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How to Block HDFC Credit Card? All you need to know

Updated on: 14 Dec 2021 // 29 min read // Credit Cards
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How to Block HDFC Credit Card? All you need to know

When does the need arise for blocking the HDFC credit card? With increasing phishing incidents that result in fraudulent transactions, the need to block the card has become very necessary. With the rising popularity of online transactions, the opportunities for fraud are on the increase, especially if the payment gateway does not insist on second-level authentication of the transaction through OTP. So if you get a message for a transaction that you have not initiated, you should immediately block the card. How to block credit card HDFC? Read further to understand the various ways that can be implemented to block the card effectively.

How to block HDFC Credit Card?

With the increasing number of credit card frauds, knowing the various ways of blocking the HDFC credit card is essential. Under what circumstances should the HDFC Credit Card blocking be initiated?

The  credit card should be blocked if:

  • It is stolen or lost
  • You are unable to remove the Credit  Card from the ATM slot.
  • The cash withdrawal transaction has been completed, but the money has not been dispensed.
  • You receive the message for a transaction that you have not initiated.

The bank has provided various avenues to block the card immediately to avoid further monetary damage. The card can be blocked through.

  • Internet banking
  • By calling the customer care
  • Through phone banking
  • By visiting the bank branch

How to block HDFC Credit Card via Netbanking?

Through net banking

The most convenient way to block HDFC Credit Card is through net banking. To block the credit card, you should follow the  steps shown below:

  • Visit the official website of the bank.
  • Log in to the net banking account using the login credentials.
  • Go to the ‘Credit  Cards’ option.
  • On the left-hand side, you will find the ‘credit card hotlisting’ option. Click on the option.
  • A list of credit cards will be displayed.
  • Click on the card to be hotlisted.
  • Enter the reason for hotlisting.
  • If you wish for a re-issue of the card, select the appropriate option.

How to block HDFC Credit Card via PhoneBanking?

To block the HDFC Credit Card through phone banking, you should keep the card number, Customer ID or PIN, and the TIN (telephone identification number) to access your account. When every required detail is ready, you can call on the following numbers for phone banking services.

  • Customers from Ahmedabad, Delhi and NCR, Hyderabad, Bangalore,  Kolkata, Pune and Mumbai can call 61606161. 
  • Customers from Chandigarh, Indore, Lucknow, Jaipur and Cochin can call 6160616.
  • Prefix the STD code of the respective city while dialling the number.

After placing the call, you follow the steps given below:

  • Validate your TIN number. This is a four-digit number given by HDFC while registering for the phone banking services.
  • Follow the IVRS instructions for blocking the card.

How to block HDFC Credit Card by visiting the bank branch?

For customers who are not conversant with net banking and have not registered for phone banking, the best way to block the credit card is to visit the nearest HDFC branch and follow the procedure given below.

  • Download the relevant application form online or obtain the form at the branch.
  • Complete the application form by filling in the required details.
  • Submit the duly completed form at the branch for doing the needful.

How to block HDFC Credit Card in case of fraudulent activity?

It is imperative to report the fraudulent transaction immediately on detection to avoid further fraudulent activity. Reporting and temporarily blocking the card is the best way to avert further fraud using the credit card. Sometimes, you will notice the unauthorised transactions only on receiving the monthly bill. In such cases, you will have to make payment of the unauthorised transaction as well if you do not have a zero liability policy. A zero liability policy will save you from monetary loss as you will not be liable for unauthorised transactions.

You can block the HDFC Card in case of fraudulent activity through net banking or through phone banking. You can also call customer care as the services are available 24 X 7 and even on Sundays and Bank Holidays.

