Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹200,000 Monthly Flights, Hotels & IRCTC Trains Spend
Top-rated credit cards for ₹200,000/mo spent on Flights, Hotels & IRCTC Trains. #1 HDFC Infinia Metal Edition yields ₹194,594 net annual value (8.11% ROI). Compare full 10-card leaderboard.
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 | 16.5% | ₹1,94,594 | Waived (₹0) | +₹1,94,594 | Apply → |
| #2 | Axis Bank Magnus Credit CardAxis Bank | 12% | ₹1,59,527 | ₹14,750 | +₹1,44,777 | Apply → |
| #3 | Axis Bank Atlas Credit CardAxis Bank | 10% | ₹1,45,878 | ₹5,900 | +₹1,39,978 | Apply → |
| #4 | HDFC Diners Club Black Metal EditionHDFC Bank | 16.5% | ₹1,34,594 | Waived (₹0) | +₹1,34,594 | Apply → |
| #5 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹1,05,000 | Waived (₹0) | +₹1,05,000 | Apply → |
| #6 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹1,01,530 | Waived (₹0) | +₹1,01,530 | Apply → |
| #7 | Flipkart Axis Bank Credit CardAxis Bank | 5% | ₹92,661 | Waived (₹0) | +₹92,661 | Apply → |
| #8 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹92,165 | Waived (₹0) | +₹92,165 | Apply → |
| #9 | SBI Cashback Credit CardSBI Card | 5% | ₹61,565 | Waived (₹0) | +₹61,565 | Apply → |
| #10 | HDFC Regalia Gold Credit CardHDFC Bank | 6.66% | ₹55,494 | Waived (₹0) | +₹55,494 | Apply → |
| #11 | Swiggy HDFC Bank Credit CardHDFC Bank | 1% | ₹51,965 | Waived (₹0) | +₹51,965 | Apply → |
| #12 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹49,722 | Waived (₹0) | +₹49,722 | Apply → |
| #13 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹49,252 | Waived (₹0) | +₹49,252 | Apply → |
| #14 | IndusInd Bank Tiger Credit CardIndusInd Bank | 2.4% | ₹43,565 | Waived (₹0) | +₹43,565 | Apply → |
| #15 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹41,739 | Waived (₹0) | +₹41,739 | Apply → |
| #16 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹33,574 | Waived (₹0) | +₹33,574 | Apply → |
| #17 | SBI SimplyCLICK Credit CardSBI Card | 2.5% | ₹30,835 | Waived (₹0) | +₹30,835 | Apply → |
| #18 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹27,522 | Waived (₹0) | +₹27,522 | Apply → |
| #19 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹26,504 | Waived (₹0) | +₹26,504 | Apply → |
| #20 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹25,983 | Waived (₹0) | +₹25,983 | Apply → |
| #21 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹21,104 | Waived (₹0) | +₹21,104 | Apply → |
| #22 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹20,452 | Waived (₹0) | +₹20,452 | Apply → |
| #23 | OneCard Metal Credit CardFederal Bank | 1% | ₹19,972 | Waived (₹0) | +₹19,972 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹19,304 | Waived (₹0) | +₹19,304 | Apply → |
| #25 | ICICI Bank Sapphiro Credit CardICICI Bank | 1% | ₹18,078 | Waived (₹0) | +₹18,078 | Apply → |
| #26 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹16,748 | Waived (₹0) | +₹16,748 | Apply → |
| #27 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹15,339 | Waived (₹0) | +₹15,339 | Apply → |
| #28 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹14,817 | Waived (₹0) | +₹14,817 | Apply → |
| #29 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹13,544 | Waived (₹0) | +₹13,544 | Apply → |
| #30 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹11,504 | Waived (₹0) | +₹11,504 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹200,000/month spent on Flights, Hotels & IRCTC Trains?▼
HDFC Infinia Metal Edition ranks #1, generating ₹194,594 gross rewards and ₹194,594 in net annual value (8.11% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is Axis Bank Magnus Credit Card delivering ₹144,777 net annual value. HDFC Infinia Metal Edition outperforms it by ₹49,817/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 ₹2,400,000 annual spend, the fee is waived (₹0 effective fee).