Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹150,000 Monthly Blinkit, Zepto, Instamart & Supermarkets Spend
Top-rated credit cards for ₹150,000/mo spent on Blinkit, Zepto, Instamart & Supermarkets. #1 Swiggy HDFC Bank Credit Card yields ₹129,440 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+₹81,422
Full 10-Card Ranked Standings (@ ₹1,50,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹1,29,440 | Waived (₹0) | +₹1,29,440 | Apply → |
| #2 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹81,422 | Waived (₹0) | +₹81,422 | Apply → |
| #3 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹81,422 | Waived (₹0) | +₹81,422 | Apply → |
| #4 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹79,700 | Waived (₹0) | +₹79,700 | Apply → |
| #5 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹75,840 | Waived (₹0) | +₹75,840 | Apply → |
| #6 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹68,860 | Waived (₹0) | +₹68,860 | Apply → |
| #7 | SBI Cashback Credit CardSBI Card | 5% | ₹61,200 | Waived (₹0) | +₹61,200 | Apply → |
| #8 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹66,240 | ₹5,900 | +₹60,340 | Apply → |
| #9 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹36,628 | Waived (₹0) | +₹36,628 | Apply → |
| #10 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹35,240 | Waived (₹0) | +₹35,240 | Apply → |
| #11 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹29,520 | Waived (₹0) | +₹29,520 | Apply → |
| #12 | Flipkart Axis Bank Credit CardAxis Bank | 1% | ₹29,040 | Waived (₹0) | +₹29,040 | Apply → |
| #13 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹43,584 | ₹14,750 | +₹28,834 | Apply → |
| #14 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 1.5% | ₹27,120 | Waived (₹0) | +₹27,120 | Apply → |
| #15 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹26,960 | Waived (₹0) | +₹26,960 | Apply → |
| #16 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹26,700 | Waived (₹0) | +₹26,700 | Apply → |
| #17 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹25,920 | Waived (₹0) | +₹25,920 | Apply → |
| #18 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹21,940 | Waived (₹0) | +₹21,940 | Apply → |
| #19 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹20,440 | Waived (₹0) | +₹20,440 | Apply → |
| #20 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹19,600 | Waived (₹0) | +₹19,600 | Apply → |
| #21 | HSBC Live+ Credit CardHSBC India | 10% | ₹19,200 | Waived (₹0) | +₹19,200 | Apply → |
| #22 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹18,840 | Waived (₹0) | +₹18,840 | Apply → |
| #23 | OneCard Metal Credit CardFederal Bank | 1% | ₹14,912 | Waived (₹0) | +₹14,912 | Apply → |
| #24 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹14,560 | Waived (₹0) | +₹14,560 | Apply → |
| #25 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹14,160 | Waived (₹0) | +₹14,160 | Apply → |
| #26 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.75% | ₹13,280 | Waived (₹0) | +₹13,280 | Apply → |
| #27 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹12,384 | Waived (₹0) | +₹12,384 | Apply → |
| #28 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹10,280 | Waived (₹0) | +₹10,280 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹8,620 | Waived (₹0) | +₹8,620 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹8,460 | Waived (₹0) | +₹8,460 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹150,000/month spent on Blinkit, Zepto, Instamart & Supermarkets?▼
Swiggy HDFC Bank Credit Card ranks #1, generating ₹129,440 gross rewards and ₹129,440 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 ₹81,422 net annual value. Swiggy HDFC Bank Credit Card outperforms it by ₹48,018/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 ₹1,800,000 annual spend, the fee is waived (₹0 effective fee).