Categories: Finance

How to Close HDFC Credit Card: A Step-by-Step Guide

Managing credit cards effectively is crucial to maintaining good financial health. If you are considering closing your HDFC credit card, either due to reduced usage or better financial management, this guide will walk you through the process. We’ll also cover details on how to permanently close a How to Close HDFC Credit Card and the steps for closing an HDFC credit card loan online.

Why Close an HDFC Credit Card?

Before jumping into the process, it’s essential to understand why you might want to close your HDFC credit card:

  • Avoiding Annual Fees: If the card doesn’t justify its annual charges.
  • High Interest Rates: In case of exorbitant interest rates compared to other cards.
  • Simplify Finances: To reduce the number of accounts you manage.
  • Low Usage: If the card is no longer serving your needs.
  • Switch to Better Offers: Moving to a card with better benefits.

How to Close an HDFC Credit Card Permanently?

To close your HDFC credit card, follow these simple methods:

1. Closing HDFC Credit Card via Customer Care

You can contact HDFC Bank’s 24/7 Customer Care and request cancellation.

  • Call the customer care number provided on the HDFC website.
  • Provide Card Details: Mention your card number, personal identification, and reason for closure.
  • Request Confirmation: Ensure you receive confirmation via email or SMS.

2. How to Close HDFC Credit Card Online (NetBanking)

Step 1: Log in to NetBanking

  • Go to the official HDFC Bank website.
  • Enter your Customer ID and password to log in.

Step 2: Navigate to Credit Cards

  • Once logged in, click on the ‘Cards’ section in the main menu.
  • Select the specific credit card you want to close.

Step 3: Submit Closure Request

  • Locate the option for ‘Credit Card Closure’ or ‘Service Request.’
  • Fill out the form and specify the reason for closure.

Step 4: Confirmation

  • You’ll receive an acknowledgment through your registered email ID or mobile number.

3. How to Close HDFC Credit Card Permanently via Email

Step 1: Draft an Email

  • Write a formal request to close your credit card.
  • Include your card number, registered mobile number, and reason for closure.

Step 2: Send to the Official Email

  • Email your request to HDFC Bank’s official support email ID.
  • Ensure the subject mentions “Credit Card Closure Request.”

Step 3: Follow-Up

  • Wait for a response, usually received within 5–7 business days.

4. How to Close HDFC Credit Card via Branch Visit

Step 1: Prepare Documents

Carry a valid ID proof and your HDFC credit card.

Step 2: Visit the Nearest Branch

  • Request a Credit Card Closure Form from the executive.
  • Fill out the form, providing all required details.

Step 3: Submit the Request

  • Hand over the card and form to the bank official.
  • Collect an acknowledgment receipt.

Things to Keep in Mind Before Closing Your HDFC Credit Card

  • Clear Outstanding Dues: Ensure all dues are settled.
  • Redeem Reward Points: Use your reward points before closure, as they may expire.
  • Check Cancellation Terms: Review the terms in your card agreement to avoid penalties.
  • No Further Transactions: Do not use the card once the closure request is initiated.

How to Close HDFC Credit Card Loan Online

If you have an ongoing loan on your HDFC credit card, you must close it before canceling the card. Here’s how you can close your loan online:

Step 1: Log in to NetBanking

  • Use your HDFC Bank credentials to access your account.

Step 2: Navigate to the Loan Section

  • Click on the ‘Loans’ or ‘EMI on Credit Card’ option in the menu.

Step 3: Check Outstanding Loan Amount

  • View your loan details, including the EMI amount and total outstanding balance.

Step 4: Pay Off the Loan

  • Select the option to prepay the loan.
  • Use NetBanking, UPI, or other payment methods to complete the repayment.

Step 5: Confirm Closure

  • Once the loan is cleared, request confirmation from the bank.

Precautions to Take When Closing HDFC Credit Card Loan

  • Prepayment Charges: Check if there are any prepayment penalties.
  • Final Statement: Request a detailed statement after paying off the loan.
  • No Partial Payments: Ensure the entire amount is settled in one go.

Impact of Closing an HDFC Credit Card

While closing a credit card may seem like a straightforward decision, it’s essential to understand the impact on your credit score:

  • Credit Utilization: Canceling a card reduces your overall credit limit, which could increase the utilization ratio.
  • Credit History: The card’s age may influence your credit history negatively if it’s one of your oldest accounts.

Frequently Asked Questions (FAQs)

Can I Close My HDFC Credit Card Online Without Visiting a Branch?

Yes, you can close your HDFC credit card online via NetBanking or email.

How Long Does It Take to Close an HDFC Credit Card?

It typically takes 7–10 business days after you submit the closure request.

Can I Reopen My HDFC Credit Card After Closing It?

No, once a credit card is closed, it cannot be reopened. You will need to apply for a new one.


Closing an HDFC credit card or loan online is straightforward, provided you follow the correct procedures. Ensure all outstanding balances are cleared, and confirm the cancellation with the bank. With proper planning, you can manage your financial portfolio effectively while avoiding unnecessary complications.

Devid

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