This by no means is a beginner lever portfolio, you obviously have a SBI Wealth account and a HDFC Preferred(at minimum) account
My Portfolio :-
1. Union Rupay Select D/C (Free)
2. Canara Rupay Select D/C (Paid, will downgrade before fee hits next yr)
3. SBI Rupay Plat Domestic D/c (Paid but very nominal, like 200+Gst)
4. HDFC Easyshop Platinum Visa (Free)
5. ICICI some basic debit card, i don't remember the name (Paid, but the cheapest one they have)
How did you manage IDFC D/Cs for free, do you have a wealth account there as well ?