Credit Card Portfolio Restructuring 2025 - Discussion

[raghumahajan]

PS - I will update this thread based on responses.

I am into credit cards for last 5 years and has good knowledge through Technofino and team. I am planning to step up my game into it. Most of my cards are cashback and I feel comfortable around them. I am looking to balance my card portfolio. need suggestion which cards to close/upgrade/downgrade. Also, require some new cards for offline and overall usage.
The cards offering points/miles are difficult to understand for me as of now. That is the reason I am not upgrading HDFC millenia to regalia. But i serious need some advice from community to step up.
I don't have any large spending ahead and in any category. For grocery, I buy from Reliance smart bazar using vouchers from Amazon or Big basket using tata neu.
Online shopping is covered on Amazon/ Flipkart.

I and my family have below cards :

• ICICI
  • Amazon Pay
  • HP Coral
• HDFC
  • Millenia
  • Tata Neu Infinity Rupay
• SBI
  • Cashback
  • BPCL Rupay
• Standard Chartered
  • Ultimate (need to close)
  • Smart
• Axis
  • Airtel Axis
• PNB
  • Select Rupay
• AU
  • IXIGO Rupay
• Kotak
  • Myntra Mastercard
• Indusind
  • Legend

 

[Anindya98]

PS - I will update this thread based on responses.

I am into credit cards for last 5 years and has good knowledge through Technofino and team. I am planning to step up my game into it. Most of my cards are cashback and I feel comfortable around them. I am looking to balance my card portfolio. need suggestion which cards to close/upgrade/downgrade. Also, require some new cards for offline and overall usage.
The cards offering points/miles are difficult to understand for me as of now. That is the reason I am not upgrading HDFC millenia to regalia. But i serious need some advice from community to step up.
I don't have any large spending ahead and in any category. For grocery, I buy from Reliance smart bazar using vouchers from Amazon or Big basket using tata neu.
Online shopping is covered on Amazon/ Flipkart.

I and my family have below cards :

• ICICI
  • Amazon Pay
  • HP Coral
• HDFC
  • Millenia
  • Tata Neu Infinity Rupay
• SBI
  • Cashback
  • BPCL Rupay
• Standard Chartered
  • Ultimate (need to close)
  • Smart
• Axis
  • Airtel Axis
• PNB
  • Select Rupay
• AU
  • IXIGO Rupay
• Kotak
  • Myntra Mastercard
• Indusind
  • Legend

Share your expense pattern so that we can suggest cards.

 

[raghumahajan]

I don't have any large spending ahead and in any category.
For grocery, I buy from Reliance smart bazar using vouchers from Amazon or Big basket using tata neu.
Online shopping is covered on Amazon/ Flipkart.
Rent is one category which can be considered.
Travel is limited and is more towards non-metro cities.
I don't own a car.
I have offline spends like shopping, medical, construction material etc.

 

[Anindya98]

I have offline spends like shopping, medical, construction material etc.

Get the Yes Kiwi Card you will receive 5% CB till 1.5L offline spending.
BOB Snapdeal Rupay LTF

Rent is one category which can be considered.

@BVC @SSV @Anupama_Jha @jetesh might help you

 

[vchouksey80]

Kiwi CC you can consider for offline spent till 1.5 lac spend in a year and can fetch 5% CB. It has a very good app, one of the best I can say used so far.

Amex MRCC is missing, for utilities payment, electricity, govt payments (milestone rewards) you can consider. Renewal Fees can be waived off if yearly spend is 1.5 lac, else 50% fee is waived off.

 

[coolguy1]

Try to add some AmEx into your portfolio, if you travel a lot of fancy luxury vacations, the MRCC/Plat Travel can come in very handy.

 

[cardio_guycardio_guy is verified member.]

My suggestion is not to keep too many unused cards if you are not really an enthusiast or collector.
Just keep 3-4 cards and make most of your expenses on them.

For cashback cards, 5% is the standard and you can get more on specific cards -
like HDFC Swiggy - 10% on Swiggy spends, HSBC Live+ - 10% on groceries. But these have cappings.

Now, if you want, you can keep some card for some specific offer (like B1G1 movie offer, lounge access etc)
But overall if you keep collecting so many cards, it will be difficult for you to track, and maintain.

As a first step, you can decide by yourself, if you have not used a card in the last 1 year, probably you may not use it later in the future also.
You can close 2-3 such cards.

 

[raghumahajan]

After all of your suggestions and good research on Technofino, I concluded that I have most of the best cards according to @TechnoFino 's list Best CC 2025

However, considering offline spending, better cards to consider are Axis Altas and Amex Travel. However, these two cards only provide Air miles, and I am not much into international travel or hotels.
I can pay up to 7500 for a card which can essentially give me good returns. I already have a SC ultimate, so will not renew this if getting a paid card.

Please advise, anything else I can consider?

 

[raghumahajan]

Just checked, I have ICICI salary account and 2 credit cards (Amazon pay & HP ICICI). I am getting upgrade to Emeralde Visa or Amex at 12000+GST.
Is this a good deal?

 

[Anindya98]

Just checked, I have ICICI salary account and 2 credit cards (Amazon pay & HP ICICI). I am getting upgrade to Emeralde Visa or Amex at 12000+GST.
Is this a good deal?

ICICI EPM is good and Emeralde PVC is only good for LTF variant.

Thread 'ICICI has recently downgraded the Salary Criteria for Sapphiro LTF & Rubyx LTF'

Jun 11, 2024

New Update: Yesterday I got to know from my RM

Rubyx - 75000 per month Salary
Sapphiro - 1.5L per month Salary

• Anindya98
• credit card icici icici credit card rubyx sapphiro sapphiro credit card
• Replies: 194
• Forum: ICICI Bank Credit Card

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