Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly Flights, Hotels & IRCTC Trains Spend
Top-rated credit cards for ₹75,000/mo spent on Flights, Hotels & IRCTC Trains. #1 HDFC Diners Club Black Metal Edition yields ₹107,473 net annual value (11.94% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold11.94% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹1,07,473
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 | 16.5% | ₹1,07,473 | Waived (₹0) | +₹1,07,473 | Apply → |
| #2 | HDFC Infinia Metal EditionHDFC Bank | 16.5% | ₹1,07,473 | ₹14,750 | +₹92,723 | Apply → |
| #3 | Axis Bank Atlas Credit CardAxis Bank | 10% | ₹63,704 | ₹5,900 | +₹57,804 | Apply → |
| #4 | Axis Bank Magnus Credit CardAxis Bank | 12% | ₹70,623 | ₹14,750 | +₹55,873 | Apply → |
| #5 | HDFC Regalia Gold Credit CardHDFC Bank | 6.66% | ₹45,290 | Waived (₹0) | +₹45,290 | Apply → |
| #6 | Myntra Kotak Credit CardKotak Mahindra Bank | 5% | ₹39,962 | Waived (₹0) | +₹39,962 | Apply → |
| #7 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹38,074 | Waived (₹0) | +₹38,074 | Apply → |
| #8 | SBI Cashback Credit CardSBI Card | 5% | ₹36,783 | Waived (₹0) | +₹36,783 | Apply → |
| #9 | Flipkart Axis Bank Credit CardAxis Bank | 5% | ₹34,748 | Waived (₹0) | +₹34,748 | Apply → |
| #10 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹34,562 | ₹5,899 | +₹28,663 | Apply → |
| #11 | American Express Membership Rewards Credit CardAmerican Express | 4.5% | ₹24,939 | Waived (₹0) | +₹24,939 | Apply → |
| #12 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹19,761 | Waived (₹0) | +₹19,761 | Apply → |
| #13 | Swiggy HDFC Bank Credit CardHDFC Bank | 1% | ₹19,487 | Waived (₹0) | +₹19,487 | Apply → |
| #14 | Ixigo AU Credit CardAU Small Finance Bank | 2.5% | ₹19,418 | Waived (₹0) | +₹19,418 | Apply → |
| #15 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹18,646 | Waived (₹0) | +₹18,646 | Apply → |
| #16 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹18,574 | Waived (₹0) | +₹18,574 | Apply → |
| #17 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹18,470 | Waived (₹0) | +₹18,470 | Apply → |
| #18 | SBI SimplyCLICK Credit CardSBI Card | 2.5% | ₹17,335 | Waived (₹0) | +₹17,335 | Apply → |
| #19 | IndusInd Bank Tiger Credit CardIndusInd Bank | 2.4% | ₹16,337 | Waived (₹0) | +₹16,337 | Apply → |
| #20 | HDFC Millennia Credit CardHDFC Bank | 5% | ₹13,252 | Waived (₹0) | +₹13,252 | Apply → |
| #21 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,057 | Waived (₹0) | +₹13,057 | Apply → |
| #22 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 2% | ₹12,579 | Waived (₹0) | +₹12,579 | Apply → |
| #23 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹9,743 | Waived (₹0) | +₹9,743 | Apply → |
| #24 | IndusInd Bank Legend Credit CardIndusInd Bank | 1% | ₹7,914 | Waived (₹0) | +₹7,914 | Apply → |
| #25 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹7,670 | Waived (₹0) | +₹7,670 | Apply → |
| #26 | OneCard Metal Credit CardFederal Bank | 1% | ₹7,490 | Waived (₹0) | +₹7,490 | Apply → |
| #27 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹7,239 | Waived (₹0) | +₹7,239 | Apply → |
| #28 | ICICI Bank Sapphiro Credit CardICICI Bank | 1% | ₹6,779 | Waived (₹0) | +₹6,779 | Apply → |
| #29 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹6,280 | Waived (₹0) | +₹6,280 | Apply → |
| #30 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹4,314 | Waived (₹0) | +₹4,314 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on Flights, Hotels & IRCTC Trains?▼
HDFC Diners Club Black Metal Edition ranks #1, generating ₹107,473 gross rewards and ₹107,473 in net annual value (11.94% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Infinia Metal Edition delivering ₹92,723 net annual value. HDFC Diners Club Black Metal Edition outperforms it by ₹14,750/year.
Which credit cards should I avoid for Flights, Hotels & IRCTC Trains?▼
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).