Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹200,000 Monthly Swiggy, Zomato & Dining Out Spend
Top-rated credit cards for ₹200,000/mo spent on Swiggy, Zomato & Dining Out. #1 HDFC Infinia Metal Edition yields ₹152,807 net annual value (6.37% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver5.64% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹1,35,257
Full 10-Card Ranked Standings (@ ₹2,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 6.66% | ₹1,52,807 | Waived (₹0) | +₹1,52,807 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 6.66% | ₹1,35,257 | Waived (₹0) | +₹1,35,257 | Apply → |
| #3 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹91,445 | Waived (₹0) | +₹91,445 | Apply → |
| #4 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹88,145 | ₹5,900 | +₹82,245 | Apply → |
| #5 | Flipkart Axis Bank Credit CardAxis Bank | 4% | ₹78,327 | Waived (₹0) | +₹78,327 | Apply → |
| #6 | SBI Cashback Credit CardSBI Card | 5% | ₹61,636 | Waived (₹0) | +₹61,636 | Apply → |
| #7 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹54,873 | Waived (₹0) | +₹54,873 | Apply → |
| #8 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹49,255 | Waived (₹0) | +₹49,255 | Apply → |
| #9 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹49,222 | Waived (₹0) | +₹49,222 | Apply → |
| #10 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹46,691 | Waived (₹0) | +₹46,691 | Apply → |
| #11 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹45,055 | Waived (₹0) | +₹45,055 | Apply → |
| #12 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹43,500 | Waived (₹0) | +₹43,500 | Apply → |
| #13 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹58,124 | ₹14,750 | +₹43,374 | Apply → |
| #14 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹39,164 | Waived (₹0) | +₹39,164 | Apply → |
| #15 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹36,218 | Waived (₹0) | +₹36,218 | Apply → |
| #16 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹29,236 | Waived (₹0) | +₹29,236 | Apply → |
| #17 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹27,682 | Waived (₹0) | +₹27,682 | Apply → |
| #18 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹27,218 | Waived (₹0) | +₹27,218 | Apply → |
| #19 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹26,618 | Waived (₹0) | +₹26,618 | Apply → |
| #20 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹26,182 | Waived (₹0) | +₹26,182 | Apply → |
| #21 | HSBC Live+ Credit CardHSBC India | 10% | ₹21,818 | Waived (₹0) | +₹21,818 | Apply → |
| #22 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹20,973 | Waived (₹0) | +₹20,973 | Apply → |
| #23 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹20,291 | Waived (₹0) | +₹20,291 | Apply → |
| #24 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹20,236 | Waived (₹0) | +₹20,236 | Apply → |
| #25 | OneCard Metal Credit CardFederal Bank | 1% | ₹19,789 | Waived (₹0) | +₹19,789 | Apply → |
| #26 | ICICI Bank Coral RuPay Credit CardICICI Bank | 1% | ₹18,027 | Waived (₹0) | +₹18,027 | Apply → |
| #27 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹15,491 | Waived (₹0) | +₹15,491 | Apply → |
| #28 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹14,945 | Waived (₹0) | +₹14,945 | Apply → |
| #29 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹13,615 | Waived (₹0) | +₹13,615 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹11,264 | Waived (₹0) | +₹11,264 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹200,000/month spent on Swiggy, Zomato & Dining Out?▼
HDFC Infinia Metal Edition ranks #1, generating ₹152,807 gross rewards and ₹152,807 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 ₹135,257 net annual value. HDFC Infinia Metal Edition outperforms it by ₹17,550/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 ₹2,400,000 annual spend, the fee is waived (₹0 effective fee).