HDFC Bank Tightens Rules for Infinia Credit Card: Spend ₹18 Lakh or Maintain ₹50 L RLV

HDFC Bank has revised the eligibility criteria for its premium Infinia Credit Card, making it harder for some customers to retain the card’s exclusive privileges. The changes were shared with cardholders via email, though the bank has not specified an exact date from which the new norms will apply.

Higher Annual Spend Required

Under the updated rules, Infinia cardholders must now meet one of two conditions in a financial year to continue enjoying premium benefits:

• Spend at least ₹18 lakh using the Infinia Credit Card (including both primary and add-on cards), OR
• Maintain a Relationship Value (RLV) of ₹50 lakh with HDFC Bank.

The Relationship Value (RLV) refers to the combined average monthly balance a customer holds across savings accounts, current accounts, fixed deposits and recurring deposits with HDFC Bank.

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This is a significant change from earlier norms, where a much lower spend requirement of ₹10 lakh per year was enough to waive the renewal fee for the Infinia Metal variant of the card.

What This Means for Cardholders

The Infinia Credit Card is one of HDFC Bank’s top-end credit offerings, known for benefits such as high reward points, unlimited airport lounge access, and concierge services. It is offered mainly to select customers by invitation only.

Previously, many users could retain the card’s privileges by meeting the ₹10 lakh spend requirement. With the new ₹18 lakh threshold, the bank is clearly raising the bar for continued access. Those who do not meet either the spending or RLV criteria may risk losing access to certain premium features or even be downgraded.

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Fees and Benefits

It’s important to note:

• The Infinia Metal Credit Card is not free. It carries a joining fee of ₹12,500 plus taxes, and an annual renewal fee of the same amount.
• The higher spend or RLV rule essentially functions as a continuity criterion to retain the card’s premium status and perks.
• Card benefits include 5 reward points for every ₹150 spent, unlimited airport lounge access, and other travel and lifestyle privileges — perks that appeal mostly to high spenders and premium customers.

Why This Matters

The updated criteria reflect HDFC Bank’s intent to align the Infinia Credit Card more closely with high-value customers, ensuring that only those with significant spending patterns or strong banking relationships continue to benefit.

For existing users, this means they may need to review their spending habits and bank balances carefully in the coming months to avoid losing privileges tied to this premium product.