Should I close Axis Flipkart LTF now that I have HDFC Swiggy LTF

[iamvk]

Dear Legends,

I want to reduce credit exposure and be able apply for SBI Cashback card. I have Axis Rewards (Paid and will be closed if they don't offer LTF) and Axis Flipkart LTF. My expenses on Flipkart is minimal over the past year. I also have HDFC Swiggy LTF. I'm thinking to close Axis Flipkart as I get 5% cashback anyways on HDFC Swiggy. As a backup I have Millenia DC as well. Amazon ICICI and Tata Nue Infinity are other cards I have.

Any one noticed issues Swiggy Cashback for Flipkart?

Suggestions are much appreciated.

 

[Anindya98]

Dear Legends,

I want to reduce credit exposure and be able apply for SBI Cashback card. I have Axis Rewards (Paid and will be closed if they don't offer LTF) and Axis Flipkart LTF. My expenses on Flipkart is minimal over the past year. I also have HDFC Swiggy LTF. I'm thinking to close Axis Flipkart as I get 5% cashback anyways on HDFC Swiggy. As a backup I have Millenia DC as well. Amazon ICICI and Tata Nue Infinity are other cards I have.

Any one noticed issues Swiggy Cashback for Flipkart?

Suggestions are much appreciated.

My suggestion is to continue your FK Axis as it is LTF and above 30K spends on FK Swiggy HDFC is useless.

 

[iamvk]

My suggestion is to continue your FK Axis as it is LTF and above 30K spends on FK Swiggy HDFC is useless.

I agree. but for large amount purchases I prefer Amazon. So I feel I won't go beyond even 5k per month except if it a mobile purchase (Nothing phone specifically).

 

[techprince]

Axis Grabdeals gives you additional 5-6% cb on top of 5% cb of Axis FK.

 

[Mr. BeanMr. Bean is verified member.]

In general, I wouldn't advice on closing an LTF card (that is usually a paid for others).

want to reduce credit exposure and be able apply for SBI Cashback card

If this is the case, then yes, close it.

Optionally, since you have an ICICI CC, you may reduce the credit limit (to reduce the overall credit limit across ALL cards) and increase it after getting an SBI CC.

 

[Beyond]

Unlimited cashback vs capped cashback on flipkart, choice is yours

 

[Anindya98]

I agree. but for large amount purchases I prefer Amazon. So I feel I won't go beyond even 5k per month except if it a mobile purchase (Nothing phone specifically).

I agree with @Beyond

Post in thread 'Should I close Axis Flipkart LTF now that I have HDFC Swiggy LTF'

Feb 8, 2025

Unlimited cashback vs capped cashback on flipkart, choice is yours

• Beyond

• 

 

[TheTrickySid]

Optionally, since you have an ICICI CC, you may reduce the credit limit (to reduce the overall credit limit across ALL cards) and increase it after getting an SBI CC.

How do you do that?