HDFC Infinia Credit Card Rewards Cut: 5X Points on Vouchers Drop to 3X
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Moneycontrol•15-01-2026, 07:41
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.
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