Need review of my current portfolio

[vijay.vj]

Hi TF CC gurus, new member here. I'm not new to credit cards but I never cared about cashbacks or rewards before. But after coming across this forum, I realized how much I'm losing out.

After following Technofino and 2 other you-tube channels I added 8 cards in my folio in 2023.

• SBI Simply Save - paid
• HDFC Regalia First - LTF
• HDFC UPI virtual card - LTF
• Axis Flipkart - Paid
• Axis myZone - LTF
• AU XciteUltra - LTF
• IndusInd Legend - LTF
• IDFC First Select - LTF
• ICICI - Platinum/ Amazon/ Coral/ Rubyx(all 3 variant) - LTF
• SC Digismart - LTF
• Kotak League - LTF
• BOB Easy - LTF
• CITI Rewards - LTF after annual 30K spend
• HSBC platinum - LTF
• Federal Celesta - LTF

HDFC Tata Neu Infinity - FYF - application in progress.

Now I want to optimize.

I hope you can make some suggestions on adding / deleting credit cards to/ from my list.
Please suggest which cards to remove from the above list and add some new ones (if required).

How did you get SC Digismart LTF

Most of your cards are LTF only, don't think you should delete anything... unless you AIM for any further cards from BoB or SBI.
You can add cards based on your spend pattern (which is not shared).. where you can justify the rewards after annual fee