Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹30,000 Monthly Swiggy, Zomato & Dining Out Spend
Top-rated credit cards for ₹30,000/mo spent on Swiggy, Zomato & Dining Out. #1 Swiggy HDFC Bank Credit Card yields ₹22,058 net annual value (6.13% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver4.41% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹15,893
Full 10-Card Ranked Standings (@ ₹30,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹22,058 | Waived (₹0) | +₹22,058 | Apply → |
| #2 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹15,893 | Waived (₹0) | +₹15,893 | Apply → |
| #3 | SBI Cashback Credit CardSBI Card | 5% | ₹14,564 | Waived (₹0) | +₹14,564 | Apply → |
| #4 | HSBC Live+ Credit CardHSBC India | 10% | ₹13,473 | Waived (₹0) | +₹13,473 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹13,279 | Waived (₹0) | +₹13,279 | Apply → |
| #6 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹12,524 | Waived (₹0) | +₹12,524 | Apply → |
| #7 | Flipkart Axis Bank Credit CardAxis Bank | 4% | ₹11,749 | Waived (₹0) | +₹11,749 | Apply → |
| #8 | HDFC Diners Club Black Metal EditionHDFC Bank | 6.66% | ₹22,921 | ₹11,800 | +₹11,121 | Apply → |
| #9 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹10,385 | Waived (₹0) | +₹10,385 | Apply → |
| #10 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹8,231 | Waived (₹0) | +₹8,231 | Apply → |
| #11 | HDFC Infinia Metal EditionHDFC Bank | 6.66% | ₹22,921 | ₹14,750 | +₹8,171 | Apply → |
| #12 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹13,717 | ₹5,899 | +₹7,818 | Apply → |
| #13 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹7,711 | Waived (₹0) | +₹7,711 | Apply → |
| #14 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹7,388 | Waived (₹0) | +₹7,388 | Apply → |
| #15 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹13,222 | ₹5,900 | +₹7,322 | Apply → |
| #16 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹7,004 | Waived (₹0) | +₹7,004 | Apply → |
| #17 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹6,169 | Waived (₹0) | +₹6,169 | Apply → |
| #18 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹5,875 | Waived (₹0) | +₹5,875 | Apply → |
| #19 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹5,642 | Waived (₹0) | +₹5,642 | Apply → |
| #20 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹5,433 | Waived (₹0) | +₹5,433 | Apply → |
| #21 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹7,383 | ₹2,950 | +₹4,433 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹4,385 | Waived (₹0) | +₹4,385 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹4,083 | Waived (₹0) | +₹4,083 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹3,927 | Waived (₹0) | +₹3,927 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹3,146 | Waived (₹0) | +₹3,146 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹3,044 | Waived (₹0) | +₹3,044 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 1% | ₹2,968 | Waived (₹0) | +₹2,968 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 1% | ₹2,704 | Waived (₹0) | +₹2,704 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹1,690 | ₹4,130 | +-₹2,440 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹8,719 | ₹14,750 | +-₹6,031 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹30,000/month spent on Swiggy, Zomato & Dining Out?▼
Swiggy HDFC Bank Credit Card ranks #1, generating ₹22,058 gross rewards and ₹22,058 in net annual value (6.13% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is Myntra Kotak Credit Card delivering ₹15,893 net annual value. Swiggy HDFC Bank Credit Card outperforms it by ₹6,165/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 Swiggy HDFC Bank Credit Card at ₹360,000 annual spend, the fee is waived (₹0 effective fee).