Cardfare / What changed / HDFC Bank
HDFC Bank credit card changes: rewards, fees and benefits
Every reward cut, new fee and benefit change we can source, dated and linked to where it was announced. Changes to cards in your wallet are highlighted on this device.
August 2026
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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
July 2026
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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
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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
May 2026
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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
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CutHDFC Bank· since 15 May 2026
HDFC points cards move to per-₹200 earning; Regalia Gold now 5 per ₹200
Most HDFC reward-point cards now earn per ₹200 instead of per ₹150; Regalia Gold goes to 5 points per ₹200 (from 4 per ₹150) and Diners Club Privilege to 4 per ₹200. Infinia, Diners Black and cashback cards such as Millennia, Swiggy and Tata Neu are unchanged.
Cards: HDFC Regalia Gold
Source: Live From A Lounge
April 2026
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Benefit changeReportedHDFC Bank· since 1 April 2026
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.
Cards: HDFC Infinia Metal Edition
Source: CardExpert
February 2026
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UpdateReportedHDFC Bank· since 10 February 2026
HDFC stops issuing new Swiggy HDFC credit cards
HDFC stopped sourcing new Swiggy HDFC Bank credit cards. Existing cards kept working at the time; a phased migration to new variants followed in August 2026.
Cards: Swiggy HDFC Bank
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CutReportedHDFC Bank· since 1 February 2026
HDFC Infinia limits redemptions to five a month
Infinia cardholders can now redeem reward points at most five times a month, within existing value caps such as ₹1.5 lakh a month on flights, hotels and air miles. Apple and Tanishq redemptions on SmartBuy can cover only up to 70% of the bill with points.
Cards: HDFC Infinia Metal Edition
Source: Business Standard
July 2025
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CutReportedHDFC Bank· since 1 July 2025
HDFC caps reward points on insurance and ends points on skill-gaming
Reward points on insurance payments are now capped each month at 10,000 on Infinia, 5,000 on Diners Black variants and 2,000 on most other cards. Online skill-gaming spends no longer earn reward points or CashPoints.
Applies across HDFC Bank's cards
Source: Upstox News
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New feeReportedHDFC Bank· since 1 July 2025
HDFC adds 1% fee on wallet loads and skill-gaming, raises fee cap to ₹4,999
HDFC began charging 1% on wallet loads (excluding PayZapp) and online skill-gaming once either exceeds ₹10,000 in a calendar month. Its existing 1% fees on rent, fuel, education (via third-party apps) and utilities (above ₹50,000 a month, ₹75,000 for business cards) are now capped at ₹4,999.
Applies across HDFC Bank's cards
Source: Business Standard