Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    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 cardholders can cancel their credit cards any time by calling the toll-free number 1800-425-4332.
    • Cardholders 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.

    Check How to Close or Cancel Other Banks Credit Card Online

    How to Close or Cancel HDFC Credit Card Reviews

    • HDFC Bank Credit Card
      "Very good credit card for other bank users"
      0.5 5.0/5 "Blown Away!"
      I always prefer HDFC service is very satisfactory service . For the last two years , I am using this HDFC credit card . I don't experience any negative things . Very good credit card for on-line shopping with some discount around 5-10 % . With a good credit limit of more than 50 k .
      Was this review helpful? 0
      , gulbarga
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      I have been using this credit card for the last couple of years, the services with them was good. I am satisfied with the credit limit with this card and there is an annual charges of 500 with this card as well. I have been using the card for all sort of purchases.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good credit card"
      0.5 5.0/5 "Blown Away!"
      Hdfc taken one week of time to approve my credit card,they quickly dispatched the card. Initially they declined the card then I raised the request, they approved it on next day. The service is good they responding to the customer in professional manner. Initially I paid the amount of Rs. 1800 hence it became life time free credit card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Average Service"
      0.5 2.5/5 "Just OK"
      I had been using this credit card for the last two years and the services which they had been providing so far has been pretty good. But they had been making many hidden charges and there was not much offers other than the reward points. The credit limit with the card is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good. Online banking needs to be user friendly"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card which has a annual fee of Rs.500. The credit limit is good. I am also fine with the customer services and response too. The online banking is not user friendly, it is very complicated to login and to also convert the emi is not that easy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Need more offers in the future"
      0.5 4.0/5 "Great!"
      I am using the HDFC national card . On initial days, i wont receive much notifications through Email . Impossible to get he Credit card statement also . HDFC taken some time to respond my all these request. HDFC Services wise I am okay .I dint find any hidden charges in HDFC till now .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is also doing great in the credit card services. I have a limit of four lakhs. Initially when I received my card, I had a limit of one lakh as my salary was low at that time and one lakh was more than sufficient too. Seeing my payments and transactions, they have enhanced it. I get good vouchers as I earn 3K to 4K reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good digital card"
      0.5 5.0/5 "Blown Away!"
      I have HDFC dinus club card, they have very good billing cycle. Every month 15th is my bill generation and due date falls on 4th, its very convenient after getting salary immediately I make the payment its so comfortable. I don't want to talk to anyone I can access everything through netbanking
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have been using this credit card for the last three years and the services which they had provided so far has been good. It is having a good credit limit and there has not been any annual charges with this card. I have been using this card for all sort of purposes.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for the last one year and the credit limit with the card has been pretty good. There has been some good benefits and features with the card and i use the card for all sort of purposes. There has also been some annual charges with this card as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good card for all transaction"
      0.5 4.0/5 "Great!"
      I have HDFC credit card called money back, they give more cash back on the shoppings, emi option is available. I am holding this card around six years, they keep enhancing and upgrading the benefits, I have received a life time free credit card from HDFC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC TITANIUM MASTER credit card for more than 2 years. I am happy with the credit limit. I don't know about the annual charges. I use this card for multi purpose. Am getting reward points and the redeem procedure is also easy. The late payments charges are reasonable.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Charges should be economical"
      0.5 2.0/5 "Expected more"
      I am having HDFC credit card, I am not satisfied with them, Because I am holding this card around six years, the charges are not reasonable, if some time I make my payment delay immediately they charge huge. In 2013 I purchased mobile through credit card for the huge amount, when I call to convert the amount into emi, suddenly they told such option not available. Even they gave me lesser limit of Rs. 30,000.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank. There is no annual fee for the card. The process was on time. The credit limit is also good. The customer support and response was good for the document collection and giving me the details. I have not checked the offers on the card.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Good Credit Card"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC credit card around three years, the credit limit is good around Rs. 69,000 its satisfactory. All options are good, its a life time free credit card, the customer support is very good about the credit card queries. I don't face any issues.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has also offered me a life time free credit card and there are good deals on the card. The customer support and response is fine and it is easy to connect with them. The credit limit is fine too, and they keep enhancing the limit on a yearly basis.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I have been using this credit card for the last two years and they had provided me with a good credit limit with this card. There has also been some good benefits with this card as well, where i am using the card for shopping and all other purchases. It does have some annual charges as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK . Offers are dam attractive with this card such as on amazon , flipkart , swiggy . I am holding this card for past 3 year and they keep on uprating my limit . This is one of the best card i have . There is no fee at the time of getting the card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      The process in getting my HDFC BANK credit card has been smooth and easy. I use this card for shopping , traveling and for so many purpose . I am happy with the credit limit which they had given with this card . Benefits were attractive with this card like movie ticket , reward points .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      The process in getting my HDFC BANK credit card has been smooth and easy. I use this card for shopping , traveling and for so many purpose . I am happy with the credit limit which they had given with this card . Benefits were attractive with this card like movie ticket , reward points .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
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