HDFC Bank RuPay IRCTC Credit Card Settlement
All You Need To Know To Close Your Card Smoothly!
What is This Card?
The HDFC RuPay IRCTC Credit Card is a co-branded card offering travel benefits, especially on train bookings via IRCTC. Comes with cashback, lounge access & IRCTC points.
Why Settle the Card?
- High Annual Fees? - Not using IRCTC benefits anymore? - Want to reduce debt? Whatever your reason, settlement is possible!
Understand "Settlement"
Settlement means partially paying dues and closing the card with the bank’s approval. May impact your CIBIL score!
Check Your Outstanding
- Login to HDFC NetBanking / App - Check your latest statement - Note the total outstanding amount, including late fees or interest.
Contact HDFC Support
- Call Customer Care: 1800 1600 / 1800 2600 - Visit the nearest HDFC branch - Write to priorityredressal.cards@hdfcbank.com - Mention your intent to settle the credit card.
Negotiate a Settlement
Request a one-time settlement HDFC may offer: – Waiver of late fees/interest – A reduced final payment Get the offer in writing!
Make the Payment
- Pay the agreed amount - Use NetBanking/UPI/Cash/NEFT - Keep proof of payment - Ask for a No Dues Certificate.
Check Your Credit Report
- Settlement affects your CIBIL Score - The report will show: "Settled" (not "Closed") - Stay financially disciplined for 6–12 months to rebuild your score.
Final Tips
- Always prefer full payment if possible - Request card closure post settlement - Collect all documents from HDFC - Need help? Consult a credit counselor.