Verified 5 Aug
Aryan Bissa
Asked 29 Mar 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.
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The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
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Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.
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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 bill payments. I prefer Visa/Mastercard over RuPay for wider acceptance.
