Need suggestion on card portfolio

[dungeonMaster]

I am currently holding these cards -
1. Axis Magnus (Not burgundy) - 15L limit - have reached 12L spends, got confirmation for cc that renewal will not be charged. So might hold it for another year for bms/eazydiner benefits.

2. SBI cashback (chargeable) - 2.5L limit - very useful as I mostly do online shopping only.

3. ICICI Amazon pay (LTF) - Not using it currently, but might came handy if SBI devalues cb card

4. ICICI MMT Platinum (LTF) - Not useful as well since lounges are devalued now as well. But it's my first card. Not sure whether to close it or not although, amazon pay and mmt have 6 month diff only

5. Bob Premeire rupay (LTF) - Not using currently, maybe just for bank offers or rupay offers

6. PNB rupay select - rupay select benefits + frequent upi uses

7. HDFC Millenia diners (chargeable) - 2L limit- renewal is low at 1L achievable but not a fancy card

8. Hdfc tata neu infinity (LTF) - good for upi and tata sites + hdfc offer

9. IDFC wealth (LTF) - 6.5L limit - good for movies and reward rates is fine with most MCCs like wallet also included.

10. Kotak zen signature (LTF) - 4L limit - not useful much other than bank offers.

11. Axis Atlas (chargeable) - recently acquired base reward seems good.

Please suggest cards which I should consider to close or acquire. I need cards with good return rates, doesn't matter if the return is in rps or travel points.
Also looking to close some cards to limit my credit exposure for acquiring future cards.

Future cards considering -
1. Amex Plat Travel (or trifecta)
2. SBI Vistara
3. Yes Marquee
4. Bob Eterna

 

[dungeonMaster]

Magnus was peak time, even used to pay my sister's coaching fees with it.
Only alternative seems Atlas with 4% rewards for all transactions.

 

[DaDarkkNight]

You should have amex plat travel card in your portfolio as it is already evident you are already redeeming into airmiles etc via your magnus and atlas cards. Also, plat travel is a 4l annual spend card and the milestones are easily acheivable and no restrictions like other banks for milestone spends, even you can do wallet load to meet them if you fall short at end of the year

I think PNB rupay can be closed, you are already having many psu banks cc. Try getting their rupay select debit card instead

 

[MS R]

I am currently holding these cards -
1. Axis Magnus (Not burgundy) - 15L limit - have reached 12L spends, got confirmation for cc that renewal will not be charged. So might hold it for another year for bms/eazydiner benefits.

2. SBI cashback (chargeable) - 2.5L limit - very useful as I mostly do online shopping only.

3. ICICI Amazon pay (LTF) - Not using it currently, but might came handy if SBI devalues cb card

4. ICICI MMT Platinum (LTF) - Not useful as well since lounges are devalued now as well. But it's my first card. Not sure whether to close it or not although, amazon pay and mmt have 6 month diff only

5. Bob Premeire rupay (LTF) - Not using currently, maybe just for bank offers or rupay offers

6. PNB rupay select - rupay select benefits + frequent upi uses

7. HDFC Millenia diners (chargeable) - 2L limit- renewal is low at 1L achievable but not a fancy card

8. Hdfc tata neu infinity (LTF) - good for upi and tata sites + hdfc offer

9. IDFC wealth (LTF) - 6.5L limit - good for movies and reward rates is good with most MCCs like wallet also included. Converted 1L txn to emi and was assured 37k rps ~ 9k which is greater than the interest + proccessing fees.

10. Kotak zen signature (LTF) - 4L limit - not useful much other than bank offers.

11. Axis Atlas (chargeable) - recently acquired base reward seems good.

Please suggest cards which I should consider to close or acquire. I need cards with good return rates, doesn't matter if the return is in rps or travel points.
Also looking to close some cards to limit my credit exposure for acquiring future cards.

Future cards considering -
1. Amex Plat Travel (or trifecta)
2. SBI Vistara
3. Yes Marquee
4. Bob Eterna

9. IDFC wealth (LTF) - 6.5L limit - good for movies and reward rates is good with most MCCs like wallet also included. Converted 1L txn to emi and was assured 37k rps ~ 9k which is greater than the interest + proccessing fees.

can u please share bit more info abt reward points /emi ??

 

[dungeonMaster]

I had a bill of around 1.3L on idfc cc, received sms if I convert to emi then bonus 37k rps will be credited. Confirmed the same with cc over call. So converted the bill to 3month emi with interest around 6k + 1k processing fee. 37k reward points ~ 9k rs so I am in benefit while using emi.

 

[helloworld]

I had a bill of around 1.3L on idfc cc, received sms if I convert to emi then bonus 37k rps will be credited. Confirmed the same with cc over call. So converted the bill to 3month emi with interest around 6k + 1k processing fee. 37k reward points ~ 9k rs so I am in benefit while using emi.

you should separate or specifically mention targeted offer, including in main post may lead thinking that is a product feature.

 

[dungeonMaster]

you should separate or specifically mention targeted offer, including in main post may lead thinking that is a product feature.

Apologies for confusion, but IDFC do generally give rps on emi transactions. Like generally there's some offer going on.

 

[dungeonMaster]

cards finalised for closure -
1. PNB rupay select - since same benefits can be availed through debit cards will be closing this one.

currently doubtful -
1. ICICI amz pay - not much useful as now, for online shopping have only used sbi cb card and for base rewards have better cards.
2. Kotak zen signature - keeping only for ltf status don’t use this apart from sale offers, considering myntra kotak for now.

Others-
1. BOB premier - given bamboo to bob, trying to upgrade to eterna. Let’s see.

 

[DaDarkkNight]

cards finalised for closure -
1. PNB rupay select - since same benefits can be availed through debit cards will be closing this one.

currently doubtful -
1. ICICI amz pay - not much useful as now, for online shopping have only used sbi cb card and for base rewards have better cards.
2. Kotak zen signature - keeping only for ltf status don’t use this apart from sale offers, considering myntra kotak for now.

Ok

Others-
1. BOB premier - given bamboo to bob, trying to upgrade to eterna. Let’s see.

Is bob a panda?

 

[dungeonMaster]

Ok

Is bob a panda?

I wished so 🥲

 

[diptarkaroy]

cards finalised for closure -
1. PNB rupay select - since same benefits can be availed through debit cards will be closing this one.

currently doubtful -
1. ICICI amz pay - not much useful as now, for online shopping have only used sbi cb card and for base rewards have better cards.
2. Kotak zen signature - keeping only for ltf status don’t use this apart from sale offers, considering myntra kotak for now.

Others-
1. BOB premier - given bamboo to bob, trying to upgrade to eterna. Let’s see.

How are you pursuing BOB for Eterna LTF upgrade?