HDFC Bank Adjusts Spend Threshold for Infinia Credit Card, Raises Questions on Fee Waiver Criteria

HDFC Bank Tightens Infinia Credit Card Fee Waiver Criteria

HDFC Bank has introduced revised eligibility norms for its premium Infinia Credit Card, significantly increasing the annual spend threshold from Rs 8 lakh to Rs 18 lakh. The change aims to retain high-value and high-engagement customers within the ultra-premium credit card portfolio.

Under the revised norms, Infinia cardholders must meet at least one of the following conditions in a financial year: annual card spends of Rs 18 lakh across primary and add-on cards, or a Relationship Value (RLV) of Rs 50 lakh. The RLV includes combined average monthly balances across savings, current, and deposit accounts.

The revised norms have been waived for existing customers for FY26, with uninterrupted benefits continuing till March 2027. The first review under the new framework is expected in April 2027, providing cardholders with a transition window to align spends or relationship balances.

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The change has not been formally announced on the bank's website or through any public disclosure, suggesting a phased rollout via direct customer emails. This move aligns with broader industry trends, where banks are recalibrating premium card economics, tightening benefit structures, and linking eligibility more closely to profitability and relationship depth.

Key Figures

• Annual spend threshold: Increased from Rs 8 lakh to Rs 18 lakh
• Relationship Value (RLV): Rs 50 lakh
• FY26: Financial year for which the revised norms have been waived for existing customers
• March 2027: Date until which uninterrupted benefits will continue for existing customers
• April 2027: Expected date for the first review under the new framework