HDFC Bank Slashes Infinia Credit Card Rewards: What It Means For You

• HDFC Bank has significantly reduced the reward structure for its premium Infinia credit card, effective January 16, 2026.
• Infinia cardholders will now earn 3X reward points instead of 5X on SmartBuy vouchers, decreasing the effective reward rate from 16.5% to about 10%.
• Rewards on Amazon Pay vouchers have also been cut to 5.77%, with an additional convenience fee of up to 4% on some brands.
• The changes align Infinia's reward structure with other HDFC premium cards like Biz Black and Diners Club Black, reducing its unique advantage.
• Despite the reduced benefits, the premium annual fees for the Infinia card remain unchanged, impacting its overall value proposition.

Why It Matters: HDFC Bank's Infinia credit card rewards are significantly reduced, impacting high-spending users and its value.