HDFC Infinia now demands ₹18L annual spend or ₹50L relationship value to keep the card
For 2026–27, Infinia holders must hit ₹18 lakh in card spend or park ₹50 lakh with HDFC, or risk downgrade/termination in 2027. What the new retention rule means.
In this article
HDFC's flagship super-premium card, the Infinia, added a hard retention requirement for the period 1 April 2026 to 31 March 2027.
What changed
To keep the Infinia in good standing, a cardholder must meet one of the following during the year:
- ₹18,00,000 of spend on the Infinia card, or
- ₹50,00,000 Total Relationship Value with HDFC (savings + current + term/recurring deposits).
Cardholders who miss both face downgrade or termination in 2027.
Who's hit
Infinia has long been held by people who valued the card's benefits without necessarily routing ₹18 lakh a year through it. That group now has to either dramatically increase card usage, move a large deposit balance to HDFC, or accept losing the card. Invite-only holders who treated it as a "keep forever" status card are the most exposed.
What to do
If you're not going to clear ₹18 lakh of Infinia spend and don't want to lock ₹50 lakh at HDFC, it's worth knowing your fallbacks now rather than in 2027. Use Polo Match to see which cards match your spend without a retention gate, and check the Infinia's redemption math to decide whether the effort is still worth it.
Cards affected
Card figures on CardPolo come from our catalog, each with an issuer source and a verified date where we have checked it. Spot something out of date? Tell us at [email protected].
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