How To Block Hdfc Credit Card

How To Block Hdfc Credit Card ( How To Block Hdfc Credit Card in English )

First of all let us understand when does HDFC credit card need to be blocked? As a result of the increasing incidence of phishing, the card needs to be blocked to avoid fraudulent transactions. Due to the increasing popularity of online transactions, opportunities for fraud are increasing, OTP is received on your mobile number while making payment and if you receive OTP for any transaction which you have not initiated, you will have to instantiate the card. should be blocked. The various methods that can be applied to block HDFC credit card are discussed further below:-

how to block hdfc credit card online

Credit card frauds are on the rise so it is important to know the different ways to block HDFC credit cards. Under what circumstances should HDFC Credit Card be blocked?

Credit card should be blocked if:-

  1. it is stolen or lost
  2. You are unable to withdraw the credit card from the ATM slot.
  3. The cash withdrawal transaction has been completed, but the money has not been disbursed.
  4. You receive OTP for the transaction that you have not initiated.

To avoid further theft of money, the bank has provided several avenues to block the card immediately.

  1. from internet banking
  2. by calling customer care
  3. via phone banking
  4. visiting a bank branch

How to Block HDFC Credit Card through Internet Banking?

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

  1. Visit the official website of the bank.
  2. Log in to the Net Banking account using the login credentials.
  3. Go to the ‘Credit Card’ option.
  4. On the left hand side you will find the option of ‘Credit Card Hotlisting’. Click on Options.
  5. A list of credit cards will be displayed.
  6. Click on the card to be hotlisted.
  7. Enter the reason for the hotlisting.
  8. If you wish to reissue the card, select the appropriate option.

How to Block HDFC Credit Card through PhoneBanking?

To block HDFC Credit Card through Phone Banking, you should have your card number, customer ID or PIN and TIN (Telephone Identification Number). Once all the required details are ready, you can call the following numbers for phone banking services.

Customers from Ahmedabad, Delhi & NCR, Hyderabad, Bangalore, Kolkata, Pune and Mumbai can call 61606161.
Customers of Chandigarh, Indore, Lucknow, Jaipur and Cochin can call on 6160616.
While dialing the number, put forward the STD code of the respective city.

After making the call, you follow the steps given below:-

  1. Verify your TIN number. This is the four digit number given by HDFC while registering for phone banking services.
  2. Follow the instructions of IVRS to block the card.

How to Block HDFC Credit Card by visiting a bank branch?

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

  1. Download the respective application form online or get the form at the branch.
  2. Complete the application form by filling the required details.
  3. Submit the duly filled form to the branch to do the required work.
  4. The card will be approved for blocking and the card will be blocked in no time.

How to block HDFC credit card in case of fraudulent activity?

In order to avoid fraudulent activity, it is imperative to report some erroneous transactions as soon as they are detected. The best way to prevent credit card usage fraud is to report the card and get it temporarily closed. Sometimes, you’ll only see some levied interest with the monthly bill. In such cases, you will have to pay that interest as well, try to follow a zero interest rate policy. A zero liability policy will protect you from monetary loss as you will not be liable for unauthorized transactions.

You can block HDFC card in case of fraudulent activity through net banking or phone banking. You can also call the customer care as the services are 24 x 7 and available even on Sundays and bank holidays.

Things to keep in mind while blocking HDFC credit card

It will become mandatory to block the HDFC credit card once suspicious transactions are detected. But before blocking the card, you have to keep some things in mind. Those are the following things:-

The EMI on the card will have to be taken care of and alternate arrangements will have to be made to pay that EMI. If you choose to re-issue the card, the EMI will be linked to the re-issued card. In all likelihood, if the card is going to be permanently blocked and not being reissued, you may have to turn off the EMIs.

If any ECS is linked to the card, then you have to contact the beneficiary and get the ECS unlinked. Alternatively, you can transfer the ECS payment to any other mode.

Pay off all outstanding balance on the credit card. In case of re-issue of the card, the liability will be transferred to the new card.

Permanently blocking the card is equivalent to locking the card. In such cases, check billed as well as unbilled transactions for any suspicious transactions.

How to Reactivate Block HDFC Credit Card?

The preferred way to reactivate Block HDFC credit card is by calling customer care and requesting for activation. If your credit card is stolen or lost and you have blocked it with a reissuance request, do not attempt to unblock it. Select the option to unblock the card only if the bank has blocked the card for pending bills or for usage of the card in excess of the approved limit.

Frequently Asked Questions (FAQs) on Blocking HDFC Credit Card

Q: How to block HDFC credit card through customer care?

Answer: You can block your credit card by just making a call to HDFC customer care. While making a request to block a credit card, you should have the following details ready.

  1. Credit Card Number
  2. Online or offline transaction type
  3. Transaction Date
  4. Transaction Amount

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

While calling the customer care you should enter the STD code of the respective city. Helpline services are available round the clock, even on bank holidays and Sundays.

Question: How to block HDFC credit card by sending SMS?

Answer: You can block HDFC credit card by sending an SMS from your registered mobile number. You can block by sending SMS to 5676712 followed by 16 digit card number. However, HDFC does not currently provide the facility to block credit cards through SMS.

Question: What is Zero Lost Card Liability?

Answer: HDFC offers zero lost card liability facility on the credit card. Under this facility, if there is a fraudulent transaction on a lost or stolen card, there will be zero liability on the fraudulent transaction by promptly reporting the fraudulent transaction to the customer service 24 x 7. In case of any fraudulent credit card transaction it is necessary to immediately report the loss and block the card using the phone banking services.

Question: What are the ways to block HDFC credit card?

Answer: There are various ways to block HDFC credit card, such as:-

  1. through net banking
  2. via phone banking
  3. visiting a bank branch

through net banking

  1. Access your Net Banking account through the Bank’s website using User ID and Password.
  2. Click on the ‘Credit Card’ option.
  3. Click on the ‘Credit Card Hotlisting’ option on the left
  4. All credit cards will be displayed
  5. Select the card to be hotlisted
  6. Specify the reason for the hotlisting
  7. For re-issuance of credit card, select the relevant option

via phone banking

  1. Call the phone banking number 61606161 or 6160616 depending on the city of residence. While dialing the number, pre-fix the STD code of the respective city.
  2. Validate your TIN number, ie the four digit number provided by the bank, while registering for phone banking services.
  3. Follow the IVRS instructions to block the credit card.

visiting a bank branch

  1. Get the form from the nearest bank branch
  2. Fill the application with the required details.
  3. Submit the form to the nearest bank branch, necessary action will be taken.

Question: How to unblock HDFC credit card?

Ans: You can unblock the credit card by calling the HDFC credit card customer care helpline and requesting to reactivate the card.

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