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

[pjain2712]

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 doesn't? I know it is LTF but I am trying to reduce number of cards as I rarely use Apay. I am fine with slight change in CIBIL as Apay card is not the oldest card I have.
And just wondering in worst case, if required in future (when/if SBI cb or Milennia devalues) would it be difficult to get the Apay card again?

Please help with your suggestions.

 

[PavanPavan is verified member.]

My suggestion don't close APAY 5% and 2% unlimited cashback is still the best
Reapplying might not be easy

 

[pjain2712]

My suggestion don't close APAY 5% and 2% unlimited cashback is still the best
Reapplying might not be easy

Thanks for your suggestion, but 5% is conditional with prime membership where other cards SBI cb/HDFC Milennia does not have any condition and 2% one don't use often as we can get Apay gift card at better discount and same can be used to pay utility bills.

 

[4uziaul]

Thanks for your suggestion, but 5% is conditional with prime membership and 2% one don't use often as we can get Apay gift card at better discount and same can be used to pay utility bills.

Currently, you are receiving a discount of more than 2%. However, what will you do if you no longer receive that discount? 🤣

 

[plastikman]

Thanks for your suggestion, but 5% is conditional with prime membership where other cards SBI cb/HDFC Milennia does not have any condition and 2% one don't use often as we can get Apay gift card at better discount and same can be used to pay utility bills.

SBI / HDFC can be devalued any moment. But Apay has been steady for many years and no devaluation is expected soon.

 

[pjain2712]

Currently, you are receiving a discount of more than 2%. However, what will you do if you no longer receive that discount? 🤣

Have multiple ways to get Amazon Gift card so one stops, will opt for another as simple as that.

 

[pjain2712]

SBI / HDFC can be devalued any moment. But Apay has been steady for many years and no devaluation is expected soon.

Okay, once closed and we apply again in future, do you think it would be difficult to get Apay card?

 

[plastikman]

Okay, once closed and we apply again in future, do you think it would be difficult to get Apay card?

Maybe impossible.

 

[4uziaul]

Have multiple ways to get Amazon Gift card so one stops, will opt for another as simple as that.

It seems like you have made up your mind. Please don't forget to share the other methods or ways to obtain Amazon Pay Vouchers at a discounted price. 🤣

 

[jade]

The chances of devaluation with APay is low compared to SBI Cash-back.

 

[4uziaul]

Okay, once closed and we apply again in future, do you think it would be difficult to get Apay card?

To apply for an APay card in the future, you cannot use the same Amazon account. Instead, you need to use a completely different account with a different number.

 

[pjain2712]

It seems like you have made up your mind. Please don't forget to share the other methods or ways to obtain Amazon Pay Vouchers at a discounted price. 🤣

Depends on which card you hold, if you hold SBI cb/HDFC Milennia, you can get it in discount on getting cb on it. You will find multiple threads on this forum as well.

 

[4uziaul]

Depends on which card you hold, if you hold SBI cb/HDFC Milennia, you can get it by getting cb on it. You will find multiple threads on this forum as well.

You still don't seem to understand. 🤣 Anyway, other people have expressed their concerns about why you should not cancel your APay card.

 

[pjain2712]

You still don't seem to understand. 🤣 Anyway, other people have expressed their concerns about why you should not cancel your APay card.

You seem to judge too quickly 😂 what made you think I don't understand? I didn't not mention that I don't agree anywhere here. You asked for Amazon gv discount so I had commented on that.

 

[4uziaul]

You seem to judge too quickly 😂 what made you think I don't understand? I didn't not mention that I don't agree anywhere here. You asked for Amazon gv discount so I had commented on that.

Once again, you have misunderstood, and I am not judging you. 🤣

 

[pjain2712]

Once again, you have misunderstood, and I am not judging you. 🤣

Again you judged that I misunderstood 😂 Anyways I have got all the required suggestions from other members on this and will think about it. And I didn't made up my mind, if I had, I would have directly requested for closure, didn't have created a thread here to discuss.