So regarding the foreclosure of hdfc, pls check this term and condition
The EMI scheme can be pre-closed by calling the 24 hour HDFC Bank Credit Cards customer service. 'Preclosure Interest charges' (as applicable) will apply. In case of preclosure, any payback offered by merchant at time of loan booking will be debited on pro rata basis. Any payment made into the credit card account over and above the EasyEMI shall not be deemed to be payment towards the amount availed under EMI scheme and shall not result in the closure of the said facility. HDFC Bank reserves the right to revise the pre-payment charges at its discretion, without prior notice and such revised charges shall be binding on the Card Holder.