Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly Scan & Pay Merchant UPI Spend
Top-rated credit cards for ₹75,000/mo spent on Scan & Pay Merchant UPI. #1 HDFC Diners Club Black Metal Edition yields ₹41,343 net annual value (4.59% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold4.59% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹41,343
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 | 3.33% | ₹41,343 | Waived (₹0) | +₹41,343 | Apply → |
| #2 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹32,951 | ₹5,900 | +₹27,051 | Apply → |
| #3 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹41,343 | ₹14,750 | +₹26,593 | Apply → |
| #4 | Myntra Kotak Credit CardKotak Mahindra Bank | 1.25% | ₹21,679 | Waived (₹0) | +₹21,679 | Apply → |
| #5 | Swiggy HDFC Bank Credit CardHDFC Bank | 1% | ₹20,351 | Waived (₹0) | +₹20,351 | Apply → |
| #6 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹20,276 | Waived (₹0) | +₹20,276 | Apply → |
| #7 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹19,115 | Waived (₹0) | +₹19,115 | Apply → |
| #8 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹18,727 | Waived (₹0) | +₹18,727 | Apply → |
| #9 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹18,687 | Waived (₹0) | +₹18,687 | Apply → |
| #10 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹17,767 | Waived (₹0) | +₹17,767 | Apply → |
| #11 | YES BANK Marquee Credit CardYES BANK | 2.25% | ₹23,352 | ₹5,899 | +₹17,453 | Apply → |
| #12 | SBI Cashback Credit CardSBI Card | 1% | ₹17,047 | Waived (₹0) | +₹17,047 | Apply → |
| #13 | Flipkart Axis Bank Credit CardAxis Bank | 1% | ₹14,845 | Waived (₹0) | +₹14,845 | Apply → |
| #14 | Kiwi RuPay Credit Card with NeonAxis Bank | 2% | ₹14,569 | Waived (₹0) | +₹14,569 | Apply → |
| #15 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹13,744 | Waived (₹0) | +₹13,744 | Apply → |
| #16 | Ixigo AU Credit CardAU Small Finance Bank | 1.25% | ₹13,209 | Waived (₹0) | +₹13,209 | Apply → |
| #17 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹11,499 | Waived (₹0) | +₹11,499 | Apply → |
| #18 | Standard Chartered Smart Credit CardStandard Chartered Bank | 1% | ₹10,567 | Waived (₹0) | +₹10,567 | Apply → |
| #19 | IndusInd Bank Tiger Credit CardIndusInd Bank | 1.2% | ₹10,186 | Waived (₹0) | +₹10,186 | Apply → |
| #20 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0.75% | ₹9,990 | Waived (₹0) | +₹9,990 | Apply → |
| #21 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹7,465 | Waived (₹0) | +₹7,465 | Apply → |
| #22 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹21,803 | ₹14,750 | +₹7,053 | Apply → |
| #23 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.75% | ₹6,634 | Waived (₹0) | +₹6,634 | Apply → |
| #24 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹6,612 | Waived (₹0) | +₹6,612 | Apply → |
| #25 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹6,344 | Waived (₹0) | +₹6,344 | Apply → |
| #26 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹6,189 | Waived (₹0) | +₹6,189 | Apply → |
| #27 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹5,178 | Waived (₹0) | +₹5,178 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹4,299 | Waived (₹0) | +₹4,299 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.5% | ₹4,214 | Waived (₹0) | +₹4,214 | Apply → |
| #30 | OneCard Metal Credit CardFederal Bank | 0.2% | ₹3,553 | Waived (₹0) | +₹3,553 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on Scan & Pay Merchant UPI?▼
HDFC Diners Club Black Metal Edition ranks #1, generating ₹41,343 gross rewards and ₹41,343 in net annual value (4.59% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is Axis Bank Atlas Credit Card delivering ₹27,051 net annual value. HDFC Diners Club Black Metal Edition outperforms it by ₹14,292/year.
Which credit cards should I avoid for Scan & Pay Merchant UPI?▼
Avoid American Express Membership Rewards Credit Card, as they provide 0.0% rewards on Scan & Pay Merchant UPI due to bank category exclusions.
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).