My credit card journey so far 2021-2023

[sbiswas]

I currently hold approximately 15 credit cards, having begun my applications in 2021. My credit limits vary, ranging from ₹2 lakh to ₹18 lakh.

Among my favorites are the SBI Cashback Card (used primarily for online purchases), Amazon Pay, IDFC Vistara (for rent payments), and Tata Neu (for bill payments).

Could you suggest any credit cards I should consider applying for next year? Also, are there any cards in my portfolio that could be replaced for better rewards?

Most of my cards are Lifetime Free (LTF) due to various offers, with the exceptions being the IDFC Vistara and SBI Cashback cards. However, with the SBI card, I easily meet the ₹2 lakh spending threshold.

Here is a list of the credit cards I currently own:

- IDFC Vistara and Wealth
- ICICI Amazon Pay and Sapphiro
- IndusInd Legend and RuPay
- Kotak IOC RuPay and League
- HDFC Regalia and Tata Neu
- AU Lit
- Axis My Zone and Flipkart
- OneCard
- SBI Cashback

 

[NAB]

You can add -
Amex MRCC,
SBI SimplyClick/BPCL/etc. (For 10% Offers during sale),

Rest depends on your needs and spending.

 

[abhiver]

AMEX is missing in that list.