Closed Credit Cards list so far

[Andy1]

Let's talk about all the credit cards which you have closed so far and also list reason for it.
I have closed
Icici Platinum- Poor Reward points
Axis Flipkart- list of exemptions
Axis Ace - devaluation
Yes Finbooster- never used
Yes Exclusive- Annual Fees
RBL ICON- pathetic reward system for a premium card
Axis Magnus- Reason well known
IDFC Select- upgraded to Wealth

 

[V5689]

Closed
Axis Privilege - (Jan 2020 - Dec 2023) - No use anymore
Axis Magnus - (Dec 2022 - Nov 2023) - Obvious reasons

Active
Axis my Zone LTF - Swiggy/Movie offers only
HDFC DCB Metal FYF - Daily driver
TATA Neu Inifinity FYF - UPI only
Amex MRCC - wallets - 1500*4
ICICI Coral LTF - For ICICI based offers
IndusInd Legend LTF - No use mostly - Got 1 yr times prime membership free
IDFC Wealth LTF + Add on - Used before for any international trips for lounge access and forex transactions
BOB Premier LTF - BOB offers only

Future plans
DCB to Inifinia - God knows when
AMEX Platinum charge - 135000 MR offer very tempting - Still contemplating

 

[sahilag]

CitiBank Rewards 🙁, just closed it yesterday. Close to useless now.😢

 

[vijay.vj]

1. Citbank Rewards (got blocked due to fraud transaction attempt, kept happening. Wasn't happy with rewards)
2. Axis Flipkart (headache with flipkart customer care with issues, not worth the hastle & this card annual charges are burden. They denied making 3 years old card LTF)
3. RBL Shoprite (result of mis-selling, got shoprite paid instead of world safari LTF)

 

[V360V360 is verified member.]

CLOSED - UPDATED

SBI Aurum
SBI SimplyClick
Axis Magnus
Axis Vistara Infinite
Axis Select
Axis Samsung Infinite
Axis Atlas
IndusInd Legend
IndusInd Eazy Diner
Kotak Royale
Kotak 811 (FD Based)
Standard Chartered Rewards
IDFC Millenia
IDFC Vistara
BOB Premier
RBL SaveMax
HDFC Diners Black (PVC/Metal)
HDFC Diners Privilege
AMEX Platinum Charge

 

[Parallaxhal]

1. SBI Simplyclick. My oldest Credit Card. Was issued to me when was still in Uni with 20k limit. Didn't know that much about Cibil in those days. Overused that card. Paid only minimum amount, Went overlimit and so on. Had to pay so much extra charges. Then I got a job, started getting other cards and learned how to spend and pay on time and whatnot. Now even after having that card for nearly 8 years, the limit was still 20k. So, closed that card a couple of months ago. Cibil took a big hit since that was my oldest card. But it got back up and over now. Applied for the Cashback card and done with all the call verifications. Now have to wait for Bank's internal verification I guess. Just got a message saying "we have received your SBI Card Application. Pls give us 11 working days to process your App no xxx" Why do they need 11 working days?

 

[AnungUnRama]

What was the age? Limit of card?

Age: 1 year approx. Limit- 50k. Time- just after COVID hit. I had that card as I was just starting my cc journey.

Present day- I already have Kotak White CC.

 

[raghu.rokda]

CLOSED:

SBI Aurum
SBI SimplyClick
Axis Magnus
Axis Vistara Infinite
IndusInd Legend
Kotak Royale
Kotak 811 (FD Based)
Standard Chartered Rewards
IDFC Millenia
BOB Premier
RBL SaveMax

Then what left in your kitty ?

 

[JhonWixx]

Yes bank BYOC credit card- sell by saying that card is LTF and I don't even have to pay for the subscription fees. But I had to pay subscription fees if I want to use there features. But they also charge some Rs.50 every month as card fee.

 

[V360V360 is verified member.]

Then what left in your kitty ?

AMEX GC+PT+MRCC, IndusInd Indulge, AXIS Atlas, Select, Samsung Infinite, BOB Eterna, Kotak White etc.

