How to Close HSBC Credit Card

Want to close your HSBC credit card but unsure where to start? Whether you’re managing fewer cards or switching to better benefits, this complete 2025 guide walks you through how to cancel or close your HSBC credit card in India — safely and without hurting your credit score.

How to close or Cancel to HSBC credit card?

Before initiating the closure simple process, make sure you follow these important steps:

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Net banking

Account Holder can log in to net banking account and submit a formal request for the cancellation of their card.

HSBC credit card customer care

Call HSBC India’s credit card helpline:

📱 HSBC Credit Card Customer Care: 1800 267 3456 or 1800 121 2208

Steps:

Authenticate with card/account details

Request card cancellation

Note down reference number

Visiting a Branch

You can also visit your nearest HSBC bank branch and submit a written request to cancel your credit card.

Exmpl:

To,
The Manager,
HSBC Bank India

Subject: Request for Closure of Credit Card

Dear Sir/Madam,

I am holding an HSBC credit card with number ending XXXX. Kindly close this card with immediate effect. I confirm that all dues are cleared and no auto-debits are linked.

Please send me written confirmation of the card cancellation.

Thank you,
[Full Name]
[Registered Address]
[Mobile Number]
[Signature]

Email

Email To HSBC Bank with a write Request To Cancel My card.

Official Email: cardsupport@hsbc.co.in

Example:

Subject: Request for Credit Card Closure – [Last 4 digits of Card]

Dear HSBC Support Team,

I would like to request the closure of my HSBC Credit Card ending with XXXX. All dues are cleared, and I have redeemed my reward points. Kindly process the cancellation and confirm via email.

Registered mobile: [Your Number]
Name: [Full Name]
Date of Birth: [DD/MM/YYYY]

Regards,
[Your Name]

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How to confirm HSBC credit cards is Closed

After submitting your request:

You will receive an email or SMS confirmation within 7 working days.

You can call customer care to check the status.

You may also receive a No Dues Confirmation Letter via post or email.

Pro Tip: Check your CIBIL report after 30 days to verify if the account shows as “Closed.”

Important Considerations Before Canceling Your HSBC Credit Card

the closure process, make sure you follow these important steps:

1. Clear All Outstanding Dues :
   Pay off your total outstanding balance, including EMIs and interest.
2. Redeem Reward Points :
   HSBC reward points may lapse after cancellation. Use them before closing.
3. Cancel Auto-Payments or Subscriptions:
   Deactivate any recurring payments linked to the card (Netflix, OTTs, prime members, EMIs).
4. Download Final Credit Card Statement:
   Keep a record for your personal reference and for any dispute clearance.

Closing HSBC Credit Card Affect Your Credit Score?

Yes, but slightly. Here’s how:

• Short credit history: Canceling an old credit card can reduce your credit history. This can have a negative impact on your credit score.
• Increase in your credit utilisation ratio: Closing an old credit card will reduce your available credit limit. This can also have a negative impact on your credit score.
• Impact on your credit mix: About 10% of your credit score is determined by your credit mix. When you close your old credit card, your credit mix gets impacted, which in turn impacts your credit score.
• Temporary drop in credit score: Closing an old credit card will cause a temporary drop in the credit score due to changes in the credit utilization ratio and age of the account.

Tips to Manage Credit Cards Smartly

• Always Pay you dues in full
• set reminder for due date.
• use credit for planned purchase,not impulsive shopping.
• treck you reward points and maximize their use.
• Review statements to monthly.

Common Mistakes to Avoid

• forgetting to redeem rewards points.
• not clearing all dues
• no proof of closure required
• Not following up for confirmation

Conclusion

Closing your HSBC credit card is a simple but crucial process. Just make sure all dues are cleared, follow the correct method, and collect closure confirmation for safety. Managing your credit cards responsibly helps maintain a strong CIBIL score and financial discipline.