Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly Flights, Hotels & IRCTC Trains Spend
Top-rated credit cards for ₹100,000/mo spent on Flights, Hotels & IRCTC Trains. #1 HDFC Infinia Metal Edition yields ₹143,297 net annual value (11.94% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver10.61% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹1,27,297
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 | 16.5% | ₹1,43,297 | Waived (₹0) | +₹1,43,297 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 16.5% | ₹1,27,297 | Waived (₹0) | +₹1,27,297 | Apply → |
| #3 | Axis Bank Magnus Credit CardAxis Bank | 12% | ₹94,163 | ₹14,750 | +₹79,413 | Apply → |
| #4 | Axis Bank Atlas Credit CardAxis Bank | 10% | ₹84,939 | ₹5,900 | +₹79,039 | Apply → |
| #5 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹53,283 | Waived (₹0) | +₹53,283 | Apply → |
| #6 | HDFC Regalia Gold Credit CardHDFC Bank | 6.66% | ₹51,747 | Waived (₹0) | +₹51,747 | Apply → |
| #7 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹50,765 | Waived (₹0) | +₹50,765 | Apply → |
| #8 | SBI Cashback Credit CardSBI Card | 5% | ₹49,043 | Waived (₹0) | +₹49,043 | Apply → |
| #9 | Flipkart Axis Bank Credit CardAxis Bank | 5% | ₹46,330 | Waived (₹0) | +₹46,330 | Apply → |
| #10 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹46,083 | Waived (₹0) | +₹46,083 | Apply → |
| #11 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹26,348 | Waived (₹0) | +₹26,348 | Apply → |
| #12 | Swiggy HDFC Bank Credit CardHDFC Bank | 1% | ₹25,983 | Waived (₹0) | +₹25,983 | Apply → |
| #13 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹25,761 | Waived (₹0) | +₹25,761 | Apply → |
| #14 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹25,252 | Waived (₹0) | +₹25,252 | Apply → |
| #15 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹24,861 | Waived (₹0) | +₹24,861 | Apply → |
| #16 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹24,626 | Waived (₹0) | +₹24,626 | Apply → |
| #17 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹23,504 | Waived (₹0) | +₹23,504 | Apply → |
| #18 | SBI SimplyCLICK Credit CardSBI Card | 2.5% | ₹23,113 | Waived (₹0) | +₹23,113 | Apply → |
| #19 | IndusInd Bank Tiger Credit CardIndusInd Bank | 2.4% | ₹21,783 | Waived (₹0) | +₹21,783 | Apply → |
| #20 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹13,670 | Waived (₹0) | +₹13,670 | Apply → |
| #21 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,409 | Waived (₹0) | +₹13,409 | Apply → |
| #22 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹12,991 | Waived (₹0) | +₹12,991 | Apply → |
| #23 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹12,772 | Waived (₹0) | +₹12,772 | Apply → |
| #24 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹10,552 | Waived (₹0) | +₹10,552 | Apply → |
| #25 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹10,226 | Waived (₹0) | +₹10,226 | Apply → |
| #26 | OneCard Metal Credit CardFederal Bank | 1% | ₹9,986 | Waived (₹0) | +₹9,986 | Apply → |
| #27 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹9,652 | Waived (₹0) | +₹9,652 | Apply → |
| #28 | ICICI Bank Sapphiro Credit CardICICI Bank | 1% | ₹9,039 | Waived (₹0) | +₹9,039 | Apply → |
| #29 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹8,374 | Waived (₹0) | +₹8,374 | Apply → |
| #30 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹5,752 | Waived (₹0) | +₹5,752 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on Flights, Hotels & IRCTC Trains?▼
HDFC Infinia Metal Edition ranks #1, generating ₹143,297 gross rewards and ₹143,297 in net annual value (11.94% 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 ₹127,297 net annual value. HDFC Infinia Metal Edition outperforms it by ₹16,000/year.
Which credit cards should I avoid for Flights, Hotels & IRCTC Trains?▼
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).