Need suggestion on which credit card to close

[Creditcard_Veteran]

Hi all,

I am currently holding these cards

1. Citibank Indian oil credit card (LTF) (Rebranded to Axis now) (I can't close it as it will impact credit history. It is my oldest card ~18 years but I dont use it. )
2. HDFC Regalia gold (LTF) (Use it sometimes)
3. SC Ultimate (Renewal fee but get equivalent reward points) (My primary card which I use the most due to rewards on any spend offline or online. I know about the devaluations in past year and not so good redemption options)
4. Amex Travel platinum (Renewal fee) ( Recently got this card due to travel benefits it has to offer)

I dont want to keep too many credit cards and want to close at least one of these or two if possible. Please advise which ones I should close. My total annual spend on credit cards is ~12-15L. How can I optimize my spend from above options if I keep two or three out of the four listed. SC ultimate used to be my favorite as I used to spend almost everything from it but now only useful for Mariott voucher redemptions but I guess Amex Travel Platinum will be a better choice for that ?

 

[Umang85]

You would be using the Amex Platinum and SC Ultimate..
That leaves you with HDFC Regalia Gold and your oldest card.
My suggestion would be not to close any cards. Because if you close your oldest card, it would impact your credit history life. And you would get some offers from time to time on Regalia Gold.

 

[arthurmorgan]

I have below. Need suggestion on what to close, getting difficult to manage

• ICICI apay
• IDFc first select
• ICICI rubyx Amex / mastercard
• Kotak league legend ( this isn’t LTF )
• ICICI coral rupay
• Tata neu infinity ( just got )

 

[vine]

I

• Kotak league legend ( this isn’t LTF )
• 
  
• Tata neu infinity ( just got )

So only these two are paid cards?
All others are LTF?

 

[Anupama_Jha]

I have below. Need suggestion on what to close, getting difficult to manage

• ICICI apay
• IDFc first select
• ICICI rubyx Amex / mastercard
• Kotak league legend ( this isn’t LTF )
• ICICI coral rupay
• Tata neu infinity ( just got )

IMO, close ICICI Coral

 

[TakeNoFineOh]

What to close?
Axis FK LTF
Axis airtel paid
BOB Eterna LTF
BOB snapdeal LTF
HDFC regalia LTF
ICICI MMT signature, now LTF
SBI cashback paid
SBI BPCL platinum paid

 

[vine]

What to close?
Axis FK LTF
Axis airtel paid
BOB Eterna LTF
BOB snapdeal LTF
HDFC regalia LTF
ICICI MMT signature, now LTF
SBI cashback paid
SBI BPCL platinum paid

ICICI MMT signature, -- I dont see any use of it, get another ICICI card and close it.

 

[TakeNoFineOh]

ICICI MMT signature, -- I dont see any use of it, get another ICICI card and close it.

The only other LTF iam getting is coral, I have icici wealth account, hoping for a higher card to come LTF, right now pre-approved sapphiro is paid, no value in it. That's why sticking to MMT signature for icici offers

 

[DeadFella]

All of them seems good. I think there no need to close any. I am holding 20+ cards and can't find anything new to apply.

 

[DeadFella]

I have below. Need suggestion on what to close, getting difficult to manage

• ICICI apay
• IDFc first select
• ICICI rubyx Amex / mastercard
• Kotak league legend ( this isn’t LTF )
• ICICI coral rupay
• Tata neu infinity ( just got )

Kotak league should be closed.

 

[vine]

The only other LTF iam getting is coral, I have icici wealth account, hoping for a higher card to come LTF, right now pre-approved sapphiro is paid, no value in it. That's why sticking to MMT signature for icici offers

Am not familiar with MMT signature, if Coral seems better , then take it.
Even if you have wealth account, you will not get Sapphiro as LTF.

 

[arthurmorgan]

Kotak league should be closed.

Is it not good even with 1L spend criteria for waive off ? Also i'm not sure if the lounge access program or other reward points are nice here, I currently have around 4.5K reward points, did not find anything good to redeem this

 

[prpillz]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

 

[Anupama_Jha]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

Total combined Limit 😮

 

[nishank]

Any comments on below

Credit Card
Yes Excl	LTF
Indus Pinnacle	LTF
BOB Eterna	Paid
ICICI Emerald	Paid
IDFC Club Visatara	Paid
HDFC Swiggy	LTF
IDFC Wealth	LTF
IDFC Mayura	Paid
HDFC Infinity	LTF
Axis Atlas	Paid
Kotak White	LTF
SBI Pulse	Paid
AU Vetta	LTF
Once card	LTF
SBI Simpli	LTF
Fed Imperio	LTF
ICICI Amazon	LTF
Stan Rewards	LTF
HSBC Plat	LTF
Icici Coral	LTF
Axis Indian Oil	LTF
HDFC Privelege	LTF
Amex Rewards	Paid
Amex Platinum	Paid

 

[Umang85]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

Would close:
1. Scb Manhattan. - since swiggy card is also there.
2. Scb EMT - axis horizon is also there so not sure about 2 travel cards both paid.
3. SCB Super value - since you already use axis ace for utility.

 

[prpillz]

Total combined Limit 😮

Around 31L combined Credit Limit

 

[prpillz]

Would close:
1. Scb Manhattan. - since swiggy card is also there.
2. Scb EMT - axis horizon is also there so not sure about 2 travel cards both paid.
3. SCB Super value - since you already use axis ace for utility.

Yes planning to close these after redeeming the cashbacks

 

[hedgehog2122]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

Nice collection of cc's

 

[vine]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

You basically have only one LTF card.
Just Close SCB cards first. These have zero support and cause a lot of anxiety.
Try to make all HDFC cards to LTF, because it's possible for these.