Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹150,000 Monthly Swiggy, Zomato & Dining Out Spend
Top-rated credit cards for ₹150,000/mo spent on Swiggy, Zomato & Dining Out. #1 HDFC Infinia Metal Edition yields ₹114,605 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+₹1,14,605
Full 10-Card Ranked Standings (@ ₹1,50,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 6.66% | ₹1,14,605 | Waived (₹0) | +₹1,14,605 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 6.66% | ₹1,14,605 | Waived (₹0) | +₹1,14,605 | Apply → |
| #3 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹68,584 | Waived (₹0) | +₹68,584 | Apply → |
| #4 | SBI Cashback Credit CardSBI Card | 5% | ₹61,227 | Waived (₹0) | +₹61,227 | Apply → |
| #5 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹66,109 | ₹5,900 | +₹60,209 | Apply → |
| #6 | Flipkart Axis Bank Credit CardAxis Bank | 4% | ₹58,745 | Waived (₹0) | +₹58,745 | Apply → |
| #7 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹41,155 | Waived (₹0) | +₹41,155 | Apply → |
| #8 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹38,291 | Waived (₹0) | +₹38,291 | Apply → |
| #9 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹37,466 | Waived (₹0) | +₹37,466 | Apply → |
| #10 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹36,941 | Waived (₹0) | +₹36,941 | Apply → |
| #11 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹36,916 | Waived (₹0) | +₹36,916 | Apply → |
| #12 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹35,018 | Waived (₹0) | +₹35,018 | Apply → |
| #13 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹29,373 | Waived (₹0) | +₹29,373 | Apply → |
| #14 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹43,593 | ₹14,750 | +₹28,843 | Apply → |
| #15 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹27,164 | Waived (₹0) | +₹27,164 | Apply → |
| #16 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹26,761 | Waived (₹0) | +₹26,761 | Apply → |
| #17 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹25,964 | Waived (₹0) | +₹25,964 | Apply → |
| #18 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹21,927 | Waived (₹0) | +₹21,927 | Apply → |
| #19 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹20,414 | Waived (₹0) | +₹20,414 | Apply → |
| #20 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹19,636 | Waived (₹0) | +₹19,636 | Apply → |
| #21 | HSBC Live+ Credit CardHSBC India | 10% | ₹19,364 | Waived (₹0) | +₹19,364 | Apply → |
| #22 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹18,927 | Waived (₹0) | +₹18,927 | Apply → |
| #23 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹15,730 | Waived (₹0) | +₹15,730 | Apply → |
| #24 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹15,218 | Waived (₹0) | +₹15,218 | Apply → |
| #25 | OneCard Metal Credit CardFederal Bank | 1% | ₹14,842 | Waived (₹0) | +₹14,842 | Apply → |
| #26 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹14,618 | Waived (₹0) | +₹14,618 | Apply → |
| #27 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹14,209 | Waived (₹0) | +₹14,209 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 1% | ₹13,520 | Waived (₹0) | +₹13,520 | Apply → |
| #29 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹13,211 | Waived (₹0) | +₹13,211 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹8,448 | Waived (₹0) | +₹8,448 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹150,000/month spent on Swiggy, Zomato & Dining Out?▼
HDFC Infinia Metal Edition ranks #1, generating ₹114,605 gross rewards and ₹114,605 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 ₹114,605 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 ₹1,800,000 annual spend, the fee is waived (₹0 effective fee).