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.
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
Is your card still the best one to hold?
Devaluations change the math. Re-run Polo Match in 60 seconds and see the top 3 cards for your spending by real net annual value. Free, no bank login.
Re-check my cards →More updates
IDFC FIRST drops the forex markup on every credit card, then stops paying rewards on international spends from 26 Oct 2026
IDFC FIRST Bank now charges zero forex markup on all its credit cards, existing ones included, with no upgrade or spend condition. The trade: from 26 October 2026 most IDFC cards reportedly earn no reward points on international transactions, and Ashva's own page shows its international earn falling from 5X to 2X.
Amazon Pay and Kotak launch a business credit card: 5% back on Amazon Business for Prime members, sole proprietors only
The Amazon Pay Kotak Business Credit Card pays 5% cashback on eligible Amazon Business purchases and flight and hotel bookings for Prime members (3% otherwise), 2% on Amazon Pay bills and 1% elsewhere. The annual fee waiver counts only off-Amazon spend, and the top tier is capped at 5% of your monthly credit limit.
Wyndham Rewards adds a 45,000-point tier: top hotels get 50% pricier, cheapest get 33% cheaper (15 Sep 2026)
From 15 September 2026 Wyndham Rewards moves from three flat award tiers to four, adding a new 45,000-point top band for its most expensive hotels while dropping the entry tier to 5,000 points. Book the top properties before the switch.