Credit Card Portfolio Review

[vg01]

Please review the portfolio below:

1. ICICI Emerald Private Metal (Paid - Wife's account, I am add-on)
2. HDFC Diner Black Plastic (LTF - my account - wife is add-on)
3. ICICI Emerald Plastic (LTF - wife account) (Shared Limit with EPM)
4. ICICI Sapphiro (LTF - my account)
5. Amex Platinum Travel (Paid - this is the first year. Will cancel after this year)
6. HDFC Marriot (Paid - 2 different card - one on my account and another on wife's)
7. Indusind Tiger (LTF)
8. IDFC Wealth (LTF)
9. IDFC Wealth Vistara (was paid - now useless)
10. Axis Vistara Infinite (Was paid - now useless)

I mostly use

• Online Shopping - Vouchers through EPM Ishop
• Offline shopping - (in order of preference) IDFC Vistara (still valid till Feb), Amex Platinum Travel, Diners
• Travel, Hotel, etc. - earlier all was on Smartbuy now on Ishop
• Utilities etc - all through Amazon pay vouchers

All other cards are just in the cupboard. Have them just so that overall limit is high and my monthly spend never cross 1% of total limit.

Can you please help optimize this:

• Do I need to remove/add anything?
• Is Infinia worth it? I can get it now as I meet the salary criteria.

 

[hellowo₹ld]

close 7-10. rest all good. Yes, Infinia serve little better compare to DCB but not necessarily needed due to other options which already covered.

 

[Kabir_1112]

Mostly diners black, Emeralde metal, marriott diners and Amex platinum travel are more than enough cards. Almost all your spends can be taken care off by these good cards.

 

[Virtual King]

My Recommendations...

Close - 2, 3, 4, 7, 8, 9, 10
Add - Infinia (with add-on for your wife)

Then you will have a lean CC portfolio - which will meet all your requisite lifestyle requirements.

Hope this helps. 🙂

 

[Kabir_1112]

Please review the portfolio below:

1. ICICI Emerald Private Metal (Paid - Wife's account, I am add-on)
2. HDFC Diner Black Plastic (LTF - my account - wife is add-on)
3. ICICI Emerald Plastic (LTF - wife account) (Shared Limit with EPM)
4. ICICI Sapphiro (LTF - my account)
5. Amex Platinum Travel (Paid - this is the first year. Will cancel after this year)
6. HDFC Marriot (Paid - 2 different card - one on my account and another on wife's)
7. Indusind Tiger (LTF)
8. IDFC Wealth (LTF)
9. IDFC Wealth Vistara (was paid - now useless)
10. Axis Vistara Infinite (Was paid - now useless)

I mostly use

• Online Shopping - Vouchers through EPM Ishop
• Offline shopping - (in order of preference) IDFC Vistara (still valid till Feb), Amex Platinum Travel, Diners
• Travel, Hotel, etc. - earlier all was on Smartbuy now on Ishop
• Utilities etc - all through Amazon pay vouchers

All other cards are just in the cupboard. Have them just so that overall limit is high and my monthly spend never cross 1% of total limit.

Can you please help optimize this:

• Do I need to remove/add anything?
• Is Infinia worth it? I can get it now as I meet the salary criteria.

You can also try to avoid overlapping of cards between you and your wife.