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
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