Need suggestion on which credit card to close

[vine]

IMO , only Atlas is worth paid.
Eterna and Emerald you can try to make it LTF.
Since you have Amex cards, I guess most of the spends might go here.
Am not familiar with other paid cards. Close them if it's not worth it.

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

 

[cesc007]

Rule no-1 Alway keep your LTF cards

 

[nishank]

IMO , only Atlas is worth paid.
Eterna and Emerald you can try to make it LTF.
Since you have Amex cards, I guess most of the spends might go here.
Am not familiar with other paid cards. Close them if it's not worth it.

Thinking of keeping Atlas only for first year. Tried to convert BOB LTF but they have refused

 

[prpillz]

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.

Scb cards are one of the oldest cards i have. Planning to keep SCB Smart card for Government and Insurance payments. How to make hdfc cards LTF?

 

[Ankur15991]

Cards​	Limit​	Annual Fee​
CardCardCard​	Limit​	Ann. Fee​
ICICI Platinum	560000​	LTF​
ICICI Amazon Pay	Shared​	LTF​
ICICI MMT Signature	Shared​	LTF​
ICICI Coral Rupay	Shared​	LTF​
IndusInd Legend	56307​	LTF​
IndusInd Platinum Rupay	46693​	LTF​
IndusInd Eazydiner	100000​	LTF​
HDFC Regalia Rupay	532000​	LTF​
HDFC Tata Neu	Shared​	1499​
SBI Cashback	194000​	LTF​
Axis Atlas	590000​	5000​
Axis Airtel	Shared​	500​
Axis Online Rewards	Shared​	999​
AU Bank Zenith	500000​	LTF​
Yes Bank Marquee	100000​	5000​
SC Platinum Rewards	332900​	LTF​
Amex Platinum Travel	470000​	5000​
Amex Gold Charge	NA​	4500​
RBL Paisa On Demand	245000​	LTF​
HSBC Platinum	123000​	LTF​
One Card	560000​	LTF​

Any suggestions on this?
I want to close few cards, confused how many and which are i should close.
My Annuals spends are 12-15 Lakhs through credit cards.

 

[helloworld]

Thread 'Guide to suggest a credit card - Basic requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000
   • Offline...

• helloworld
• Replies: 8
• Forum: Suggest me a Credit Card

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