How to Close HDFC Credit Card Safely (RuPay Cards Too): Steps, Rules and Credit Score Impact

Maybe the annual fee isn't worth it anymore, or you simply have too many cards. Whatever the reason, closing a card is easy if you do it in the right order. So here's how to close HDFC credit card accounts without leaving a stray charge behind, plus what it does to your credit score.

Facts checked on 24 October 2026 against HDFC Bank's RuPay credit card page. Fees, rewards and offers change often, so confirm them on the application screen before you apply.

Before You Close Your HDFC Credit Card

This part matters more than the closure request itself. First, pay the full outstanding amount, including any EMI that's still running. HDFC won't close a card with dues on it.

Next, cancel everything that charges the card on its own. Think of OTT subscriptions, insurance premiums, SIP mandates and saved cards on shopping apps. Otherwise, a renewal can hit the card after you've stopped watching it.

Then redeem your CashPoints, because unused points are lost when the card closes. Finally, if it's a RuPay card, remove it from Google Pay, PhonePe and your other UPI apps.

How to Close HDFC Credit Card Online

The quickest way is HDFC's MyCards portal. HDFC's card closure page lists the steps. You enter your registered mobile number and an OTP, select the card, pick a reason and confirm with a second OTP. You get a request number straight away.

You can also do it through net banking, under the credit cards section. Look for the closure option, select the card and submit the request.

Other Ways to Close Your HDFC Credit Card

If you prefer talking to a person, call HDFC customer care and ask for closure. The agent will verify you and raise the request. Alternatively, visit a branch, fill in the closure form and get an acknowledgement. Either way, note down the request number.

The RBI 7-Day Rule

RBI rules protect you here. Once you ask to close a card and there are no dues, the bank has to close it within seven working days. If it doesn't, the bank must pay you ₹500 for every day of delay, as per RBI's credit card directions.

So if your card is still active after a week, follow up with your request number. Mention the RBI rule politely. That usually speeds things up.

What About the ₹99 UPI RuPay Card?

The HDFC UPI RuPay card is an add-on that shares the limit of your main HDFC card. So if you want to stop using UPI on credit, you can ask to close just the add-on. However, if you close the main card, check with HDFC whether the UPI RuPay card closes with it. Don't assume either way.

How Closing Affects Your Credit Score

Closing a card can lower your score a little, for two reasons. First, your total credit limit shrinks, so the same spending now uses a bigger share of it. Second, if it's your oldest card, your average credit history becomes shorter.

That's why many people keep their oldest card open and just use it once in a while. If the problem is only the fee, ask HDFC for a fee waiver or a downgrade to a cheaper card first.

After closure, check your CIBIL report in 30 to 60 days. The account should show as "closed" with a zero balance. If it doesn't, ask HDFC to update it.

Switch to an HDFC RuPay card that fits you →Affiliate link: OfferHubDeals may earn a commission if your card is approved. It costs you nothing, and it does not change what we write.

Final Word

Knowing how to close HDFC credit card accounts properly saves you from surprise charges later. Clear the dues, cancel the autopays, redeem your points and only then send the request. And if you're closing because the card doesn't suit you, our HDFC RuPay card guide can help you pick a better one.