HDFC Infinia Credit Card Rewards Cut: 5X Points on Vouchers Drop to 3X

• HDFC Bank's Infinia credit card will reduce the reward points multiplier on SmartBuy voucher purchases from 5X to 3X, effective January 16, 2026.
• This revision lowers the potential reward on such spends from approximately 16.67% to about 10% before fees, significantly impacting how cardholders maximize value.
• The change means earning 15 points per Rs 150 for voucher transactions under the new 3X multiplier, down from an effective 25 points per Rs 150 with the 5X bonus.
• This devaluation is part of a broader trend across banks, including ICICI Bank, which recently announced changes to credit card charges and benefits, and HDFC Bank's revised debit card lounge access norms.
• While Infinia retains premium benefits like travel perks and concierge services, the reduced voucher acceleration alters a key reward avenue for users.

Why It Matters: HDFC Infinia credit card's SmartBuy voucher rewards are significantly cut, reflecting a wider banking trend.