How to close a HSBC credit card permanently?
Sudeep Ghosh
Asked 3 Apr 2026
I want to close my HSBC credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
2 Answers
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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