In today’s fast-paced digital economy, credit cards have become essential tools for managing daily expenses, online purchases, and monthly EMIs.
However, when a credit card gets blocked or cancelled, it can significantly disrupt your financial activities. This 2025 guide is designed to help you understand why cards are deactivated and how to revive them quickly and efficiently, particularly for ICICI and HDFC cardholders.
Credit cards in India are typically blocked or cancelled due to several common reasons. If a card remains inactive for over 12 months, banks may disable it in compliance with RBI guidelines.
Cards may also be blocked due to outstanding dues, bounced EMIs, or suspicious activity detected by the bank. In some cases, customers themselves may request the closure of the card.
A blocked card is temporarily disabled and can often be restored, while a cancelled card is considered permanently closed and may require a new application. Ignoring a blocked or cancelled card can impact your credit score and future eligibility, so prompt action is crucial.
To revive a blocked credit card, you should first identify the reason for the block. This can be done through your bank’s mobile app or by calling customer service. If the issue is unpaid dues, these should be cleared immediately.
You can then submit a reactivation request through Net Banking, the bank's app, or over the phone. Verification of your identity through OTP, PAN, or updated KYC documents may be required.
Most banks respond within five to seven working days, and you can track the status of your request using their digital platforms or helplines. It’s also important to be aware of the RBI’s zero liability policy, which protects you from losses due to unauthorized transactions if reported within three days.
For ICICI Bank customers, cards may be deactivated due to inactivity, unpaid balances, or suspected fraud. To reinstate your ICICI credit card, log in to the iMobile Pay app or Net Banking platform and navigate to the request unblock option under the cards section.
Alternatively, you can call the customer care number 1860-120-7777 to speak to a representative and verify your identity. It is essential to ensure that no dues are pending and to redeem any reward points if the card is nearing closure. In some cases, you may be required to fill out a reactivation form either online or by visiting a local branch.
The bank usually processes these requests within five to seven business days. Temporary blocks can often be lifted instantly through the app, while permanent blocks might need formal documentation.
Lost or stolen cards can be replaced for a fee of ₹100. Make sure your contact details are up to date to receive timely notifications.
If your HDFC credit card has been cancelled, typically due to prolonged inactivity, a voluntary closure, or a security concern, it may still be possible to reactivate it under certain conditions. First, download the credit card reactivation form from HDFC’s official website under the cards section.
Fill in your personal and card details accurately, including PAN and Aadhaar information. Attach self-attested copies of these documents and mail them to HDFC Bank’s Cards Division in Chennai. Be sure to clear any outstanding dues through Net Banking or by visiting a branch.
You can track the progress of your reactivation request through HDFC’s Net Banking platform or by calling their support line at 61606161.
Typically, the process takes seven to ten working days after the bank receives your documentation. If your card was deactivated due to inactivity, reactivating it within 30 days can help you avoid reapplying for a new one and preserve your credit history.
Some users may face issues during the reactivation process. If you’re unsure why your card was blocked, contacting the bank directly is the best way to get clarity. In cases where the process is delayed, tracking the request online or escalating the issue to the Grievance Redressal Officer can help.
If your reactivation request is denied, double-check that all dues are paid and that your KYC information is current. If your credit score has dropped due to the block or cancellation, acting quickly to restore the card can help mitigate further impact.
To avoid future issues, use your credit card at least once every six months to prevent inactivity flags. Always pay your dues on time and consider setting up auto-debit to avoid missing payments.
Enable transaction alerts to stay informed about your card activity and keep your KYC and contact details up to date. Avoid closing old cards unnecessarily, as doing so can reduce your credit history length and negatively affect your credit score.
Reviving a blocked or cancelled credit card in India has become more manageable in 2025, thanks to more efficient systems implemented by banks like ICICI and HDFC.
Whether your card was deactivated for security reasons or due to inactivity, acting swiftly ensures you maintain access to credit and avoid long-term damage to your financial profile. If you’ve encountered challenges or have questions about your experience, feel free to share them we’d love to hear from you.
