Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Swiggy HDFC Bank Credit Card vs HDFC Infinia Metal Edition for ₹150,000 Monthly Spend
Comparing Swiggy HDFC Bank Credit Card vs HDFC Infinia Metal Edition at ₹150,000/month. HDFC Infinia Metal Edition wins, delivering ₹108,275 net annual value (6.02% ROI) vs ₹58,140 for Swiggy HDFC Bank Credit Card.
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₹1,50,000(₹18,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,50,000/mo+ ₹50,135/yr Higher Value
HDFC Infinia Metal Edition
Delivers ₹1,08,275 net annual returns (6.02% ROI) vs ₹58,140 on Swiggy HDFC Bank Credit Card.
Card A
Swiggy HDFC Bank Credit Card
HDFC Bank
₹58,140Net Annual Benefit
Gross Rewards:₹58,140/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:3.23%
Fee Waiver Progress (2L target):100%
⚠️ Hits monthly cashback caps: -₹8,100/yr lost
Card B
HDFC Infinia Metal Edition
HDFC Bank
₹1,08,275Net Annual Benefit
Gross Rewards:₹1,08,275/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:6.02%
Fee Waiver Progress (10L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹18,000/year Extra YieldPair HDFC Infinia Metal Edition + Airtel Axis Bank Credit Card
Pair HDFC Infinia Metal Edition with Airtel Axis Bank Credit Card to capture up to ₹18,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹1,50,000/mo)
| Spend Category | Monthly Spend | Swiggy HDFC Bank Credit Card | HDFC Infinia Metal Edition |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹37,500/mo | ₹1,500 (Capped) | ₹3,746 (9.99%) |
| Scan & Pay Merchant UPI | ₹22,500/mo | ₹225 (1%) | ₹749 (3.33%) |
| Electricity, Water, Gas & Broadband BillsUtility bill payments excluded from earning cashback | ₹18,000/mo | 0% Excluded | ₹599 (3.33%) |
| Swiggy, Zomato & Dining Out | ₹18,000/mo | ₹1,500 (Capped) | ₹1,199 (6.66%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹15,000/mo | ₹1,500 (10%) | ₹500 (3.33%) |
| Petrol & Diesel at Fuel StationsFuel spends excluded from cashback; 1% surcharge waiver up to ₹250/mo | ₹12,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹12,000/mo | ₹120 (1%) | ₹1,980 (16.5%) |
| LIC, Health & Term Insurance Premiums | ₹7,500/mo | 0% Excluded | ₹250 (3.33%) |
| House Rent & School/College FeesRent and education payments excluded from earning cashback | ₹7,500/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 | ₹18,00,000/yr | +₹58,140 | +₹1,08,275 |
Frequently Asked Questions
Which card is better between Swiggy HDFC Bank Credit Card and HDFC Infinia Metal Edition for ₹150,000/month?▼
At ₹150,000/month (₹1,800,000/year), HDFC Infinia Metal Edition mathematically outperforms Swiggy HDFC Bank Credit Card by ₹50,135/year. HDFC Infinia Metal Edition delivers ₹108,275 net annual benefit (6.02% effective yield), while Swiggy HDFC Bank Credit Card returns ₹58,140 (3.23% effective yield).
Will the annual fee be waived at ₹150,000 monthly spend?▼
On an annual spend of ₹1,800,000: Swiggy HDFC Bank Credit Card annual fee is waived (₹0). HDFC Infinia Metal Edition annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Swiggy HDFC Bank Credit Card loses ₹8,100/year to monthly cashback caps, while HDFC Infinia Metal Edition loses ₹0/year. Capped categories on Swiggy HDFC Bank Credit Card: Amazon, Flipkart & Myntra Shopping, Swiggy, Zomato & Dining Out. 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.