 

[ALOAK]

Closed
Sbi airindia which did not arrive at all
Sbi prime although closed in 2023 still show active on cibil even after sending email to pno they keep saying it is closed
Citi rewards very old 1999 closed in 2001
Sbi gold and more closed in 2011
Hdfc shopping very old card closed 2012
Planning to cancel
Citi visa and Mc Indian oil ltf
Rbl shoprite
Hdfc privilege if they don't upgrade it not using much and lot restriction points don't get credited properly
Sbi vistara prime limit is 64k
Actively using
Scb ultimate and digi smart
Amex plat travel and mrcc
Icici amazon pay average use
Axis vistara infinite
Axis indian oil rupay for upi purpose only
Idfc select and vistara
Once I get upgrade offer for Amex plat charge then I may close most keeping scb ultimate icici amazon idfc select and vistara And axis vistara
Mostly 90 percent I use amex cards for stays and flights

2023 did not add any cards at all last was 2022.

 

[sanzz]

Closed Cards
SC Ultimate - Q3 2023 due to less useful voucher redemption options. Closed before the Magnus devaluation had I known might have retained.

Citi Rewards - Q3 2023 - poor reward rate ..holding it since 2013 .. finally closed it should have done it earlier

Magnus - Jan 2024 .. No renewal fee waiver or retention offered..spent around 11.91 lac ..

 

[Lobogris]

I can never bring myself to close any credit card, even if it is not used and has an annual fee. After so much effort to collect them, it seems counterintuitive to close them.

 

[theglobalinvestor]

Axis My Zone/Choice can't remember...wasnt using it.

 

[rogerthat]

My list of closed cards in roughly chronological order of acquisition:

ABN AMRO Smart Miles Gold MasterCard
HDFC VISA Gold International
SBI Bangalore Card VISA
ICICI Platinum VISA
ICICI Kingfisher Airlines VISA
ICICI AMEX Ascent
HSBC Gold VISA
Citi Cash Rewards MasterCard
Citi Shoppers Stop Gold MasterCard
Barclays Barclaycard (Classic?)
Deutsche Bank Classic VISA
Axis Bank Spice VISA
Standard Chartered Titanium Supervalue MasterCard
Standard Chartered Manhattan VISA
Standard Chartered Platinum Rewards VISA
ICICI Coral VISA
ICICI Titanium MasterCard
Kotak Trump VISA
SBI FBB Styleup VISA
SBI Prime VISA
Axis Select VISA
HDFC Bank Diners Club Privilege
Yes Bank Rewards MasterCard
SBI Simply Click VISA

To close soon:
Axis Magnus VISA
HDFC Bank Tata Neu Infinity Rupay
HDFC Bank Regalia Gold MasterCard
SBI BPCL VISA
BoB Eterna VISA

 

[SmartSave]

Closed OneCard LTF - Held it since 2021 via Federal. Least CL and No LEs. It was also causing issues due to one-card Federal policy.

Will apply Federal or other cards in future.

 

[vijay.vj]

Closed OneCard LTF - Held it since 2021 via Federal. Least CL and No LEs. It was also causing issues due to one-card Federal policy.

Will apply Federal or other cards in future.

If you close one card, will they allow you to get another federal card?

 

[s1t2y3a3m6]

If you close one card, will they allow you to get another federal card?

Y e s

 

[deep@vie]

Y e s

But not onecard again

 

[DayFine2162]

Axis My zone (closed by not activating) - wrong selling from agent as ltf. There were ongoing ltf offer through Amazon app popup for me. I was not in tf at that time and did not escalated any higher and closed.


RBL bank bazaar save max - cross sold along with Zomato edison card. Once I paid to this card instead of edison card. getting the amount back was nightmare. App was practically unusable. Reaching customer care via phone was like working through maze. When sent a mail, they sent a flow chart to be followed for reaching bank executive through customer care number. I raised card closure request along with the previous request not wanting to have relationship with the bank having poor customer support.


Zomato edison is later converted to shoprite card which i never used. Will close in near future.

 

[iamnisanth]

SCB Platinum Rewards VISA LTF - Got this card for merchant discounts. Poor rewards. Later, I got EMT and Smart cards. So closed it.

IndusInd Platinum MC LTF - Upgraded to Legend LTF.

RBL Savemax MC LTF - Got this due to constant pestering of Bankbazzar. Used it for Zomato 10% CB upto 100 per month. Later, I got Axis Airtel, so closed it. I am holding RBL Duet anyway for merchant discounts.