# FinArt Credit Card Optimizer — credit card recommendations for India

> Independent credit-card comparison for India. No affiliate links, no Apply-Now
> buttons — we earn nothing from any issuer. Every card fact is verified against
> official issuer pages (dated per card) and every ranking is net annual value
> after monthly caps, category exclusions and fees — not headline rates.

Data version: 1 (generated 2026-07-18); 50 cards tracked.

## Tools
- [Card recommender wizard](https://finart.app/credit-cards): enter monthly spend, get ranked cards; "keep your current card" is a possible answer.
- [Is my annual fee worth it? — keep-or-close calculator](https://finart.app/credit-cards/tools/fee-worth-it)
- [Exclusions & reward-cap checker](https://finart.app/credit-cards/tools/exclusions): which cards exclude rent, fuel, wallet, government, EMI spend.

## Rankings
- [Best credit cards in India](https://finart.app/credit-cards/best-credit-cards-india)
- [Best Cashback Credit Cards in India](https://finart.app/credit-cards/best/cashback) (current leader: HSBC Live+ Credit Card)
- [Best Credit Cards for Fuel in India](https://finart.app/credit-cards/best/fuel) (current leader: BPCL SBI Card OCTANE)
- [Best Travel Credit Cards in India](https://finart.app/credit-cards/best/travel) (current leader: Swiggy HDFC Bank Credit Card)
- [Best Credit Cards for Online Shopping in India](https://finart.app/credit-cards/best/online-shopping) (current leader: Swiggy HDFC Bank Credit Card)
- [Best Credit Cards for Groceries in India](https://finart.app/credit-cards/best/groceries) (current leader: HSBC Live+ Credit Card)
- [Best Credit Cards for Dining & Food Delivery in India](https://finart.app/credit-cards/best/dining) (current leader: HSBC Live+ Credit Card)
- [Best Credit Cards for UPI Payments in India](https://finart.app/credit-cards/best/upi) (current leader: HDFC Bank UPI RuPay Credit Card)
- [Best Credit Cards for Airport Lounge Access in India](https://finart.app/credit-cards/best/lounge-access) (current leader: SBI Card PRIME)
- [Best No-Annual-Fee (Lifetime Free) Credit Cards in India](https://finart.app/credit-cards/best/no-annual-fee) (current leader: Scapia Federal Bank Credit Card)
- [Best First Credit Cards for Beginners in India](https://finart.app/credit-cards/best/beginners) (current leader: Swiggy HDFC Bank Credit Card)

## Best cards by monthly spend
- [Best cards for ₹15,000/month spend](https://finart.app/credit-cards/spend/15000-per-month)
- [Best cards for ₹30,000/month spend](https://finart.app/credit-cards/spend/30000-per-month)
- [Best cards for ₹60,000/month spend](https://finart.app/credit-cards/spend/60000-per-month)

