Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹150,000 Monthly House Rent & School/College Fees Spend
Top-rated credit cards for ₹150,000/mo spent on House Rent & School/College Fees. #1 HDFC Infinia Metal Edition yields ₹45,590 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+₹45,590
🥉 Rank #3 Bronze1.56% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹28,137
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 | 0% Excluded | ₹45,590 | Waived (₹0) | +₹45,590 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 0% Excluded | ₹45,590 | Waived (₹0) | +₹45,590 | Apply → |
| #3 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹28,137 | Waived (₹0) | +₹28,137 | Apply → |
| #4 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹27,891 | Waived (₹0) | +₹27,891 | Apply → |
| #5 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 0% Excluded | ₹24,480 | Waived (₹0) | +₹24,480 | Apply → |
| #6 | YES BANK Marquee Credit CardYES BANK | 0% Excluded | ₹22,604 | Waived (₹0) | +₹22,604 | Apply → |
| #7 | HDFC Regalia Gold Credit CardHDFC Bank | 0% Excluded | ₹22,100 | Waived (₹0) | +₹22,100 | Apply → |
| #8 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹21,979 | Waived (₹0) | +₹21,979 | Apply → |
| #9 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹20,577 | Waived (₹0) | +₹20,577 | Apply → |
| #10 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹24,859 | ₹5,900 | +₹18,959 | Apply → |
| #11 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹18,821 | Waived (₹0) | +₹18,821 | Apply → |
| #12 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹18,638 | Waived (₹0) | +₹18,638 | Apply → |
| #13 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹18,038 | Waived (₹0) | +₹18,038 | Apply → |
| #14 | Amazon Pay ICICI Bank Credit CardICICI Bank | 0% Excluded | ₹16,067 | Waived (₹0) | +₹16,067 | Apply → |
| #15 | HDFC Millennia Credit CardHDFC Bank | 0% Excluded | ₹14,425 | Waived (₹0) | +₹14,425 | Apply → |
| #16 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹12,979 | Waived (₹0) | +₹12,979 | Apply → |
| #17 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0% Excluded | ₹11,482 | Waived (₹0) | +₹11,482 | Apply → |
| #18 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹10,383 | Waived (₹0) | +₹10,383 | Apply → |
| #19 | BPCL SBI Card OCTANESBI Card | 0% Excluded | ₹9,701 | Waived (₹0) | +₹9,701 | Apply → |
| #20 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0% Excluded | ₹9,095 | Waived (₹0) | +₹9,095 | Apply → |
| #21 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹9,019 | Waived (₹0) | +₹9,019 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 0% Excluded | ₹8,943 | Waived (₹0) | +₹8,943 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0% Excluded | ₹7,996 | Waived (₹0) | +₹7,996 | Apply → |
| #24 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹7,943 | Waived (₹0) | +₹7,943 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0% Excluded | ₹5,476 | Waived (₹0) | +₹5,476 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0% Excluded | ₹5,002 | Waived (₹0) | +₹5,002 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0% Excluded | ₹4,653 | Waived (₹0) | +₹4,653 | Apply → |
| #28 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹18,553 | ₹14,750 | +₹3,803 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0% Excluded | ₹3,429 | Waived (₹0) | +₹3,429 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0% Excluded | ₹3,278 | Waived (₹0) | +₹3,278 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹150,000/month spent on House Rent & School/College Fees?▼
HDFC Infinia Metal Edition ranks #1, generating ₹45,590 gross rewards and ₹45,590 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 ₹45,590 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 ₹1,800,000 annual spend, the fee is waived (₹0 effective fee).