Help to minimize my card portfolio

[Shubham330Shubham330 is verified member.]

Hay. Help me to minimize my card portfolio


1) Axis Magnus (paid): will be getting converted to m4b soon. >> For large spends like education fees, car purchase etc

2) Axis Atlas (paid): not using as such but keeping if as axis will devalue m4b anytime soon this will be 2nd card post m4b limits

3) Axis Airtel (Paid) : utilities as have Airtel connections

4) ICICI Coral (LTF) : kept as it was 1st CC

5) ICICI HPCL Supersaver (Paid)
6) IDFC Power + (Paid) : both for fuel as have fuel spend more than cashback limit on each card

7) ICICI Sapphiro (LTF): Got it through Alumni program. ( Using for BMS BOGO)

8) HDFC Regalia Gold (LTF) : kept for infinia upgrade

9) Hdfc Marriot Diners club (Paid) : just for one annual free night benefit.

10) HDFC Tata Neu Infinity(LTF) : For Tata spends

11) SBI Cashaback (Paid) : took it as it was difficult to get. But not using much

12) SBI BPCL Octane (Paid) : using for fuel and gas refiels

13) BOB Premier (LTF) : Extra with no use

14) BOB Snapdeal (LTF) : 1% cb For upi > 100₹

15) SuperMoney FD Card(LTF) : kept for FD and using for upi < 100₹

16) Amex Platinum Travel: Using for first 4 Lakh only



Apart from this
Will soon getting Emeralde Private Metal and Amex Platinum Charge Card.


So post having Emeralde Private Metal, HDFC Infinia , Axis M4B, Amex Platinum Charge which other cards shoul i keep?

My thoughts is keep Axis Airtel and atlas, BOB both cards(As need Snapdeal but it's additional card), SuperMoney FD Card, ICICI LTF Card and both hpcl fuel cards.

and confused on these card. Whether to close or keep SBI BPCL Octane, SBI Cashback

 

[NABNAB is verified member.]

SBI CB is a really good card for pure 5% CB. Fuel is already covered. But, as you are into the RPs and Miles game, you can go ahead and close them. They aren't difficult to get cards.

You can also plan to close the Atlas for now. As you aren't using it much. And in case required in the future, they issue it very easily over a call.

Wait for all awaited cards to come, and after getting them all, decide accordingly.

 

[Deepak_9155]

7) ICICI Sapphiro (LTF): Got it through Alumni program. ( Using for BMS BOGO)

how ltf ?

 

[BeingIncogBeingIncog is verified member.]

how ltf ?

Got it through Alumni program.

 

[Deepak_9155]

Got it through Alumni program.

how plz elaborate !

 

[NABNAB is verified member.]

how plz elaborate !

Check this:

V

Thread 'ICICI Bank Sapphiro Credit Card Lifetime Free Under Alumni Program : Full Details And Application Link'

Jun 8, 2023

Hello All
Just wanted to make you guys aware of ICICI Bank's Alumni Program under which they are offering LTF Sapphiro for alums of Premier MBA Colleges and IITs

I already had a Rubyx card and Amazon card with them with a limit of Rs. 6.5L which I had got from holding a Titanium Salary account. But recently I got their Sapphiro Card LTF under the same program as I'm an Alum from IIML.
I'll share some of the links here, you can apply directly and get a call back from them:

https://campaigns.icicibank.com/credit-card/sapphiroCreditCard/index.html?instituteCode=inst0003...

• varun.rt
• icici bank alumni program ltf icici bank credit card
• Replies: 2,740
• Forum: Informative Threads

• 
• 

 

[Deepak_9155]

Check this:

V

Thread 'ICICI Bank Sapphiro Credit Card Lifetime Free Under Alumni Program : Full Details And Application Link'

Jun 8, 2023

Hello All
Just wanted to make you guys aware of ICICI Bank's Alumni Program under which they are offering LTF Sapphiro for alums of Premier MBA Colleges and IITs

I already had a Rubyx card and Amazon card with them with a limit of Rs. 6.5L which I had got from holding a Titanium Salary account. But recently I got their Sapphiro Card LTF under the same program as I'm an Alum from IIML.
I'll share some of the links here, you can apply directly and get a call back from them:

https://campaigns.icicibank.com/credit-card/sapphiroCreditCard/index.html?instituteCode=inst0003...

• varun.rt
• icici bank alumni program ltf icici bank credit card
• Replies: 2,740
• Forum: Informative Threads

• 
• 

thank you sharing
but i am not from any of the college listed there 🙂

 

[NABNAB is verified member.]

thank you sharing
but i am not from any of the college listed there 🙂

Then try getting it against your salary if it's >1.5L PM and your company is in the list.

Thread 'ICICI LTF Cards Campaign (Coral, Rubyx, Sapphiro) for Salaried Individuals from Selected Companies'

Feb 4, 2025

ICICI Bank is offering three premium credit cards— Coral, Rubyx, and Sapphiro—lifetime free for salaried individuals. I am eligible for the Rubyx card, and they are offering a choice between a Visa card or an Amex + MasterCard combo. Which option should I choose? The LTF offer is only available for companies listed on the promotion page: https://campaigns.icicibank.com/credit-card/empaneledCompanies/index.html

• sohanjain
• amex mastercard visa visa card
• Replies: 161
• Forum: ICICI Bank Credit Card

• 

 

[Shubham330Shubham330 is verified member.]

