HDFC Bank raises spend threshold for Infinia card continuity

• HDFC Infinia card requires Rs 18L spend or Rs 50L RLV annually
• Fee waiver thresholds remain unchanged for Infinia cards
• New criteria apply from April 2027, with benefits till March 2027

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HDFC Bank appears to have introduced tighter continuity criteria for its premium Infinia Credit Card, after customer emails highlighted higher annual spend requirements to continue enjoying the card’s benefits.

Several Infinia cardholders have received emails from the bank outlining revised eligibility norms linked to continued access to the Infinia programme. The communication indicates that continued access to the card experience will now be linked to either higher card spends or a deeper banking relationship.

As per the email, cardholders will need to meet at least one of the following conditions in a financial year: annual card spends of Rs 18 lakh across primary and add-on cards, or a Relationship Value (RLV) of Rs 50 lakh. Relationship Value includes combined average monthly balances across savings, current and deposit accounts.

However, the bank clarified that the fee waiver thresholds for the cards remain unchanged. The annual fee waiver continues to be linked to spends of Rs 8 lakh for the Infinia Credit Card and Rs 10 lakh for the Infinia Metal variant.

According to HDFC Bank’s credit card team, the Rs 18 lakh spend or Rs 50 lakh RLV requirement is a newly introduced continuity criteria aimed at determining continued access to the Infinia programme and experience, and is separate from the annual fee waiver condition.

The revision signals a shift in positioning, with the bank seemingly aiming to retain high-value and high-engagement customers within its ultra-premium credit card portfolio while keeping the fee waiver construct intact.

The email also shows that the revised norms have been waived for existing customers for FY26, with uninterrupted benefits continuing till March 2027. The first review under the new framework is expected in April 2027, giving cardholders a transition window to align spends or relationship balances.

HDFC Bank also stated that these continuity criteria have been officially communicated to customers via email.

The move comes amid broader industry trends where banks are recalibrating premium card economics, tightening benefit structures, and linking eligibility more closely to profitability and relationship depth.

HDFC Bank shared the above clarification with Moneycontrol after publication of the initial story.