How to Block Credit Card HDFC

How to block credit card HDFC is something that should be done immediately if the card is lost, stolen, or misused.

Delays can cost money.

Blocking is quick. And reversible in some cases.

When a credit card should be blocked

A credit card should be blocked if:

• The card is lost or stolen
• Suspicious transactions appear
• Card details may be compromised
• The card is misplaced and cannot be found

Blocking stops all future transactions instantly.

Ways to block an HDFC credit card

Credit cards issued by HDFC Bank can be blocked using multiple methods.

Pick the fastest option available.

1. Block credit card via HDFC mobile app

This is the quickest method.

Steps usually look like this:

• Open the HDFC Bank mobile app
• Go to credit cards section
• Select the card
• Choose “Block Card”
• Confirm the reason

The card is blocked instantly.

2. Block credit card using NetBanking

Works well on desktop.

Steps:

• Log in to HDFC NetBanking
• Go to Cards → Credit Cards
• Select the card to block
• Choose block option and confirm

No calls needed.

3. Block credit card through customer care

This is useful if app access is unavailable.

The process:

• Call HDFC credit card customer care
• Verify identity details
• Request immediate card block

The executive confirms once done.

Temporary block vs permanent block

Important difference.

• Temporary block: Card can be unblocked later
• Permanent block: Card is cancelled and replaced

For lost cards, permanent block is safer.

For misplaced cards, temporary block may work.

What happens after blocking the card

Once blocked:

• All transactions stop
• Standing instructions may fail
• A replacement card can be requested

A new card with a new number is usually issued.

Does blocking affect credit score?

No.

Blocking a credit card:

• Does not affect credit score
• Does not close the account

Only unpaid dues or missed payments affect the score.

Charges for blocking or replacement

Blocking is free.

Replacement card:

• Usually free for fraud or loss
• May carry a fee in some cases

This depends on card terms.

What to do after blocking

Quick tip. After blocking:

• Check last transactions
• Report any unauthorised spend
• Request chargeback if needed

Early reporting helps recovery.

FAQ

Can HDFC credit card be blocked online?

Yes, via app or NetBanking.

Is customer care blocking instant?

Yes, blocking happens immediately.

Can a blocked card be unblocked?

Only if it was temporarily blocked.

In short

HDFC credit cards can be blocked instantly online or by phone.

Blocking prevents misuse and protects money.

Act fast when something feels wrong.

Still unsure whether a card needs to be blocked or just temporarily frozen?