Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly Swiggy, Zomato & Dining Out Spend
Top-rated credit cards for ₹100,000/mo spent on Swiggy, Zomato & Dining Out. #1 HDFC Infinia Metal Edition yields ₹76,403 net annual value (6.37% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver6.37% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹76,403
Full 10-Card Ranked Standings (@ ₹1,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 6.66% | ₹76,403 | Waived (₹0) | +₹76,403 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 6.66% | ₹76,403 | Waived (₹0) | +₹76,403 | Apply → |
| #3 | SBI Cashback Credit CardSBI Card | 5% | ₹48,545 | Waived (₹0) | +₹48,545 | Apply → |
| #4 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹45,723 | Waived (₹0) | +₹45,723 | Apply → |
| #5 | Flipkart Axis Bank Credit CardAxis Bank | 4% | ₹39,164 | Waived (₹0) | +₹39,164 | Apply → |
| #6 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹44,073 | ₹5,900 | +₹38,173 | Apply → |
| #7 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹31,527 | Waived (₹0) | +₹31,527 | Apply → |
| #8 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹28,977 | Waived (₹0) | +₹28,977 | Apply → |
| #9 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹27,436 | Waived (₹0) | +₹27,436 | Apply → |
| #10 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹25,705 | Waived (₹0) | +₹25,705 | Apply → |
| #11 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹25,309 | Waived (₹0) | +₹25,309 | Apply → |
| #12 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹24,627 | Waived (₹0) | +₹24,627 | Apply → |
| #13 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹24,611 | Waived (₹0) | +₹24,611 | Apply → |
| #14 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹23,345 | Waived (₹0) | +₹23,345 | Apply → |
| #15 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹19,582 | Waived (₹0) | +₹19,582 | Apply → |
| #16 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹18,109 | Waived (₹0) | +₹18,109 | Apply → |
| #17 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹17,073 | Waived (₹0) | +₹17,073 | Apply → |
| #18 | HSBC Live+ Credit CardHSBC India | 10% | ₹16,909 | Waived (₹0) | +₹16,909 | Apply → |
| #19 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹14,618 | Waived (₹0) | +₹14,618 | Apply → |
| #20 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹29,062 | ₹14,750 | +₹14,312 | Apply → |
| #21 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹13,745 | Waived (₹0) | +₹13,745 | Apply → |
| #22 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹13,609 | Waived (₹0) | +₹13,609 | Apply → |
| #23 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,473 | Waived (₹0) | +₹13,473 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹13,091 | Waived (₹0) | +₹13,091 | Apply → |
| #25 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹12,807 | Waived (₹0) | +₹12,807 | Apply → |
| #26 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹10,486 | Waived (₹0) | +₹10,486 | Apply → |
| #27 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹10,145 | Waived (₹0) | +₹10,145 | Apply → |
| #28 | OneCard Metal Credit CardFederal Bank | 1% | ₹9,895 | Waived (₹0) | +₹9,895 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 1% | ₹9,014 | Waived (₹0) | +₹9,014 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹5,632 | Waived (₹0) | +₹5,632 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on Swiggy, Zomato & Dining Out?▼
HDFC Infinia Metal Edition ranks #1, generating ₹76,403 gross rewards and ₹76,403 in net annual value (6.37% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Diners Club Black Metal Edition delivering ₹76,403 net annual value. HDFC Infinia Metal Edition outperforms it by ₹0/year.
Which credit cards should I avoid for Swiggy, Zomato & Dining Out?▼
All 10 seed cards earn at least base rewards on this category.
Will the annual fee of the winning card be waived?▼
For HDFC Infinia Metal Edition at ₹1,200,000 annual spend, the fee is waived (₹0 effective fee).