Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹50,000 Monthly Swiggy, Zomato & Dining Out Spend
Top-rated credit cards for ₹50,000/mo spent on Swiggy, Zomato & Dining Out. #1 HDFC Diners Club Black Metal Edition yields ₹26,402 net annual value (4.4% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold4.4% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹26,402
Full 10-Card Ranked Standings (@ ₹50,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Diners Club Black Metal EditionHDFC Bank | 6.66% | ₹38,202 | ₹11,800 | +₹26,402 | Apply → |
| #2 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹24,764 | Waived (₹0) | +₹24,764 | Apply → |
| #3 | SBI Cashback Credit CardSBI Card | 5% | ₹24,273 | Waived (₹0) | +₹24,273 | Apply → |
| #4 | HDFC Infinia Metal EditionHDFC Bank | 6.66% | ₹38,202 | ₹14,750 | +₹23,452 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹22,132 | Waived (₹0) | +₹22,132 | Apply → |
| #6 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹20,489 | Waived (₹0) | +₹20,489 | Apply → |
| #7 | Flipkart Axis Bank Credit CardAxis Bank | 4% | ₹19,582 | Waived (₹0) | +₹19,582 | Apply → |
| #8 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹22,861 | ₹5,899 | +₹16,962 | Apply → |
| #9 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹22,036 | ₹5,900 | +₹16,136 | Apply → |
| #10 | HSBC Live+ Credit CardHSBC India | 10% | ₹14,455 | Waived (₹0) | +₹14,455 | Apply → |
| #11 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹13,718 | Waived (₹0) | +₹13,718 | Apply → |
| #12 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹13,036 | Waived (₹0) | +₹13,036 | Apply → |
| #13 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹12,873 | Waived (₹0) | +₹12,873 | Apply → |
| #14 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹12,852 | Waived (₹0) | +₹12,852 | Apply → |
| #15 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹12,314 | Waived (₹0) | +₹12,314 | Apply → |
| #16 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹12,305 | Waived (₹0) | +₹12,305 | Apply → |
| #17 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹11,673 | Waived (₹0) | +₹11,673 | Apply → |
| #18 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹10,282 | Waived (₹0) | +₹10,282 | Apply → |
| #19 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹9,791 | Waived (₹0) | +₹9,791 | Apply → |
| #20 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹9,404 | Waived (₹0) | +₹9,404 | Apply → |
| #21 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹9,055 | Waived (₹0) | +₹9,055 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹7,309 | Waived (₹0) | +₹7,309 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹6,805 | Waived (₹0) | +₹6,805 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹6,545 | Waived (₹0) | +₹6,545 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹5,243 | Waived (₹0) | +₹5,243 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹5,073 | Waived (₹0) | +₹5,073 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 1% | ₹4,947 | Waived (₹0) | +₹4,947 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 1% | ₹4,507 | Waived (₹0) | +₹4,507 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹2,816 | Waived (₹0) | +₹2,816 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹14,531 | ₹14,750 | +-₹219 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹50,000/month spent on Swiggy, Zomato & Dining Out?▼
HDFC Diners Club Black Metal Edition ranks #1, generating ₹38,202 gross rewards and ₹26,402 in net annual value (4.4% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is Swiggy HDFC Bank Credit Card delivering ₹24,764 net annual value. HDFC Diners Club Black Metal Edition outperforms it by ₹1,638/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 Diners Club Black Metal Edition at ₹600,000 annual spend, the fee is ₹11,800 after 18% GST.