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HDFC Infinia Rewards Calculator
Calculate your monthly rewards, annual value, and fee waiver eligibility with the HDFC Infinia credit card.
Annual Fee
₹12,500 + GST
Base Rate
5 RP / ₹150 (3.33%)
Top Rate
50 RP / ₹150 (33.33%)
Fee Waiver
₹10L spend
Enter Your Monthly Spending Details
Hotels · IGP · Jockey · Pharmeasy
₹
Flights · Buses · Apple · Myntra · Adani Duty Free
₹
Gyftr · Woohoo
₹
Trains
₹
5 RP/₹150 · cap 2,000 RP/month combined
₹
5 RP/₹150 · cap 2,000 RP/month
₹
5 RP/₹150 · cap 10,000 RP/month
₹
5 RP/₹150 · cap 2L RP/statement
₹
Your Rewards Summary
Monthly RP
0 RP
Monthly Spend
₹0
Monthly Return Rate
0.00%
Monthly Cap Usage
SmartBuy Bonus (Overall)0 / 15,000 RP
Gift Card Bonus (Sub-cap)0 / 3,000 RP
Utilities + Telecom0 / 2,000 RP
Groceries0 / 2,000 RP
Insurance0 / 10,000 RP
Annual Projection
Spending Months / Year1
112
Annual Spend
₹0
Annual RP
0
RP Value
₹0
Fee Waiver · ₹10L annual spend0% · ₹10,00,000 to go
Retention Criteria · ₹18L annual primary + add-on spend0% · ₹18,00,000 to go
Total Annual Value₹0
Effective Return Rate0.00%
Assuming 1 RP = ₹1 · Fee waiver saves ₹14,750 (₹12,500 + 18% GST)
How this calculator works:
- • SmartBuy: 10× hotels, 5× flights/gift cards, 3× trains on ₹150 blocks
- • Gift Cards (Gyftr/Woohoo): bonus RP capped separately at 3,000 RP/month
- • Combined SmartBuy bonus capped at 15,000 RP/month (includes gift card bonus)
- • Utilities & Telecom: 5 RP/₹150 · 2,000 RP/month cap
- • Groceries: 5 RP/₹150 · 2,000 RP/month cap
- • Insurance: 5 RP/₹150 · 10,000 RP/month cap
- • Base/Other: 5 RP/₹150 · 2L RP/statement cap
- • Fee waiver at ₹10L annual spend saves ₹14,750