need suggestion for card [keep or close]

[unknown420]

hello all
as said in title need your suggestion about recently activated cards

currently i have :
1. HDFC Best Price Save Max [4.20L] {Using Brother's Card - Not Mine} [2.5 Yrs]
2. HDFC Business Money Back [1.25L] + Rupay Virtual Card [Shared] [10 Months]
3. SBI Simply Click [45K Old - 10K Current - after Limit Split] [13 Months]
4. SBI Simply Save Rupay [35K] [New]
5. Amazon ICICI [1.90L] [New]
6. Flipkart Axis [1.49L] + Axis IOCL Rupay [Shared] [New]


I own small retail shop for SIM, Recharge & Mobile Accessories
everyday I have to Pay 15k+ Amount to Distributor [AirTel, Jio, VI] by UPI
[2.5L+ per month for VI Only]
VI was One of those who was Accepting Rupay Credit Card for UPI Payment and I had Only One Rupay Card [HDFC Virtual Rupay] with Only 1.25L Limit
so I applied for Rupay Card in SBI [Pre-Approved on Simply Click] & Axis IOCL and both approved

now after receving both cards [from SBI & Axis] VI Blocked Credit Card Payment so Rupay Cards are Useless for me
both Cards already Activated and Paid Joining Fees so confused [Close Now or Keep it and Close before Renewal]

what's your opinion... Please Reply...
[sorry for Bad English]

 

[akshayhs]

If you have already paid joining fee, keep them until the anniversary.

PS: Your English is fine. No need to be nervous about it.

 

[shake-all-Sphere]

I started my journey of cards with SBI simply save (secured) it is my oldest card which I do not use any more , shall i close it would have high impact on my cibil now that I have many good cards in my collection.

 

[unknown420]

If you have already paid joining fee, keep them until the anniversary.

PS: Your English is fine. No need to be nervous about it.

thanks for reply bro

one more thing
what you say about HDFC Card
already spent 4L+ within 10 months in Business Moneyback but didnt received any pre-approved offer [NO LE or Upgrade]
but received 3 LE [2.30L -> 3.10L -> 4.20L] in Best Price Save Max within 2 years
already applied for new card but application Reject with reply "request for LE" as I already have HDFC card

should I close Business Moneyback and apply for other variant or wait for upgrade offer..???
using card for Online Transaction [Amazon / Flipkart etc] and UPI

 

[fageriaji]

Hi everyone,
I have collection of these cards and want to close some cards. Please suggest me which card should I close...
1. Airtel Axis (1.6 L) used for Airtel postpaid/BB and electricity bill 300+300 cb
2. SBI PRIME (2.2L) for pizz hut voucher
3. Amex MRCC (2.4L)
4. HDFC MILLENNIA LTF (2.1L) for 1%cb and partner offers
5. SC TITANIUM (1.6L) only for fuel 5%CB of 200
6. SC SMART (1.6L) for 2% cb on online payment rent/govt/insurance
7. ICICI APAY LTF (4.6 L)
8. ICICI MMT Signature LTF (4.6L)
9. ICICI sapphire LTF (4.6 L)

 

[Riya Sharma]

hello all
as said in title need your suggestion about recently activated cards

currently i have :
1. HDFC Best Price Save Max [4.20L] {Using Brother's Card - Not Mine} [2.5 Yrs]
2. HDFC Business Money Back [1.25L] + Rupay Virtual Card [Shared] [10 Months]
3. SBI Simply Click [45K Old - 10K Current - after Limit Split] [13 Months]
4. SBI Simply Save Rupay [35K] [New]
5. Amazon ICICI [1.90L] [New]
6. Flipkart Axis [1.49L] + Axis IOCL Rupay [Shared] [New]


I own small retail shop for SIM, Recharge & Mobile Accessories
everyday I have to Pay 15k+ Amount to Distributor [AirTel, Jio, VI] by UPI
[2.5L+ per month for VI Only]
VI was One of those who was Accepting Rupay Credit Card for UPI Payment and I had Only One Rupay Card [HDFC Virtual Rupay] with Only 1.25L Limit
so I applied for Rupay Card in SBI [Pre-Approved on Simply Click] & Axis IOCL and both approved

now after receving both cards [from SBI & Axis] VI Blocked Credit Card Payment so Rupay Cards are Useless for me
both Cards already Activated and Paid Joining Fees so confused [Close Now or Keep it and Close before Renewal]

what's your opinion... Please Reply...
[sorry for Bad English]

Close: HDFC Business Money Back
both SBI cards

Then, upgrade Flipkart Axis to Axis Privilege and request LTF for Axis IOCL or close it too.

 

[Riya Sharma]

Hi everyone,
I have collection of these cards and want to close some cards. Please suggest me which card should I close...
1. Airtel Axis (1.6 L) used for Airtel postpaid/BB and electricity bill 300+300 cb
2. SBI PRIME (2.2L) for pizz hut voucher
3. Amex MRCC (2.4L)
4. HDFC MILLENNIA LTF (2.1L) for 1%cb and partner offers
5. SC TITANIUM (1.6L) only for fuel 5%CB of 200
6. SC SMART (1.6L) for 2% cb on online payment rent/govt/insurance
7. ICICI APAY LTF (4.6 L)
8. ICICI MMT Signature LTF (4.6L)
9. ICICI sapphire LTF (4.6 L)

Close: SBI Prime, SC Titanium

 

[Riya Sharma]

I started my journey of cards with SBI simply save (secured) it is my oldest card which I do not use any more , shall i close it would have high impact on my cibil now that I have many good cards in my collection.

yes 5 words

 

[fageriaji]

Close: SBI Prime, SC Titanium

Can you suggest fuel card for 4 to 5K monthly spend ?

 

[Riya Sharma]

Can you suggest fuel card for 4 to 5K monthly spend ?

AXIS IOCL LTF

 

[fageriaji]

AXIS IOCL LTF or AMEX MRCC

Axis IOCl is bounded only for IOCL and amex MRCC doesn't have any CB on fuel purchase

 

[Riya Sharma]

Axis IOCl is bounded only for IOCL and amex MRCC doesn't have any CB on fuel purchase

Yeah I guess you are right in that aspect. Axis IOCL is good, but you'd have to go to IOCL.

 

[unknown420]

Close: HDFC Business Money Back
both SBI cards

Then, upgrade Flipkart Axis to Axis Privilege and request LTF for Axis IOCL or close it too.

thanks for suggestion bro

already requested and closed both HDFC cards
requested to close SBI SimplyClick as it has only 10k limit

 

[shake-all-Sphere]

yes 5 words

Sorry didnt get you?

 

[Riya Sharma]

Sorry didnt get you?

Yes. You should close it.