Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹50,000 Monthly Blinkit, Zepto, Instamart & Supermarkets Spend
Top-rated credit cards for ₹50,000/mo spent on Blinkit, Zepto, Instamart & Supermarkets. #1 Swiggy HDFC Bank Credit Card yields ₹43,147 net annual value (7.19% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver4.43% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹26,567
🥉 Rank #3 Bronze4.21% ROI
Tata Neu Infinity HDFC Credit Card
HDFC Bank
Net Annual Value+₹25,280
Full 10-Card Ranked Standings (@ ₹50,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹43,147 | Waived (₹0) | +₹43,147 | Apply → |
| #2 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹26,567 | Waived (₹0) | +₹26,567 | Apply → |
| #3 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹25,280 | Waived (₹0) | +₹25,280 | Apply → |
| #4 | SBI Cashback Credit CardSBI Card | 5% | ₹24,400 | Waived (₹0) | +₹24,400 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹22,240 | Waived (₹0) | +₹22,240 | Apply → |
| #6 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹22,953 | ₹5,899 | +₹17,054 | Apply → |
| #7 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹22,080 | ₹5,900 | +₹16,180 | Apply → |
| #8 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹27,141 | ₹11,800 | +₹15,341 | Apply → |
| #9 | HSBC Live+ Credit CardHSBC India | 10% | ₹14,400 | Waived (₹0) | +₹14,400 | Apply → |
| #10 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹13,480 | Waived (₹0) | +₹13,480 | Apply → |
| #11 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹12,900 | Waived (₹0) | +₹12,900 | Apply → |
| #12 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹12,853 | Waived (₹0) | +₹12,853 | Apply → |
| #13 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹27,141 | ₹14,750 | +₹12,391 | Apply → |
| #14 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹12,209 | Waived (₹0) | +₹12,209 | Apply → |
| #15 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹11,747 | Waived (₹0) | +₹11,747 | Apply → |
| #16 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹10,320 | Waived (₹0) | +₹10,320 | Apply → |
| #17 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹9,840 | Waived (₹0) | +₹9,840 | Apply → |
| #18 | Flipkart Axis Bank Credit CardAxis Bank | 1% | ₹9,680 | Waived (₹0) | +₹9,680 | Apply → |
| #19 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 1.5% | ₹9,040 | Waived (₹0) | +₹9,040 | Apply → |
| #20 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹8,987 | Waived (₹0) | +₹8,987 | Apply → |
| #21 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹7,313 | Waived (₹0) | +₹7,313 | Apply → |
| #22 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹6,813 | Waived (₹0) | +₹6,813 | Apply → |
| #23 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹6,533 | Waived (₹0) | +₹6,533 | Apply → |
| #24 | OneCard Metal Credit CardFederal Bank | 1% | ₹4,971 | Waived (₹0) | +₹4,971 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.75% | ₹4,427 | Waived (₹0) | +₹4,427 | Apply → |
| #26 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹4,128 | Waived (₹0) | +₹4,128 | Apply → |
| #27 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹3,427 | Waived (₹0) | +₹3,427 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹2,873 | Waived (₹0) | +₹2,873 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹2,820 | Waived (₹0) | +₹2,820 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹14,528 | ₹14,750 | +-₹222 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹50,000/month spent on Blinkit, Zepto, Instamart & Supermarkets?▼
Swiggy HDFC Bank Credit Card ranks #1, generating ₹43,147 gross rewards and ₹43,147 in net annual value (7.19% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is Myntra Kotak Credit Card delivering ₹26,567 net annual value. Swiggy HDFC Bank Credit Card outperforms it by ₹16,580/year.
Which credit cards should I avoid for Blinkit, Zepto, Instamart & Supermarkets?▼
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 ₹600,000 annual spend, the fee is waived (₹0 effective fee).