HDFC Bank Credit Card Reward Points Revised Effective February 1, 2026

The Infinia metal credit card from HDFC Bank will see its reward point redemption rules change from February 1, 2026, affecting how often and how much can be redeemed across various categories. 

Key Changes to Redemption Frequency and Limits 

From February 1, 2026, cardholders can redeem reward points up to five times per month, an increase from earlier reports of three times.  

The monthly redemption ceiling is set at 50,000 points against the statement balance and a total of ₹2,00,000 can be redeemed in a statement cycle. 

Earn Rate and SmartBuy Multipliers 

Every ₹150 spent on the Infinia card generates five reward points, subject to standard conditions. Purchases made through SmartBuy qualify for up to ten times the normal points, enhancing earnings on selected merchants. 

Read More: ICICI Bank Credit Card Rule Changes Effective February 1, 2026: Will You Still Get a Complimentary BookMyShow Movie Ticket? 

Category Specific Redemption Caps 

For flight and hotel bookings as well as airmiles, the redemption value is capped at ₹1,50,000 per month. Apple products and Tanishq vouchers can be covered up to 70% of the bill, with the balance payable by card. Cashback against the statement balance is limited to ₹0.30 per ₹1 spent. 

Additional Card Features and Eligibility 

The Infinia card remains invitation only, with a joining fee of ₹12,500 plus taxes and an annual renewal fee of the same amount. New cardholders receive a welcome credit of 12,500 points upon activation. If the card is not used for 365 days, accrued points will be nullified. 

Conclusion 

Effective February 1, 2026, HDFC Bank’s Infinia credit card will permit five monthly redemptions, impose a ₹2,00,000 cycle limit and introduce specific caps for travel, Apple and Tanishq purchases, while maintaining the existing earn rate and SmartBuy multipliers. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.