HDFC Infinia Credit Card Rewards Devalued: Key Changes from Jan 16

• HDFC Bank has significantly reduced rewards for its premium Infinia credit card, effective January 16, 2026.
• Reward points on SmartBuy vouchers via Gyftr will drop from 5X to 3X, lowering the effective reward rate from 16.5% to 10%.
• Amazon Pay vouchers will now offer a reduced return of 5.77%.
• The changes align Infinia's rewards with other premium HDFC cards like Biz Black and Diners Club Black.
• Cardholders need to reassess the card's value due to reduced benefits and existing annual fees.

Why It Matters: HDFC Infinia credit card rewards are significantly devalued, impacting its value proposition for users.