Multiple cards, which one to keep or close or apply new ?

[InfinitePi]

Hey everyone, I have a few lifetime free credit & debit cards and need advice on which to keep, close, or replace for better rewards.

Here’s my current list of cards:

Credit Cards

• BOB premier (Rupay)
• Axis Myzone (visa)
• Axis Neo (Visa)
• HDFC tata neu plus (Rupay)
• PNB select (Rupay)
• Niyo/SBM platinum (Visa)
• AU ixigo (Visa)
• HSBC platinum (Visa)
• Indusind legend (Mastercard)
• Yes bank kiwi credit card (Rupay)
• BOB HPCL (Rupay)
• Indusind epay (Amex)
• Supermoney-Utkarsh (Rupay)

Debit Cards

• Niyo Visa signature
• AU royale
• IDFC
• Equitas Elite
  
  Which one should i use for cashbacks or bill payments, Also which should now i apply for...should i go for paid ones or any other card

 

[Mr. X]

Hey everyone, I have a few lifetime free credit & debit cards and need advice on which to keep, close, or replace for better rewards.

Here’s my current list of cards:

Credit Cards

• BOB premier (Rupay)
• Axis Myzone (visa)
• Axis Neo (Visa)
• HDFC tata neu plus (Rupay)
• PNB select (Rupay)
• Niyo/SBM platinum (Visa)
• AU ixigo (Visa)
• HSBC platinum (Visa)
• Indusind legend (Mastercard)
• Yes bank kiwi credit card (Rupay)
• BOB HPCL (Rupay)
• Indusind epay (Amex)
• Supermoney-Utkarsh (Rupay)

Debit Cards

• Niyo Visa signature
• AU royale
• IDFC
• Equitas Elite
  
  Which one should i use for cashbacks or bill payments, Also which should now i apply for...should i go for paid ones or any other card

Bob premier- bob snapdeal
Axis neo - bakvas card you can close
Hdfc tata neo- try to upgrade infinity or millennia

 

[InfinitePi]

Bob premier- bob snapdeal
Axis neo - bakvas card you can close
Hdfc tata neo- try to upgrade infinity or millennia

For HDFC i tried multiple times, but there is no offer being shown. is there any other way to upgrade it?

 

[Mr. X]

For HDFC i tried multiple times, but there is no offer being shown. is there any other way to upgrade it?

If your card limit above 1L then email to Grievance.Redressalcc@hdfcbank.com they will upgrade