## Cards (terms, caps, caveats — all verified)
- [HDFC Bank Millennia Credit Card](https://finart.app/credit-cards/hdfc-millennia) — verified 2026-07-13
- [Swiggy HDFC Bank Credit Card](https://finart.app/credit-cards/hdfc-swiggy) — verified 2026-07-13
- [HDFC Bank Regalia Gold Credit Card](https://finart.app/credit-cards/hdfc-regalia-gold) — verified 2026-07-13
- [Amazon Pay ICICI Bank Credit Card](https://finart.app/credit-cards/icici-amazon-pay) — verified 2026-07-13
- [ICICI Bank Platinum Chip Credit Card](https://finart.app/credit-cards/icici-platinum-chip) — verified 2026-07-13
- [ICICI Bank Coral Credit Card](https://finart.app/credit-cards/icici-coral) — verified 2026-07-13
- [CASHBACK SBI Card](https://finart.app/credit-cards/sbi-cashback) — verified 2026-07-13
- [SimplyCLICK SBI Card](https://finart.app/credit-cards/sbi-simplyclick) — verified 2026-07-13
- [SBI Card PRIME](https://finart.app/credit-cards/sbi-prime) — verified 2026-07-13
- [Axis Bank ACE Credit Card](https://finart.app/credit-cards/axis-ace) — verified 2026-07-13
- [Flipkart Axis Bank Credit Card](https://finart.app/credit-cards/axis-flipkart) — verified 2026-07-13
- [Axis Bank Atlas Credit Card](https://finart.app/credit-cards/axis-atlas) — verified 2026-07-13
- [Airtel Axis Bank Credit Card](https://finart.app/credit-cards/axis-airtel) — verified 2026-07-13
- [Tata Neu Infinity HDFC Bank Credit Card](https://finart.app/credit-cards/hdfc-tata-neu-infinity) — verified 2026-07-13
- [HDFC Bank Infinia Credit Card (Metal Edition)](https://finart.app/credit-cards/hdfc-infinia) — verified 2026-07-13
- [BPCL SBI Card OCTANE](https://finart.app/credit-cards/sbi-bpcl-octane) — verified 2026-07-13
- [HSBC Live+ Credit Card](https://finart.app/credit-cards/hsbc-live-plus) — verified 2026-07-13
- [American Express Membership Rewards Credit Card](https://finart.app/credit-cards/amex-mrcc) — verified 2026-07-13
- [IDFC FIRST Select Credit Card](https://finart.app/credit-cards/idfc-first-select) — verified 2026-07-13
- [SBI SimplySAVE Credit Card](https://finart.app/credit-cards/sbi-simplysave) — verified 2026-07-13
- [HDFC Bank Diners Club Privilege Credit Card](https://finart.app/credit-cards/hdfc-diners-privilege) — verified 2026-07-16
- [HDFC Bank MoneyBack+ Credit Card](https://finart.app/credit-cards/hdfc-moneyback-plus) — verified 2026-07-16
- [Axis Bank Neo Credit Card](https://finart.app/credit-cards/axis-neo) — verified 2026-07-16
- [Axis Bank My Zone Credit Card](https://finart.app/credit-cards/axis-my-zone) — verified 2026-07-16
- [HPCL Coral ICICI Bank Credit Card](https://finart.app/credit-cards/icici-hpcl-coral) — verified 2026-07-16
- [IRCTC SBI Card](https://finart.app/credit-cards/sbi-irctc) — verified 2026-07-16
- [HDFC Bank UPI RuPay Credit Card](https://finart.app/credit-cards/hdfc-upi-rupay) — verified 2026-07-16
- [HDFC Bank Freedom Credit Card](https://finart.app/credit-cards/hdfc-freedom) — verified 2026-07-16
- [IDFC FIRST Millennia Credit Card](https://finart.app/credit-cards/idfc-first-millennia) — verified 2026-07-16
- [Axis Bank Rewards Credit Card](https://finart.app/credit-cards/axis-rewards) — verified 2026-07-16
- [IndianOil Axis Bank Credit Card](https://finart.app/credit-cards/axis-indianoil) — verified 2026-07-16
- [ICICI Bank Rubyx Credit Card](https://finart.app/credit-cards/icici-rubyx) — verified 2026-07-16
- [IDFC FIRST Classic Credit Card](https://finart.app/credit-cards/idfc-first-classic) — verified 2026-07-16
- [Kotak League Platinum Credit Card](https://finart.app/credit-cards/kotak-league-platinum) — verified 2026-07-16
- [Kotak 811 Credit Card](https://finart.app/credit-cards/kotak-811) — verified 2026-07-16
- [SBI Card ELITE](https://finart.app/credit-cards/sbi-elite) — verified 2026-07-16
- [IndianOil HDFC Bank Credit Card](https://finart.app/credit-cards/hdfc-indianoil) — verified 2026-07-16
- [ICICI Bank Sapphiro Credit Card](https://finart.app/credit-cards/icici-sapphiro) — verified 2026-07-16
- [Axis Bank Privilege Credit Card](https://finart.app/credit-cards/axis-privilege) — verified 2026-07-16
- [BOBCARD Easy Credit Card](https://finart.app/credit-cards/bobcard-easy) — verified 2026-07-16
- [RBL Bank ShopRite Credit Card](https://finart.app/credit-cards/rbl-shoprite) — verified 2026-07-16
- [Paytm SBI Card](https://finart.app/credit-cards/sbi-paytm) — verified 2026-07-16
- [SBI Card Unnati](https://finart.app/credit-cards/sbi-unnati) — verified 2026-07-16
- [IndusInd Platinum Aura Edge Credit Card](https://finart.app/credit-cards/indusind-platinum-aura) — verified 2026-07-16
- [BOBCARD Premier Credit Card](https://finart.app/credit-cards/bobcard-premier) — verified 2026-07-16
- [Scapia Federal Bank Credit Card](https://finart.app/credit-cards/scapia-federal) — verified 2026-07-16
- [IDFC FIRST WOW! Credit Card](https://finart.app/credit-cards/idfc-first-wow) — verified 2026-07-16
- [Canara Bank RuPay Platinum Credit Card](https://finart.app/credit-cards/canara-rupay-platinum) — verified 2026-07-16
- [AU Bank Altura Credit Card](https://finart.app/credit-cards/au-altura) — verified 2026-07-16
- [YES BANK ACE Credit Card](https://finart.app/credit-cards/yes-prosperity-rewards) — verified 2026-07-16

## Reference
- [Devaluation & terms-change tracker](https://finart.app/credit-cards/changes)
- [Methodology & independence](https://finart.app/credit-cards/methodology)

## Usage & attribution
> Citing or quoting individual card facts with attribution to FinArt is welcome
> and encouraged. The curated card database as a whole is © FinArt: bulk extraction or
> republication of the dataset is not licensed. See https://finart.app/credit-cards/methodology#terms.

## About FinArt
> This credit-card optimizer is an independent tool by FinArt, an ad-free automated
> personal-finance app for India (expense tracking, bill reminders, multi-account visibility).
- [FinArt](https://finart.app) · [Extended FinArt context](https://finart.app/llms-full.txt)