Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly House Rent & School/College Fees Spend
Top-rated credit cards for ₹100,000/mo spent on House Rent & School/College Fees. #1 HDFC Infinia Metal Edition yields ₹30,393 net annual value (2.53% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver2.53% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹30,393
🥉 Rank #3 Bronze1.56% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹18,758
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 | 0% Excluded | ₹30,393 | Waived (₹0) | +₹30,393 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 0% Excluded | ₹30,393 | Waived (₹0) | +₹30,393 | Apply → |
| #3 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹18,758 | Waived (₹0) | +₹18,758 | Apply → |
| #4 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹18,594 | Waived (₹0) | +₹18,594 | Apply → |
| #5 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹16,478 | Waived (₹0) | +₹16,478 | Apply → |
| #6 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 0% Excluded | ₹16,320 | Waived (₹0) | +₹16,320 | Apply → |
| #7 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹15,663 | Waived (₹0) | +₹15,663 | Apply → |
| #8 | YES BANK Marquee Credit CardYES BANK | 0% Excluded | ₹15,069 | Waived (₹0) | +₹15,069 | Apply → |
| #9 | HDFC Regalia Gold Credit CardHDFC Bank | 0% Excluded | ₹14,733 | Waived (₹0) | +₹14,733 | Apply → |
| #10 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹14,653 | Waived (₹0) | +₹14,653 | Apply → |
| #11 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹13,718 | Waived (₹0) | +₹13,718 | Apply → |
| #12 | HDFC Millennia Credit CardHDFC Bank | 0% Excluded | ₹13,617 | Waived (₹0) | +₹13,617 | Apply → |
| #13 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹12,025 | Waived (₹0) | +₹12,025 | Apply → |
| #14 | Amazon Pay ICICI Bank Credit CardICICI Bank | 0% Excluded | ₹10,712 | Waived (₹0) | +₹10,712 | Apply → |
| #15 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹16,573 | ₹5,900 | +₹10,673 | Apply → |
| #16 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹8,653 | Waived (₹0) | +₹8,653 | Apply → |
| #17 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0% Excluded | ₹7,655 | Waived (₹0) | +₹7,655 | Apply → |
| #18 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹6,922 | Waived (₹0) | +₹6,922 | Apply → |
| #19 | BPCL SBI Card OCTANESBI Card | 0% Excluded | ₹6,467 | Waived (₹0) | +₹6,467 | Apply → |
| #20 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0% Excluded | ₹6,063 | Waived (₹0) | +₹6,063 | Apply → |
| #21 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹6,013 | Waived (₹0) | +₹6,013 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 0% Excluded | ₹5,962 | Waived (₹0) | +₹5,962 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0% Excluded | ₹5,331 | Waived (₹0) | +₹5,331 | Apply → |
| #24 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹5,295 | Waived (₹0) | +₹5,295 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0% Excluded | ₹3,651 | Waived (₹0) | +₹3,651 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0% Excluded | ₹3,335 | Waived (₹0) | +₹3,335 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0% Excluded | ₹3,102 | Waived (₹0) | +₹3,102 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0% Excluded | ₹2,286 | Waived (₹0) | +₹2,286 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0% Excluded | ₹2,185 | Waived (₹0) | +₹2,185 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹12,369 | ₹14,750 | +-₹2,381 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on House Rent & School/College Fees?▼
HDFC Infinia Metal Edition ranks #1, generating ₹30,393 gross rewards and ₹30,393 in net annual value (2.53% 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 ₹30,393 net annual value. HDFC Infinia Metal Edition outperforms it by ₹0/year.
Which credit cards should I avoid for House Rent & School/College Fees?▼
Avoid HDFC Infinia Metal Edition, HDFC Diners Club Black Metal Edition, Myntra Kotak Credit Card, as they provide 0.0% rewards on House Rent & School/College Fees due to bank category exclusions.
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).