Things to Keep in Mind While Blocking HDFC Credit Card

Blocking the HDFC credit card will become inevitable once suspicious transactions are noticed. But you will have to keep in mind a few things before blocking the card. They are:

  • EMIs on the card have to be taken care of.  Alternate arrangements for the EMIs have to be made. If you opt for a re-issue of the card, the EMI will be linked to the re-issued card.  In all probabilities, you might have to close the EMI if the card is going to be blocked permanently and not be re-issued.
  • If any ECS is linked to the card, you will have to contact the beneficiary and get the ECS delinked. Alternatively,  you can shift the ECS payment to any other mode.
  • Clear all the outstanding liability on the credit card. In case of a re-issue of the card, the liability will be transferred to the new card.
  • Permanent blocking of the card amounts to the closure of the card. In such cases, scrutinise the billed as well as the unbilled transactions for any suspicious transaction.

Locating the suspicious transaction after permanently blocking the card and paying off the entire card liability will negate the chances of a refund of the suspicious transaction amount.

How to reactivate a blocked HDFC Credit Card?

The preferred way to reactivate a blocked HDFC Credit Card is to call customer care and place a request for reactivation. If your credit card is stolen or lost and you have blocked it with a request for re-issuance, do not try to unblock it. Opt for unblocking the card only if the bank blocks the card for pending bills or for the usage of the card beyond the sanctioned limit.

Frequently Asked  Questions

✅ How to block credit card HDFC through customer care?

Just a call to the HDFC customer care and your credit card can be blocked. While raising a request for blocking the credit card, you should have the following details ready.

  • Credit card number
  • Type of  transaction-online or offline
  • Transaction date
  • Transaction Amount

With all the details ready, you will have to the customer care number and raise a request for real-time blocking of the card. Customers from Ahmedabad, Delhi and NCR, Hyderabad, Bangalore,  Kolkata, Pune and Mumbai can call 61606161. Customers from Chandigarh, Indore, Lucknow, Jaipur and Cochin can call 6160616.

You should prefix the STD code of the respective city while calling customer care. The helpline services are available round-the-clock, even on bank holidays and Sundays.

✅ How to block HDFC credit card by SMS?

You can block HDFC credit card by SMS by sending an SMS through the registered mobile number in the format BLOCK followed by the 16 digit card number to  5676712. However, HDFC does not provide the facility of blocking the credit card through SMS at present.

✅  What is a zero lost card liability?

HDFC offers a zero lost card liability facility for credit cards. Under this facility, if a fraudulent transaction occurs on a lost/stolen card, there will be zero liability on the fraudulent transaction if the fraud is reported immediately to the 24 x 7 customer care. It is essential to report the loss and block the card immediately using the phone banking services in the case of any fraudulent credit card transaction.

✅ What are the different ways of blocking the HDFC Credit  Card and how to block credit card HDFC vide these facilities?

The different ways of blocking HDFC credit cards are:

  • Through net banking
  • Through phone banking
  • By visiting the bank branch

Through net banking

  • Access your net banking account through the website of the bank using the User ID and password.
  • Click on the ‘Credit Cards’ option.
  • Click on the ‘Credit  Card Hotlisting’ option on the left-side  
  • All  the credit cards will be displayed
  • Choose the card that has to be hotlisted
  • Mention the reason for hotlisting
  • For re-issue of the credit card, choose the relevant option

Through Phone Banking

  • Call the phone banking numbers 61606161 or 6160616 depending on the city of residence. Pre-fix the STD code of the respective city while dialling the number.
  • Validate your TIN number, i.e., the four-digit number given by the bank while registering for phone banking services.
  • Follow the IVRS instructions for blocking the credit card.

By visiting the bank branch

  • Download the application form from the bank website or  collect the form from the nearest bank branch
  • Fill in the application with the required details.
  • Submit the form at the nearest bank branch, and the needful will be done.

✅ How to unblock the HDFC credit card?

You can unblock the credit card by calling the HDFC Credit  Card Customer Care helpline and requesting the reactivation of the card. Do not venture into reactivating the credit card if you have opted for a re-issue of the credit card.  Go for the unblocking option only if the Bank has blocked your card for repeated late payments or for spending beyond the credit limit.