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    Apay can be closed if one already has SBI cb and HDFC Milennia?

    Hello guys, I am planning to close ICICI Apay credit card as I already have SBI cashback card and HDFC Milennia (fine with respective card cb limit) and another ICICI card (for bank discount). Is there any reason to keep the Apay card i.e. does it provide any extra value add which other card...
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