Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Swiggy HDFC Bank Credit Card vs HDFC Infinia Metal Edition for ₹15,000 Monthly Spend
Comparing Swiggy HDFC Bank Credit Card vs HDFC Infinia Metal Edition at ₹15,000/month. Swiggy HDFC Bank Credit Card wins, delivering ₹6,034 net annual value (3.35% ROI) vs ₹-3,922 for HDFC Infinia Metal Edition.
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₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹9,956/yr Higher Value
Swiggy HDFC Bank Credit Card
Delivers ₹6,034 net annual returns (3.35% ROI) vs -₹3,922 on HDFC Infinia Metal Edition.
Card A
Swiggy HDFC Bank Credit Card
HDFC Bank
₹6,034Net Annual Benefit
Gross Rewards:₹6,624/yr
Effective Fee (incl. GST):₹590
Net ROI on Spend:3.35%
Fee Waiver Progress (2L target):90%
Card B
HDFC Infinia Metal Edition
HDFC Bank
-₹3,922Net Annual Benefit
Gross Rewards:₹10,828/yr
Effective Fee (incl. GST):₹14,750
Net ROI on Spend:-2.18%
Fee Waiver Progress (10L target):18%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹2,160/year Extra YieldPair Swiggy HDFC Bank Credit Card + Airtel Axis Bank Credit Card
Pair Swiggy HDFC Bank Credit Card with Airtel Axis Bank Credit Card to capture up to ₹2,160/yr extra on zero-reward categories.
Routes excluded categories:Electricity, Water, Gas & Broadband Bills
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | Swiggy HDFC Bank Credit Card | HDFC Infinia Metal Edition |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹188 (5%) | ₹375 (9.99%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹23 (1%) | ₹75 (3.33%) |
| Electricity, Water, Gas & Broadband BillsUtility bill payments excluded from earning cashback | ₹1,800/mo | 0% Excluded | ₹60 (3.33%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹180 (10%) | ₹120 (6.66%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹150 (10%) | ₹50 (3.33%) |
| Petrol & Diesel at Fuel StationsFuel spends excluded from cashback; 1% surcharge waiver up to ₹250/mo | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹12 (1%) | ₹198 (16.5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | 0% Excluded | ₹25 (3.33%) |
| House Rent & School/College FeesRent and education payments excluded from earning cashback | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (1%) | ₹0 (3.33%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹1,80,000/yr | +₹6,034 | +-₹3,922 |
Frequently Asked Questions
Which card is better between Swiggy HDFC Bank Credit Card and HDFC Infinia Metal Edition for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), Swiggy HDFC Bank Credit Card mathematically outperforms HDFC Infinia Metal Edition by ₹9,956/year. Swiggy HDFC Bank Credit Card delivers ₹6,034 net annual benefit (3.35% effective yield), while HDFC Infinia Metal Edition returns ₹-3,922 (-2.18% effective yield).
Will the annual fee be waived at ₹15,000 monthly spend?▼
On an annual spend of ₹180,000: Swiggy HDFC Bank Credit Card annual fee is payable at ₹590 (incl. 18% GST). HDFC Infinia Metal Edition annual fee is payable at ₹14,750 (incl. 18% GST).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Swiggy HDFC Bank Credit Card loses ₹0/year to monthly cashback caps, while HDFC Infinia Metal Edition loses ₹0/year. Swiggy HDFC Bank Credit Card remains uncapped at this spend. HDFC Infinia Metal Edition remains uncapped at this spend.
What is the breakeven monthly spend between Swiggy HDFC Bank Credit Card and HDFC Infinia Metal Edition?▼
The calculated crossover breakeven spend is ₹53,000/month, where higher-fee benefits overtake the lower-fee option.