sardeep
TF Buzz
Hi all,
I’d love to get some expert feedback and suggestions on my credit card portfolio — whether I’m missing out on value, and if there are cards I should consider adding or trimming. Here’s my current lineup along with usage and fee details:
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Card
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Annual Fee (INR)
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Waived/LTF
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Happy to answer follow-ups with more details if needed!
I’d love to get some expert feedback and suggestions on my credit card portfolio — whether I’m missing out on value, and if there are cards I should consider adding or trimming. Here’s my current lineup along with usage and fee details:
My Credit Cards & Credit Limits
1. HDFC Infinia, Tata Neu Infinity, Pixel- Combined Limit: INR 10 Lac
- Limit: INR 8 Lac
- Limit: INR 4 Lac
- Combined Limit: INR 8 Lac
- Limit: INR 5 Lac
- Limit: INR 5 Lac
Annual Charges
| HDFC Infinia | 12,500 | Waived via spends |
| Tata Neu Infinity | 1,499 | Paid |
| Pixel | 0 | LTF |
| AMEX Platinum Travel | 5,000 | Paid |
| AMEX MRCC | 0 | LTF |
| ICICI Sapphiro | 0 | LTF |
| Amazon ICICI | 0 | LTF |
| ICICI Coral Rupay | 0 | LTF |
| Scapia | 0 | LTF |
| IndusInd Tiger | 0 | LTF |
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Card
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Annual Fee (INR)
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Waived/LTF
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Card Usage Details
- Infinia: My daily driver, mainly through SmartBuy portal (vouchers, flights). Capped spends rarely hit monthly 15k bonus. Use points primarily for domestic flights (2-3 return/month, mainly Air India Premium Economy). This will reduce with permanent WFH.
- AMEX Plat Travel: Used post-renewal to hit 4L spends for milestone then shift back to Infinia.
- AMEX MRCC: Only for the monthly bonus points via 4x1500 txns; purchase Amazon vouchers.
- Tata Neu Infinity: For UPI payments, where CC is accepted. ~10k/month.
- Pixel: Barely used (only bought concert tickets).
- ICICI Sapphiro: For BMS movie tickets + ICICI discounts.
- Amazon ICICI, Coral Rupay: Not used.
- Scapia: Added for zero forex markup, not used yet.
- IndusInd Tiger: Picked for international lounge access for family (daughter is 8 so no longer eligible for free lounge). Not used yet.
Spends and Patterns
- Total monthly spends: INR 2L–2.5L (can spike higher with vacations/purchases)
- Voucher use: Wherever possible, for maximising rewards.
- Travel: Reduced domestic flights going forward.
My Queries
- Portfolio Sufficiency: Is this lineup optimal for someone with my spends and travel patterns? Am I missing any high-value cards — especially for lounge access (family), travel, or cashback?
- Trimming: Are there cards here that serve no real purpose and can be cancelled, especially LTF ones? Keeping track of too many sometimes feels unnecessary.
- Special Recommendations: Should I consider shifting spend patterns to tap into better rewards/cashback, or add a card that fits a new need (international travel, UPI spends, etc.)?
- Unused Cards: Does it affect CIBIL if I close the rarely-used Amazon ICICI, Coral Rupay, or Pixel (which was a hype card but doesn't give me much now)?
Happy to answer follow-ups with more details if needed!
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