SBI CB is a really good card for pure 5% CB. Fuel is already covered. But, as you are into the RPs and Miles game, you can go ahead and close them. They aren't difficult to get cards.

You can also plan to close the Atlas for now. As you aren't using it much. And in case required in the future, they issue it very easily over a call.

Wait for all awaited cards to come, and after getting them all, decide accordingly.

So SBI CB and atlas good to close now?
Thinking of closing bpcl octane as well if not converted to LTF.

Fuel i am alredy covered by IDFC Power +

The icici hpcl is like i can close anytime.
BOB making any sense in my case?


So i can cut down 4-5 cards
Sbi cb
Sbi bpcl (shall I?)
Icici hpcl
Axis atlas
Bob premier and snapdeal(shall i?)

Whats your though on this @NAB

 

[Mpautobe]

Cut down the non performing paid cards first...

 

[jk51]

Hay. Help me to minimize my card portfolio


1) Axis Magnus (paid): will be getting converted to m4b soon. >> For large spends like education fees, car purchase etc

2) Axis Atlas (paid): not using as such but keeping if as axis will devalue m4b anytime soon this will be 2nd card post m4b limits

3) Axis Airtel (Paid) : utilities as have Airtel connections

4) ICICI Coral (LTF) : kept as it was 1st CC

5) ICICI HPCL Supersaver (Paid)
6) IDFC Power + (Paid) : both for fuel as have fuel spend more than cashback limit on each card

7) ICICI Sapphiro (LTF): Got it through Alumni program. ( Using for BMS BOGO)

8) HDFC Regalia Gold (LTF) : kept for infinia upgrade

9) Hdfc Marriot Diners club (Paid) : just for one annual free night benefit.

10) HDFC Tata Neu Infinity(LTF) : For Tata spends

11) SBI Cashaback (Paid) : took it as it was difficult to get. But not using much

12) SBI BPCL Octane (Paid) : using for fuel and gas reviews

13) BOB Premier (LTF) : Extra with no use

14) BOB Snapdeal (LTF) : 1% cb For upi > 100₹

15) SuperMoney FD Card(LTF) : kept for FD and using for upi < 100₹

16) Amex Platinum Travel: Using for first 4 Lakh only



Apart from this
Will soon getting Emeralde Private Metal and Amex Platinum Charge Card.


So post having Emeralde Private Metal, HDFC Infinia , Axis M4B, Amex Platinum Charge which other cards shoul i keep?

My thoughts is keep Axis Airtel and atlas, BOB both cards(As need Snapdeal but it's additional card), SuperMoney FD Card, ICICI LTF Card and both hpcl fuel cards.

and confused on these card. Whether to close or keep SBI BPCL Octane, SBI Cashback

If you have Neu Infinity then other cards dor UPI spends don’t make much sense (if you are comfortable with tata ecosystem) hence two UPI based cards can be closed including Bob Premier

Also having co branded cards especially for HPCL can be avoided as it can be made through Plat Travel. SBI Cashback can be used at Park Plus.

 

[Shubham330Shubham330 is verified member.]

Cut down the non performing paid cards first...

Which one you are referring to?

 

[Shubham330Shubham330 is verified member.]

If you have Neu Infinity then other cards dor UPI spends don’t make much sense (if you are comfortable with tata ecosystem) hence two UPI based cards can be closed including Bob Premier

Also having co branded cards especially for HPCL can be avoided as it can be made through Plat Travel. SBI Cashback can be used at Park Plus.

For HP amex is good choice but it has acceptability issue as well.

Many pumps in my area are using that paytm POS. It does not accept amex + amex just give Surcharge and MR but confirm branded card give 4% back

 

[jk51]

For HP amex is good choice but it has acceptability issue as well.

Many pumps in my area are using that paytm POS. It does not accept amex + amex just give Surcharge and MR but confirm branded card give 4% back

Some Paytm POS accept Amex as well apart from ICICI ones. It’s a one time excercise to find such outlets that’s for sure though. Even considering MR points conservatively it beats co-branded options hands down in case of Plat Travel at least (5.25% min).

 

[NABNAB is verified member.]

So SBI CB and atlas good to close now?
Thinking of closing bpcl octane as well if not converted to LTF.

Fuel i am alredy covered by IDFC Power +

The icici hpcl is like i can close anytime.
BOB making any sense in my case?


So i can cut down 4-5 cards
Sbi cb
Sbi bpcl (shall I?)
Icici hpcl
Axis atlas
Bob premier and snapdeal(shall i?)

Whats your though on this @NAB

Yes, SBI Octane as well.

ICICI HPCL, you can try converting to the LTF. But, of you are using it and taking a bit of CB, then can continue.

Yup, close the Atlas for now.

Keep BOB cards, as they are LTF. Can be helpful during some offers.

So, total you can get rid of-
SBI CB,Octane
Axis Atlas.

 

[cardio_guycardio_guy is verified member.]

Any cards among them which you haven't used at all in the last 1 year?
Those could be good candidates to close.