PayperWIZ

HDFC Infinia cashback rate, cap and annual fee

HDFC Infinia pays 1% on everything, as a base rate, 1% on groceries, 1% at utility bills and 1% on phone and internet. The card costs INR 12,500 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

HDFC Bank · India · catalogue v121

Read from HDFC Bank's own published terms on 30 Oct 2026.

INR 12,500Annual fee
1%Best rate

What it pays, by category

SpendingRateMonthly cap
everything else1.00%—5 Reward Points per ₹150 of retail spend, including insurance, utilities and education paid direct; 2,00,000 points a statement cycle at most.
groceries1.00%INR 600reached at INR 60,000 of spend5 per ₹150, at most 2,000 points a calendar month.
utility billsgovernment1.00%INR 600reached at INR 60,000 of spendUtilities earn 5 per ₹150, at most 2,000 points a month.
phone and internet1.00%INR 600reached at INR 60,000 of spend5 per ₹150, at most 2,000 points a month.
fuelNone—Fuel earns no points.
rent and propertyNone—Rent earns no points (MITC, all cards since 1 Jan 2023).
governmentNone—Government payments earn no points.
paid through third-party appsNone—Education paid through CRED, Cheq, MobiKwik and similar apps earns no points; paid direct to the school or college it earns the base rate.
HDFC's redemption table: 1 point is worth ₹1 on SmartBuy flights and hotels and on Apple and Tanishq, 1 airmile, ₹0.50 on products and vouchers, and "up to ₹0.30" as cashback against the statement. The cashback ₹0.30 is the value used, so 1% on retail spend (3.33% at the ₹1 travel value). SmartBuy's "up to 10X" varies by SmartBuy merchant and is not priced. Insurance points are capped at 10,000 a month. INR 12,500 + GST a year (cards sourced before 18 Oct 2021: INR 10,000, waived at INR 8 lakh), renewal waived on INR 10 lakh. 2% foreign currency markup. By invitation only, which is not closed. The network is not stated on the page; Mastercard is kept. Source: hdfc.bank.in Infinia page, Infinia Reward Points Program terms and HDFC MITC v4.17 (29 Oct 2026), read 30 Oct 2026.

Questions people ask

What cashback does the HDFC Infinia pay?

1% on everything, as a base rate, 1% on groceries, 1% at utility bills and 1% on phone and internet.

Is there a cap on the HDFC Infinia?

Yes. groceries is capped at INR 600 a month; utility bills is capped at INR 600 a month; phone and internet is capped at INR 600 a month.

What is the annual fee on the HDFC Infinia?

INR 12,500 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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