Suggest to consolidate or close and optimize my cards please

[cardio_guy]

Hey All,
I'm taking another look at my card collection. I'm considering closing or consolidating some cards, or maybe switching to more efficient ones for all my needs.
Just to give you some background, I started this card journey back in November 2022. It's been almost 2 years now and I've applied for and closed quite a few cards along the way. So here's where I'm at:

Spends:

• - For my daily expenses, grocery shopping, and offline UPI payments, I spend around 25k per month.
• - When it comes to Amazon purchases, I use it for all my water and electricity payments, as well as some grocery shopping and other stuff.
• - Swiggy is my go-to for most grocery shopping, Instamart, Genie, and Dineout.
• - Occasionally, I use Jio Mart if there are items I can't find on Amazon or Swiggy.
• - I pay around 12k per quarter for LIC premiums.
• - Fuel costs me around 10k per month.
• - I travel by train or flight once a month, usually spending no more than 20k for a round trip.
• - I don't stay in hotels regularly, maybe once a quarter or 3-4 times a year, and never for more than 2-3 days.
• - Miscellaneous expenses amount to around 20k per month.

As for bank accounts:
- I have my salary account with ICICI Bank.
- For all other purposes, I use SBI as my savings account.

Credit Cards:

Card	Limit, Fee	Uses
ICICI Amazon Pay	10L, LTF	Primarily for all Amazon purchases, and other miscellaneous. Mainly because direct cashback to Amazon Pay Wallet which I can use for purchases.
ICICI Sapphiro	10L, LTF	For B1G1 movie offers, and Lounge Access. But spends are considerably less on this now.
ICICI Coral Rupay	LTF, 10L Shared with Sapphiro	Not using. No impact even if I close this.
HDFC Swiggy	1.24L, 500 + 500 (waived for 2L annual spend)	Mainly for Swiggy Genie, Instamart, and Swiggy food. 10% cashback. Also for other online purchases. (Mostly to meet 2L limit)
Federal Celesta	5L, LTF	For Lounge access. Now a days Federal is giving lot of offers on their cards. Haven't used much, but I am thinking of using this looking at the rewards/cashbacks/points.
Federal Wave Rupay	5L, LTF, shared with Celesta	This is my primary UPI card, linked to Google Pay. Using it for all UPI scans.

I just need one or two cards. Any better alternatives? Or this is enough? Kindly suggest.

 

[drsel]

Get Axis Airtel, SBI cashback and Axis atlas

 

[mj01]

Get rid of coral. No point holding sapphiro and coral. If your salary/ NRV with ICICI is good, try to push for emeralde private (not easy to get, but worth a try) - if successful, you can get rid of sapphiro and celesta. Alternatively, Yes Marquee will also pretty much offer all benefits you get from Sapphiro/ celesta.