To continue enjoying premium benefits on the Infinia card going forward, you must now meet one of the following conditions annually:
₹18 lakh in yearly card spends (including primary and add-on cards)
Relationship Value (RLV) of ₹50 lakh with HDFC Bank — this includes average balances across savings/current accounts, fixed deposits, and other eligible holdings.
Why It Matters
Previously, Infinia holders could enjoy most benefits by meeting lower spend targets — typically around ₹10 lakh per year for things like annual fee waivers.
With the revised Continuity criteria:
You must be a high-engagement customer — either by spending big on the card
Or by maintaining significant deposits/relationship value with the bank
Falling short of these could mean losing premium perks even if you’ve held the card for years
Implementation & Transition
The bank has communicated these changes via email to existing cardholders.
While specific effective dates may vary, these criteria apply from the next financial year onward — giving a transition phase for current customers to plan.
Existing cardholders typically retain benefits under old criteria until the transition period ends (often through March 2027).
HDFC Bank has significantly tightened eligibility for the premium Infinia Credit Card, making it harder to retain benefits without either high annual spends (₹18 lakh+) or a wealth stronghold with the bank (₹50 lakh RLV). If you’re an Infinia holder, review your annual spending and relationship balances now — this change is one of the biggest shifts in premium credit card eligibility in 2026.