Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly Swiggy, Zomato & Dining Out Spend
Top-rated credit cards for ₹75,000/mo spent on Swiggy, Zomato & Dining Out. #1 HDFC Diners Club Black Metal Edition yields ₹57,303 net annual value (6.37% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold6.37% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹57,303
Full 10-Card Ranked Standings (@ ₹75,000/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% | ₹57,303 | Waived (₹0) | +₹57,303 | Apply → |
| #2 | HDFC Infinia Metal EditionHDFC Bank | 6.66% | ₹57,303 | ₹14,750 | +₹42,553 | Apply → |
| #3 | SBI Cashback Credit CardSBI Card | 5% | ₹36,409 | Waived (₹0) | +₹36,409 | Apply → |
| #4 | Flipkart Axis Bank Credit CardAxis Bank | 4% | ₹29,373 | Waived (₹0) | +₹29,373 | Apply → |
| #5 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹34,292 | ₹5,899 | +₹28,393 | Apply → |
| #6 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹28,145 | Waived (₹0) | +₹28,145 | Apply → |
| #7 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹33,055 | ₹5,900 | +₹27,155 | Apply → |
| #8 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹24,982 | Waived (₹0) | +₹24,982 | Apply → |
| #9 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹24,733 | Waived (₹0) | +₹24,733 | Apply → |
| #10 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹20,577 | Waived (₹0) | +₹20,577 | Apply → |
| #11 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹19,278 | Waived (₹0) | +₹19,278 | Apply → |
| #12 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹18,470 | Waived (₹0) | +₹18,470 | Apply → |
| #13 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹18,458 | Waived (₹0) | +₹18,458 | Apply → |
| #14 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹17,509 | Waived (₹0) | +₹17,509 | Apply → |
| #15 | HSBC Live+ Credit CardHSBC India | 10% | ₹15,682 | Waived (₹0) | +₹15,682 | Apply → |
| #16 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹15,055 | Waived (₹0) | +₹15,055 | Apply → |
| #17 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹14,686 | Waived (₹0) | +₹14,686 | Apply → |
| #18 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹13,582 | Waived (₹0) | +₹13,582 | Apply → |
| #19 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹13,309 | Waived (₹0) | +₹13,309 | Apply → |
| #20 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,105 | Waived (₹0) | +₹13,105 | Apply → |
| #21 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹12,605 | Waived (₹0) | +₹12,605 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹10,964 | Waived (₹0) | +₹10,964 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹10,207 | Waived (₹0) | +₹10,207 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹9,818 | Waived (₹0) | +₹9,818 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹7,865 | Waived (₹0) | +₹7,865 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹7,609 | Waived (₹0) | +₹7,609 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 1% | ₹7,421 | Waived (₹0) | +₹7,421 | Apply → |
| #28 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹21,796 | ₹14,750 | +₹7,046 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 1% | ₹6,760 | Waived (₹0) | +₹6,760 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹4,224 | Waived (₹0) | +₹4,224 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on Swiggy, Zomato & Dining Out?▼
HDFC Diners Club Black Metal Edition ranks #1, generating ₹57,303 gross rewards and ₹57,303 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 Infinia Metal Edition delivering ₹42,553 net annual value. HDFC Diners Club Black Metal Edition outperforms it by ₹14,750/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 ₹900,000 annual spend, the fee is waived (₹0 effective fee).