Sometimes, people decide to close their credit cards for different reasons. Some may no longer use the card regularly, while others may want to avoid annual fees or simply keep fewer credit cards for easier financial management. No matter the reason, it is always better to close a credit card properly to avoid any future problems or unwanted charges.
If you are looking to close your HDFC Bank credit card, then you don’t have to worry about the hassle. To make the process simple for customers, HDFC Bank offers different ways to close a credit card. Customers can choose to apply for closure through internet banking, contact customer care, send a written request, or visit the nearest bank branch. With multiple options available, the bank makes it easier for cardholders to close their credit cards in a convenient manner.
Ways to Close Your HDFC Credit Card Online
NetBanking
Follow these steps to close your credit card through NetBanking:
Step 1: Go to the official HDFC Net Banking website and log in with your Customer ID and password.
Step 2: On the homepage, click on the “Cards” section.
Step 3: From the options shown, select “Credit Card” and then click on “Request”.
Step 4: Choose the “Credit Card Hotlisting” option.
Step 5: Select the credit card you want to cancel.
Step 6: Pick the reason for closing the card and submit your request.
Mobile Banking
You need to follow these steps to close HDFC credit cards via a mobile banking app:
Step 1: First, download the HDFC MyCards app on your smartphone.
Step 2: Open the app and log in using your registered mobile number.
Step 3: Enter the OTP sent to your phone to access your account.
Step 4: Choose the credit card you want to close.
Step 5: Select the reason for closing your credit card.
Step 6: You will receive another OTP for verification. Enter it to confirm your request. Once done, your card closure request will be submitted.
Close Your HDFC Credit Card Offline
Visit the Nearest HDFC Bank Branch
You can easily deactivate your credit card offline by visiting the nearest HDFC Bank. You can ask for a credit card closure form from the bank representative and fill it out. After filling in the form, you can submit it to the bank.
Via Customer Care
You can also close your HDFC credit card by contacting customer care. Simply call the HDFC Bank support numbers 1800 202 6161 or 1860 267 6161 and speak with a bank representative. Share your credit card details and tell them why you want to close the card. After verification, they will process your card cancellation request.
Things You Should Check Before Closing Your HDFC Credit Card
Credit Score
Closing your HDFC credit card can affect your credit score. It may change your credit usage ratio and reduce the average age of your credit accounts. Before closing the card, make sure you understand how it could impact your credit profile
Pending Dues
Before applying for card closure, clear all pending payments on your HDFC credit card. Any unpaid amount can lead to extra charges, interest, and may also affect your credit score negatively.
Reward Points and Cashback
HDFC credit cards come with benefits like reward points and cashback offers. Once the card is closed, you may lose all unused rewards. It is better to redeem your reward points before closing the credit card, so you do not miss out on the benefits.
Bottom Line
Closing an HDFC Bank credit card is not very difficult if you follow the right process and clear all pending dues before applying for closure. HDFC Bank gives customers both online and offline options so they can choose the method that is comfortable for them.
People who do not want to visit the bank branch can easily submit the closure request through NetBanking, the MyCards app, or customer care from their home. On the other hand, those who are not familiar with online banking or do not have internet access can simply visit the nearest HDFC Bank branch and complete the process with the help of bank staff.
Before closing the card, it is also important to redeem reward points and understand how card closure may affect your credit score. Taking care of these things can help you close your credit card without any trouble later.