No affiliate bias • Original research

The CreditIQ Blog

Honest, data-driven writing on Indian credit cards. No fluff, no bank-sponsored rankings, no hidden agenda.

HDFC Infinia Review 2026 — Is the Rs.12,500 Fee Still Worth It?

After four devaluations, we ran the actual numbers. Who should keep it, who should downgrade, and the one use case where it remains irreplaceable.

Axis lost 3 transfer partners. HDFC cut earn rates. SBI capped cashback. ICICI excluded categories. Every change that happened and how to respond.

Both cost Rs.10,000+ per year. Both earn airline miles. But they are for completely different spenders — and choosing wrong costs you thousands.

Gyftr vouchers, flights at Rs.1/pt, 10X categories, monthly caps. Stop leaving 60% of your SmartBuy value unused.

Zero forex markup, airport lounge access, travel insurance, and miles on every flight. We rank the best for every type of traveller.

Cards advertise 4–10% on food apps but caps mean your real rate depends on how much you order. We calculated returns at Rs.8,000/month.

Three lifetime-free cards combined intelligently can beat a Rs.10,000-fee premium card for most Indian spenders. Here is the maths.