On ₹1,20,000 a month on cards, with points redeemed for flights and hotels on the bank's travel site, which is where premium cards pay most, the card that returns the most is HDFC Bank Diners Club Black Metal Edition Credit Card: about ₹39,159 a year after its fee, which is 2.73% of what you put on cards. HDFC Bank Infinia Credit Card comes next at ₹39,159. The middle card out of the 177 we could score returns ₹9,641, so the choice matters.
How this was worked out: ₹1,20,000 a month on cards, with points redeemed for flights and hotels on the bank's travel site, which is where premium cards pay most. Figures are what each card returns in a year after its annual fee, read from the banks' own pages, last on 2026-09-30.
Your spending is not this spending. Put in your own numbers and the ranking re-sorts for you, with the working shown for every card.
On ₹1,20,000 a month on cards, with points redeemed for flights and hotels on the bank's travel site, which is where premium cards pay most, SahiCard ranks HDFC Bank Diners Club Black Metal Edition Credit Card first, returning about ₹39,159 a year after fees. Your own spending split can change the order, so check it on your numbers.
SahiCard takes each card's reward rates, monthly caps, excluded categories, foreign currency markup and annual fee from the bank's own pages and terms, applies them to the spending above, and shows the rupees left in a year. Cards are read from the banks' pages, last on 2026-09-30.
Probably, a little. Caps and bonus rates depend on where you spend, not just how much. Put in your own monthly spend by category on SahiCard to see your ranking.
No. SahiCard is independent: no bank pays us, sponsors us or sees what you type. The ranking is only the arithmetic.
No. It is information worked out from each bank's published terms. Eligibility, approval and offers are set by the bank, so check the bank's own page before you apply.