Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹150,000 Monthly Flights, Hotels & IRCTC Trains Spend
Top-rated credit cards for ₹150,000/mo spent on Flights, Hotels & IRCTC Trains. #1 HDFC Infinia Metal Edition yields ₹190,946 net annual value (10.61% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver7.27% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹1,30,946
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 | 16.5% | ₹1,90,946 | Waived (₹0) | +₹1,90,946 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 16.5% | ₹1,30,946 | Waived (₹0) | +₹1,30,946 | Apply → |
| #3 | Axis Bank Magnus Credit CardAxis Bank | 12% | ₹1,41,245 | ₹14,750 | +₹1,26,495 | Apply → |
| #4 | Axis Bank Atlas Credit CardAxis Bank | 10% | ₹1,27,409 | ₹5,900 | +₹1,21,509 | Apply → |
| #5 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹79,924 | Waived (₹0) | +₹79,924 | Apply → |
| #6 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹76,148 | Waived (₹0) | +₹76,148 | Apply → |
| #7 | Flipkart Axis Bank Credit CardAxis Bank | 5% | ₹69,496 | Waived (₹0) | +₹69,496 | Apply → |
| #8 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹69,124 | Waived (₹0) | +₹69,124 | Apply → |
| #9 | SBI Cashback Credit CardSBI Card | 5% | ₹61,174 | Waived (₹0) | +₹61,174 | Apply → |
| #10 | HDFC Regalia Gold Credit CardHDFC Bank | 6.66% | ₹53,621 | Waived (₹0) | +₹53,621 | Apply → |
| #11 | Swiggy HDFC Bank Credit CardHDFC Bank | 1% | ₹38,974 | Waived (₹0) | +₹38,974 | Apply → |
| #12 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹37,291 | Waived (₹0) | +₹37,291 | Apply → |
| #13 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹36,939 | Waived (₹0) | +₹36,939 | Apply → |
| #14 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹34,304 | Waived (₹0) | +₹34,304 | Apply → |
| #15 | IndusInd Bank Tiger Credit CardIndusInd Bank | 2.4% | ₹32,674 | Waived (₹0) | +₹32,674 | Apply → |
| #16 | SBI SimplyCLICK Credit CardSBI Card | 2.5% | ₹30,626 | Waived (₹0) | +₹30,626 | Apply → |
| #17 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹28,930 | Waived (₹0) | +₹28,930 | Apply → |
| #18 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹26,641 | Waived (₹0) | +₹26,641 | Apply → |
| #19 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹25,878 | Waived (₹0) | +₹25,878 | Apply → |
| #20 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹19,487 | Waived (₹0) | +₹19,487 | Apply → |
| #21 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹15,828 | Waived (₹0) | +₹15,828 | Apply → |
| #22 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹15,339 | Waived (₹0) | +₹15,339 | Apply → |
| #23 | OneCard Metal Credit CardFederal Bank | 1% | ₹14,979 | Waived (₹0) | +₹14,979 | Apply → |
| #24 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹14,504 | Waived (₹0) | +₹14,504 | Apply → |
| #25 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹14,478 | Waived (₹0) | +₹14,478 | Apply → |
| #26 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹14,113 | Waived (₹0) | +₹14,113 | Apply → |
| #27 | ICICI Bank Sapphiro Credit CardICICI Bank | 1% | ₹13,559 | Waived (₹0) | +₹13,559 | Apply → |
| #28 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹13,158 | Waived (₹0) | +₹13,158 | Apply → |
| #29 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹12,561 | Waived (₹0) | +₹12,561 | Apply → |
| #30 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹8,628 | Waived (₹0) | +₹8,628 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹150,000/month spent on Flights, Hotels & IRCTC Trains?▼
HDFC Infinia Metal Edition ranks #1, generating ₹190,946 gross rewards and ₹190,946 in net annual value (10.61% 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 ₹130,946 net annual value. HDFC Infinia Metal Edition outperforms it by ₹60,000/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 ₹1,800,000 annual spend, the fee is waived (₹0 effective fee).