WordsA ceiling on rewards
Capping
A ceiling on rewards: past it, the capped reward stops for that month or statement cycle, however much more you spend. A cap can cover one kind of spend or the whole card; HDFC Bank’s MITC, for example, caps points on groceries, utilities and telecom each month, and the total a card can earn in a statement cycle.
Using points can be capped too: HDFC Bank’s MITC limits how many points a month can go on flights and hotels. Extra points have caps of their own; HDFC Bank’s Infinia terms cap the extra points earned through SmartBuy at 15,000 a month, and from 1 July 2026, at 3,000 of those on brand vouchers.
Where this comes from
- HDFC Bank, Key Fact Statement cum MITC for Credit CardsVersion 4.12, 30 September 2026: Part I, I) reward points and cashpoints, items h, m, n and z
- HDFC Bank, Infinia Reward Points Program Terms and ConditionsPDF of 6 July 2026 (date from its properties): clause 18
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What happened to members, not financial advice. Offers change, so check with the bank. Terms of use