
      Was this review helpful? 47
      , ranchi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Even if I forget to convert EMI conversion for the usage of my card, HDFC banker use to contact me to remain for this option. I have been using this card for more than 2 years. Since i applied a bike loan at that time I got this card offer direct from bank. The credit limit of 30K at initial now they enhanced up to 60K. It is a life time free card. They provide movie ticket offer but I didn't prefer. The customer service is good and they make to understand on easy.
      Was this review helpful? 14
      , chennai
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card for the last 4 years. The service is good and have not face any issues.The credit limit is sufficient, it was for 85000 rupees. I used this card for shopping and many other purposes. I pay my credit card bill through on-line.I want to use HDFC mobile app but there is no QR code in the card, it will be more nice if I can get the QR code so that I will be able to use their app.
      Was this review helpful? 16
      , new delhi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      Choosing HDFC credit card is a good decision which i have made because the customer service is very good, they always respond without any delay. I used this card for bill payment and Dmart, I have got a reward points but have not redeem it.The best part is that this card is an international card.
      Was this review helpful? 7
      , pune
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      Being with HDFC bank for credit card is very nice, I have been using the card form 2 years i got a life time free card.Used the card for purchases,shopping, on line payment and mobile banking is function well but the interest rate is up to 22% which is very high so i wish the bank ca improve on that.
      Was this review helpful? 6
      , new delhi
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      The best part about HDFC credit card is that the credit limit used to increase at a very fast rate, the offer is also good.The agent came and collect the documents and i got my card in very short time. I used this card for shopping,on line payment,fuel surcharge and groceries but I am not using this card for money transfer purposes.
      Was this review helpful? 4
      , patiala
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am holding HDFC credit card for one year.This card have an EMI conversion for 1000 rupees and a credit limit of 50000.The card is very useful for on line shopping,fuel surcharge, bill payment and on line banking it also have a reward points but I don't know exactly how much.
      Was this review helpful? 5
      , kolkata
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank Titanium Times credit card almost 2 years. One of my coleuge using this card he recommended me, so i applied this card and the process was very smooth. Reward points can purchase anything and they given a sufficient credit limit. Customer service was good because they always helping tendency.
      Was this review helpful? 5
      , hyderabad
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Good bank"
      0.5 5.0/5 "Blown Away!"
      I am happy with offers for credit card which was offered from HDFC Bank. They are good as I get reward points of benefit and the limit is also to my expectations Rs. 2,25,000. The customer support and response are prompt and helpful. I use this card for some purpose.
      Was this review helpful? 7
      , tirupur
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Interst rate was high"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC Bank Millennia credit card more than 7- 8 years. I am getting 2 international and 8 domestic airport lounge access and i have utilized that recently. Credit limit is Rs. 2.26L apart from this i am using this card for utility bill payment scheduled bill and for groceries. Initially i have titanium card after regalia this card has been upgraded recently.I feel the rate of interest was so high.
      Was this review helpful? 6
      , chennai
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC credit card which was availed through online. I am using this card for the past 6 years .This was a free card and a money back card. For shopping will get discounts which is pretty good and movie ticket offers are there customer service is also good and getting proper response if need any assistance everything was good and so far not faced any difficulties.
      Was this review helpful? 4
      , new delhi
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank credit card which was taken through bank .I am having this credit card for the past2 years,i am getting one plus one movie ticket offers ,airport lounge access is there ,converting emi option is there chargeable cad need to pay 500.I am happy with the service so far on utilising .
      Was this review helpful? 4
      , bangalore
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "OKAY"
      0.5 4.0/5 "Great!"
      I have applied HDFC Bank Platinum credit card I never use this bank application. Since 2012 i am using this card, recently it got upgraded. They given a sufficient credit limit of Rs. 5,00,00 and this is a life time free card and i am happy with their service.
      Was this review helpful? 6
      , new delhi
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Ecxellent service"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC credit card for 7 months,its a perfect card and I have not faced any issue while using the card, I used the card mostly for shopping.The credit limit of the card is 80,000 and i don't know about the reward points because i have not check it. Customer service is excellent I am satisfied with the card. But there is one thing i would like to suggest is to create a online app which will be helpful for net banking.
      Was this review helpful? 2
      , mumbai
      Reviewed on Mar 19, 2020
    • HDFC Bank Credit Card
      "Good card with limit "
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Regalia card been 3 years it has applied directly from bank. At initial the credit limit is 75K now they have enhanced up to 1.75L, it was done only once on last January. The cash limit is sufficient. I got a life time free card. EMI conversion is good, rate of interest can be little bit lesser. Every thing is pretty and easy to convert. I use for online purchase and online course purposes.
      Was this review helpful? 4
      , bangalore
      Reviewed on Mar 19, 2020
    • HDFC Bank Credit Card
      "Need to decrease the rate of interest"
      0.5 3.0/5 "Satisfactory"
      I have applied HDFC Bank credit card from other channel,. Annual charges is applicable and the limit was okay. This is my first card, recently it got upgraded into regalia and the rate of interest was very high 18%. I am getting airport lounge access i used for domestic purposes.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2020
    • HDFC Bank Credit Card
      "Good credit card account"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank credit card i am using more than 6-7 years. There is no hidden charges in this bank. It is a zero balance account. I am using mobile app and it is user friendly to access. ATM charge is not applicable, if i use more than 5 times in a month also.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 19, 2020
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank Regalia credit card more than 2-3 years, usually i am getting cash back on this card. I purchased a mobile phone, i got a discount of Rs. 3000 apart from this i am getting 5% cash back for clothings. Its a free card and the limit is sufficient, this bank has a excellent app more over for shopping and all i am getting instant cash.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 19, 2020
    • HDFC Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      On 6 months before I chosen HDFC card which was applied via bank directly. Might be based on card to card option, within a week I received the card. The credit limit is sufficient and I am not aware whether it is a life time free or fee. I am yet to use the card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 18, 2020
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