Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly Blinkit, Zepto, Instamart & Supermarkets Spend
Top-rated credit cards for ₹100,000/mo spent on Blinkit, Zepto, Instamart & Supermarkets. #1 Swiggy HDFC Bank Credit Card yields ₹86,293 net annual value (7.19% ROI). Compare full 10-card leaderboard.
🥉 Rank #3 Bronze4.52% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹54,282
Full 10-Card Ranked Standings (@ ₹1,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹86,293 | Waived (₹0) | +₹86,293 | Apply → |
| #2 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹54,282 | Waived (₹0) | +₹54,282 | Apply → |
| #3 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹54,282 | Waived (₹0) | +₹54,282 | Apply → |
| #4 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹53,133 | Waived (₹0) | +₹53,133 | Apply → |
| #5 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹50,560 | Waived (₹0) | +₹50,560 | Apply → |
| #6 | SBI Cashback Credit CardSBI Card | 5% | ₹48,800 | Waived (₹0) | +₹48,800 | Apply → |
| #7 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹45,907 | Waived (₹0) | +₹45,907 | Apply → |
| #8 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹44,160 | ₹5,900 | +₹38,260 | Apply → |
| #9 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹25,800 | Waived (₹0) | +₹25,800 | Apply → |
| #10 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹25,280 | Waived (₹0) | +₹25,280 | Apply → |
| #11 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹24,419 | Waived (₹0) | +₹24,419 | Apply → |
| #12 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹23,493 | Waived (₹0) | +₹23,493 | Apply → |
| #13 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹19,680 | Waived (₹0) | +₹19,680 | Apply → |
| #14 | Flipkart Axis Bank Credit CardAxis Bank | 1% | ₹19,360 | Waived (₹0) | +₹19,360 | Apply → |
| #15 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 1.5% | ₹18,080 | Waived (₹0) | +₹18,080 | Apply → |
| #16 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹17,973 | Waived (₹0) | +₹17,973 | Apply → |
| #17 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹17,560 | Waived (₹0) | +₹17,560 | Apply → |
| #18 | HSBC Live+ Credit CardHSBC India | 10% | ₹16,800 | Waived (₹0) | +₹16,800 | Apply → |
| #19 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹14,627 | Waived (₹0) | +₹14,627 | Apply → |
| #20 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹29,056 | ₹14,750 | +₹14,306 | Apply → |
| #21 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹13,707 | Waived (₹0) | +₹13,707 | Apply → |
| #22 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹13,627 | Waived (₹0) | +₹13,627 | Apply → |
| #23 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,440 | Waived (₹0) | +₹13,440 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹13,067 | Waived (₹0) | +₹13,067 | Apply → |
| #25 | OneCard Metal Credit CardFederal Bank | 1% | ₹9,941 | Waived (₹0) | +₹9,941 | Apply → |
| #26 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.75% | ₹8,853 | Waived (₹0) | +₹8,853 | Apply → |
| #27 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹8,256 | Waived (₹0) | +₹8,256 | Apply → |
| #28 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹6,853 | Waived (₹0) | +₹6,853 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹5,747 | Waived (₹0) | +₹5,747 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹5,640 | Waived (₹0) | +₹5,640 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on Blinkit, Zepto, Instamart & Supermarkets?▼
Swiggy HDFC Bank Credit Card ranks #1, generating ₹86,293 gross rewards and ₹86,293 in net annual value (7.19% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Infinia Metal Edition delivering ₹54,282 net annual value. Swiggy HDFC Bank Credit Card outperforms it by ₹32,011/year.
Which credit cards should I avoid for Blinkit, Zepto, Instamart & Supermarkets?▼
All 10 seed cards earn at least base rewards on this category.
Will the annual fee of the winning card be waived?▼
For Swiggy HDFC Bank Credit Card at ₹1,200,000 annual spend, the fee is waived (₹0 effective fee).