Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly Blinkit, Zepto, Instamart & Supermarkets Spend
Top-rated credit cards for ₹75,000/mo spent on Blinkit, Zepto, Instamart & Supermarkets. #1 Swiggy HDFC Bank Credit Card yields ₹64,720 net annual value (7.19% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver4.52% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹40,711
🥉 Rank #3 Bronze4.43% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹39,850
Full 10-Card Ranked Standings (@ ₹75,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | Swiggy HDFC Bank Credit CardHDFC Bank | 10% | ₹64,720 | Waived (₹0) | +₹64,720 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹40,711 | Waived (₹0) | +₹40,711 | Apply → |
| #3 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹39,850 | Waived (₹0) | +₹39,850 | Apply → |
| #4 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹37,920 | Waived (₹0) | +₹37,920 | Apply → |
| #5 | SBI Cashback Credit CardSBI Card | 5% | ₹36,600 | Waived (₹0) | +₹36,600 | Apply → |
| #6 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹34,430 | ₹5,899 | +₹28,531 | Apply → |
| #7 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹33,120 | ₹5,900 | +₹27,220 | Apply → |
| #8 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹40,711 | ₹14,750 | +₹25,961 | Apply → |
| #9 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹24,960 | Waived (₹0) | +₹24,960 | Apply → |
| #10 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹19,350 | Waived (₹0) | +₹19,350 | Apply → |
| #11 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹18,314 | Waived (₹0) | +₹18,314 | Apply → |
| #12 | BPCL SBI Card OCTANESBI Card | 2.5% | ₹17,620 | Waived (₹0) | +₹17,620 | Apply → |
| #13 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹15,720 | Waived (₹0) | +₹15,720 | Apply → |
| #14 | HSBC Live+ Credit CardHSBC India | 10% | ₹15,600 | Waived (₹0) | +₹15,600 | Apply → |
| #15 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹14,760 | Waived (₹0) | +₹14,760 | Apply → |
| #16 | Flipkart Axis Bank Credit CardAxis Bank | 1% | ₹14,520 | Waived (₹0) | +₹14,520 | Apply → |
| #17 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 1.5% | ₹13,560 | Waived (₹0) | +₹13,560 | Apply → |
| #18 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹13,480 | Waived (₹0) | +₹13,480 | Apply → |
| #19 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹13,280 | Waived (₹0) | +₹13,280 | Apply → |
| #20 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,080 | Waived (₹0) | +₹13,080 | Apply → |
| #21 | SBI SimplyCLICK Credit CardSBI Card | 1.25% | ₹10,970 | Waived (₹0) | +₹10,970 | Apply → |
| #22 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹10,220 | Waived (₹0) | +₹10,220 | Apply → |
| #23 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 1% | ₹9,800 | Waived (₹0) | +₹9,800 | Apply → |
| #24 | OneCard Metal Credit CardFederal Bank | 1% | ₹7,456 | Waived (₹0) | +₹7,456 | Apply → |
| #25 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹21,792 | ₹14,750 | +₹7,042 | Apply → |
| #26 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.75% | ₹6,640 | Waived (₹0) | +₹6,640 | Apply → |
| #27 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹6,192 | Waived (₹0) | +₹6,192 | Apply → |
| #28 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹5,140 | Waived (₹0) | +₹5,140 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹4,310 | Waived (₹0) | +₹4,310 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹4,230 | Waived (₹0) | +₹4,230 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on Blinkit, Zepto, Instamart & Supermarkets?▼
Swiggy HDFC Bank Credit Card ranks #1, generating ₹64,720 gross rewards and ₹64,720 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 HDFC Diners Club Black Metal Edition delivering ₹40,711 net annual value. Swiggy HDFC Bank Credit Card outperforms it by ₹24,009/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 ₹900,000 annual spend, the fee is waived (₹0 effective fee).