From Rs 10 lakh to Rs 18 lakh: HDFC Bank revises Infinia credit card spend criterion for fee waiver; RLV revised to Rs 50 lakh; check details

HDFC Bank has tightened eligibility norms for continuing access to its ultra-premium Infinia Credit Card, introducing higher spending and relationship value thresholds for customers, making it more challenging for customers to retain premium privileges.
In a recent communication via mail sent to Infinia card holders, the bank said that continued access to the exclusive Infinia Experience programme will now be linked to higher minimum annual spending or relationship value criteria. However, there is no mention of the date when the revised criteria will become applicable.

New eligibility conditions explained

According to the email, customers must meet either of the two conditions during a financial year to retain Infinia Experience privileges:
Minimum annual card spends of Rs 18 lakh (including both primary and add-on cards), or


Relationship Value (RLV) of Rs 50 lakh
Relationship value refers to the combined average monthly balance maintained across savings accounts, current accounts, fixed deposits and recurring deposits with HDFC Bank.

Also read: 16 large financial transactions you can’t hide from Income Tax Department: Deposit, withdrawal, cash payments and more

As per the HDFC Bank website, earlier there was a spend limit of Rs 10 lakh or more in a year before the renewal date to get the renewal fee of Rs 12,500 waived.

This means that customers who either spend heavily on the card or maintain large deposits with the bank will continue to enjoy the premium benefits of the Infinia programme.

For existing users, the revised norms mean they will need to review their spending patterns and bank balances carefully. Customers who fall short of both thresholds may face downgrade or loss of certain premium privileges associated with the Infinia programme.

Who is eligible for an HDFC Bank Infinia Metal Credit Card?

HDFC Bank Infinia Metal Credit Card is offered to select customers by invitation only. The bank assesses your eligibility and informs you personally if you qualify for the card.

Is HDFC Bank Infinia Metal Credit Card free?

No, the Infinia Metal Credit Card is not free. There is a joining fee of Rs 12,500 plus applicable taxes and an annual renewal fee of Rs 12,500 plus applicable taxes.

What are the advantages of having an HDFC Bank Infinia Metal Credit Card?

The card offers a wide range of benefits:
Stylish metal edition credit card
5 reward points per Rs 150 spent
Complimentary Club Marriott membership for the first year and 12,500 reward points upon fee realisation and card activation
Unlimited airport lounge access.

Redemption Limit:
A maximum of 2 lakh reward points can be redeemed in a statement cycle.
Reward point redemption will be capped at 1.5 lakh reward points per month for flights, hotel bookings and airmiles.
Reward points can be redeemed for up to 70% of the total bill value on the purchase of Apple products and Tanishq vouchers. The remaining amount will have to be paid via the credit card.