Credit Card portfolio Optimization

[summary]

If you have heavy travel requirement then keep scapia otherwise keep only select.

Update: Select card after the devaluation, now offers Longue access only after spending 20,000. BOGO offer has also been revised to a max of 125 twice a month. IDFC forcing me to close the card now.

 

[helloworld]

Update: Select card after the devaluation, now offers Longue access only after spending 20,000. BOGO offer has also been revised to a max of 125 twice a month. IDFC forcing me to close the card now.

making easy for your decision.

 

[pinki]

Select acc? no idea.

Search on forum

 

[Pravas]

I need some pointers whether and what card to close/upgrade in my portfolio. My current lineup

1. HDFC Tata nue infinity LTF (for UPI)
2. INFINIA PAID (Primary Card)
3. Biz Black PAID (For Income tax purpose)
4. Axis Airtel PAID
5. Axis Samsung Infinite FYF (Going to close or downgrade)
6. Axis Ace PAID (backup offline)
7. Indusind Legend (for select account)
8. IDFC wealth LTF (Was using for gov spends)
9. ICICI Saphiro LTF (for BMS)
10. ICICI coral ruppay LTF
11. ICICI APAY LTF
12. AU Xcite Ultra LTF
13. KOTAK Myntra ruppay PAID
14. AMEX MRCC FYF (Fule, APAy voucher)
15. AMEX Platinum travel FYF (paying taxes, offline)
16. SBI Cashback PAID (any online payment)
17. SBI BPCL ruppay PAID (Was using for fuel)
18. SC smart PAID (Rent)

I am having too many cards, should I close some of them ?

Monthly regular spends : 1.5 Lakh+ (including parents addon cards)
Yearly spends include taxes and other misc : 25 lakh.
I don't want to go to axis miles hassle, only CB from axis.

 

[helloworld]

I need some pointers whether and what card to close/upgrade in my portfolio. My current lineup

1. HDFC Tata nue infinity LTF (for UPI)
2. INFINIA PAID (Primary Card)
3. Biz Black PAID (For Income tax purpose)
4. Axis Airtel PAID
5. Axis Samsung Infinite FYF (Going to close or downgrade)
6. Axis Ace PAID (backup offline)
7. Indusind Legend (for select account)
8. IDFC wealth LTF (Was using for gov spends)
9. ICICI Saphiro LTF (for BMS)
10. ICICI coral ruppay LTF
11. ICICI APAY LTF
12. AU Xcite Ultra LTF
13. KOTAK Myntra ruppay PAID
14. AMEX MRCC FYF (Fule, APAy voucher)
15. AMEX Platinum travel FYF (paying taxes, offline)
16. SBI Cashback PAID (any online payment)
17. SBI BPCL ruppay PAID (Was using for fuel)
18. SC smart PAID (Rent)

I am having too many cards, should I close some of them ?

Monthly regular spends : 1.5 Lakh+ (including parents addon cards)
Yearly spends include taxes and other misc : 25 lakh.
I don't want to go to axis miles hassle, only CB from axis.

all good .. no changes, only close needed if you want.

 

[350modena]

I need some pointers whether and what card to close/upgrade in my portfolio. My current lineup

1. HDFC Tata nue infinity LTF (for UPI)
2. INFINIA PAID (Primary Card)
3. Biz Black PAID (For Income tax purpose)
4. Axis Airtel PAID
5. Axis Samsung Infinite FYF (Going to close or downgrade)
6. Axis Ace PAID (backup offline)
7. Indusind Legend (for select account)
8. IDFC wealth LTF (Was using for gov spends)
9. ICICI Saphiro LTF (for BMS)
10. ICICI coral ruppay LTF
11. ICICI APAY LTF
12. AU Xcite Ultra LTF
13. KOTAK Myntra ruppay PAID
14. AMEX MRCC FYF (Fule, APAy voucher)
15. AMEX Platinum travel FYF (paying taxes, offline)
16. SBI Cashback PAID (any online payment)
17. SBI BPCL ruppay PAID (Was using for fuel)
18. SC smart PAID (Rent)

I am having too many cards, should I close some of them ?

Monthly regular spends : 1.5 Lakh+ (including parents addon cards)
Yearly spends include taxes and other misc : 25 lakh.
I don't want to go to axis miles hassle, only CB from axis.

On a similar but opposite note, i have only the regalia LTF and amex cards, and am contemplating the SBI CB (online spends including amazon pay GCs for utilities) or the Icici Apay (5% on Amazon + income tax payments i understand fetch 1% so if DC is used then 1% net gain).

Any suggestions which one i should apply first. Cibil close to 800.

 

[helloworld]

On a similar but opposite note, i have only the regalia LTF and amex cards, and am contemplating the SBI CB (online spends including amazon pay GCs for utilities) or the Icici Apay (5% on Amazon + income tax payments i understand fetch 1% so if DC is used then 1% net gain).

Any suggestions which one i should apply first. Cibil close to 800.

sbi then apay..