So my friend had HDFC employees visit their office today along with other banks, for salary accounts. He enquired about Infinia and they said he'll get FYF and then with 2nd year's renewal fee he'll get 12500 RPs but from 3rd year onwards there won't be any RPs for renewal fee. I have a LTF Infinia so I don't know how RPs work for renewals but I thought you get RPs every year after paying renewal fee!?