Cardfare / What changed / HDFC Infinia needs ₹18L spend or ₹50L relationship to keep the card

HDFC Infinia needs ₹18L spend or ₹50L relationship to keep the card

To retain Infinia, cardholders must spend ₹18 lakh on the card or hold ₹50 lakh of relationship value with HDFC between 1 April 2026 and 31 March 2027. Those who meet neither will be told in 2027 and may be downgraded or removed.

Reported by CardExpert. HDFC Bank hasn't published this on its own site yet, so treat it as unconfirmed.

Cards affected

HDFC Infinia Metal Edition

Source

Starting April 1, 2026, Infinia cardholders must meet at least one of the following each financial year to retain the card.

CardExpert

Cardfare summarises public announcements. The bank's current terms are final. Spotted a mistake? Tell us.

More from HDFC Bank

• Benefit changeHDFC Bank· since 18 August 2026

  HDFC phasing out Swiggy card; holders move to Swiggy BLCK or Ornge

  HDFC is migrating Swiggy HDFC cardholders in phases to Swiggy BLCK (10% on Swiggy, ₹1,000 annual fee) or Swiggy Ornge (5% on Swiggy, lifetime free for existing holders). Those who don't choose are moved to Ornge after at least 30 days' notice, and autopay mandates must be set up again.

  Cards: Swiggy HDFC Bank

  Source: HDFC Bank – Swiggy card upgrade FAQ

• CutHDFC Bank· since 1 July 2026

  HDFC caps SmartBuy voucher bonus points at 3,000 a month

  Accelerated points on brand vouchers bought through SmartBuy (GyFTR or Woohoo) are now capped at 3,000 a month. On Infinia this sits inside the unchanged 15,000-point monthly SmartBuy accelerated cap.

  Cards: HDFC Infinia Metal Edition, HDFC Diners Club Black Metal

  Source: Live From A Lounge

• CutHDFC Bank· since 1 July 2026

  HDFC Regalia Gold and Diners Privilege lounges need ₹60,000 quarterly spend

  Regalia Gold now gives 3 domestic lounge visits a quarter, and Diners Club Privilege 2 domestic + 1 international, only after ₹60,000 of spend in the previous calendar quarter. BizPower's domestic visits drop from 16 to 8 a year, and Regalia Gold gains a Boarding Edge travel-perks programme.

  Cards: HDFC Regalia Gold

  Source: CardExpert

• New feeHDFC Bank· since 15 May 2026

  HDFC raises DCC markup to 1.75% and adds a card re-issue fee

  HDFC revised the dynamic currency conversion markup to 1.75% on rupee-billed international transactions. Replacing a lost, stolen or damaged card now costs ₹199, or ₹3,500 for metal cards.

  Cards: HDFC Regalia Gold

  Source: HDFC Bank – cardholder notice