Most useless credit cards in your wallet?!

[ltf4ever]

we have seen many threads for suggestions around best credit cards in various segments.

let's share some of the worst/useless credit cards tha we hold in our wallet and never take them out!

let me start:
hsbc visa platinum - nonexistent customer support, no offers, no lounge access, no statement cashback. Saturday bogo on BMS, but the coupon gets used up as soon as you enter it in the app, even when you dont proceed to payment! keeping it just because it is ltf for me.

 

[kalyan.sreenivas]

ICICI Coral,
Citi Rewards

 

[TheMentalist]

OneCard
IDFC Select
IndusInd Legend
ICICI Amazon Pay
RBL Zomato
Axis Select (For Swiggy only)

 

[CCgeek]

For me is Kotak Privy League signature. Its still with me only because its LTF. Pathetic reward structure and barely any offers.

 

[Rahul92]

Indusind platinum
Axis Flipkart
Kotak Mojo
ICICI coral

Planning to close all before renewal

 

[Harry1]

For me is PayTM first Citi card

Lol that's one of my favourite cards😂. Flat 3% true cb on all Paytm spends including rent payments and insurance payments.

 

[Harry1]

Diners Privilege
Axis Privilege
ICICI MMT
IDFC Millenia
Zomato Classic
AU Altura
One Card
ICICI Coral

All of them are LTF as well as useless!

How did u get privilege as LTF? BTW, it is my most used card in last year just because of double reward rate against Myntra vouchers.

All axis accelerated points offer get multiplied on this card.

Bought an iPhone at flat 50% discount as Myntra vouchers. And some more shopping on Amazon with about 33% as Myntra vouchers.

 

[Bhole]

How did u get privilege as LTF? BTW, it is my most used card in last year just because of double reward rate against Myntra vouchers.

All axis accelerated points offer get multiplied on this card.

Bought an iPhone at flat 50% discount as Myntra vouchers. And some more shopping on Amazon with about 33% as Myntra vouchers.

How did you buy an Iphone and shop at Amazon using Myntra vouchers?

 

[Harry1]

How did you buy an Iphone and shop at Amazon using Myntra vouchers?

I said - Bought an iPhone at flat 50% discount as Myntra vouchers.

There was 30x edge rewards offer on Holi sale. Bought it at actual mrp. Got 30x points on the amount paid minus gst and redeemed them as Myntra vouchers. That's 50% discount as Myntra vouchers.

 

[Bhole]

I said - Bought an iPhone at flat 50% discount as Myntra vouchers.

There was 30x edge rewards offer on Holi sale. Bought it at actual mrp. Got 30x points on the amount paid minus gst and redeemed them as Myntra vouchers. That's 50% discount as Myntra vouchers.

Ohh got it

 

[akshay_m]

For me it is IndusInd Legend. I don't know why I applied for it, the saving grace is that it is LTF

 

[theneerex]

1. Axis Neo - My first credit card. No offers. Planning on upgrading it to Magnus once my spends increase but it's useless as of now
2. IDFC First Select - Only use it for the movie offers. Don't travel enough to use the lounge access. I use Legend card for lounge access (read below)
3. IndusInd Legend - I only use it for lounge access at 080 lounge in BLR airport, since none of my other cards are accepted there. Sometimes, I use the BMS BOGO offer

If I upgrade Neo to Magnus, I can get rid of Select and Legend cards since Magnus has an excellent BMS offer and unlimited lounge access. Just need to make sure it is accepted in the 080 lounge

 

[adit_787]

Indusind intermiles oddessey (canceled last month finally, didn’t swipe the card in 3 years)
Icici mmt (never swiped the card since the day i received it)
Zomato Edition classic (from next month, used on my birthday for 16k cashback)
Yes First Exclusive (haven’t used since devaluation and lack of offers, at one point had made over 1 lac points on it)

 

[aditya001]

HDFC money back.🥲 Limit hi nhi bda rhe hai 2 saal se..

 

[Waynoway]

ICICI MakeMyTrip signature. Only when I want to use lounge, I do a transaction of 5000 in the previous quarter. Else completely useless.

 

[aswinsegu]

One Card
Yes First Exclusive
ICICI Sapphiro (except for BMS BOGO offer)

Good that all these are LTF

 

[Gkcards]

icici - only for movies/offers (bank also sent msg that if I don't reply, card will be closed due to prolonged inactivity 😀

zomato - now useless but gave me bday benefit

indusind - was always a crappy card

SBI - only for some specific offer, otherwise inactive