Verified 6 Aug
Deepak Mukherjee
Asked 10 Jun 2026
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
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A Mastercard premium tier card.
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A Mastercard basic card.
Please recommend a credit card with annual fee under ₹2,00,000 that excels at grocery shopping. I prefer Visa/Mastercard over RuPay for wider acceptance.
