How to Close HSBC Credit Card in India: Complete guide

Credit Cards HSBC
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I’m looking to close my HSBC credit card in India. What steps should I follow to ensure the process is smooth and my credit score remains unaffected?

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When I decided to close my HSBC credit card, I wanted to ensure the process was straightforward and didn’t negatively impact my credit score. I found that HSBC offers multiple channels to initiate the closure, and following the correct steps can make the process seamless.

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Step 1: Clear Outstanding Balances for HSBC Credit Card

Before initiating the closure, I ensured that I paid off any outstanding balances on my HSBC credit card. This step is crucial because HSBC requires the card to have a zero balance before they can proceed with the closure .

Step 2: Initiate Closure Request for HSBC Credit Card

I had several options to request the closure:

  • Phone Banking: I called HSBC’s PhoneBanking service to register my closure request. The representative guided me through the process and confirmed the necessary steps.
  • Internet Banking: I logged into my HSBC Internet Banking account and submitted a request to close the credit card. This method was convenient and allowed me to keep a record of my request.
  • Written Request: Alternatively, I could have submitted a written request at any HSBC branch. This option was suitable for those who prefer in-person interactions .

Step 3: Cut the Card for HSBC Credit Card

After submitting my closure request, I made sure to cut my HSBC credit card into pieces across the chip and magnetic stripe. This step ensures that the card cannot be used for any unauthorized transactions .

Step 4: Follow Up for HSBC Credit Card

To ensure that the closure was processed, I followed up with HSBC. I received a confirmation once the closure was complete, and I made sure to obtain a written acknowledgment for my records.

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