Suggestion/Advice on credit card portfolio-2025

[Kabir_1112]

Hello,
I would be looking for your help and suggestion for my credit card portfolio for 2025.
The following credit cards are currently that I'm holding for over 4 years and my annual spend is around 30-35 lakh. It is mostly on flight tickets, hotels and international spending. Mostly I'm interested in cards giving lounge access and having airline/hotel point conversion option with good return on spends. My current ITR is around 65 lakh.
1. Sbi vistara prime
2. Icici emeralde plastic
3. Diner black pvc
4. SC ultimate
5. AXIS magnus, horizon and miles and more
6. AMEX Reserve

All these cards and paid and I'm comfortable paying annual fees but limiting or not over 15k (including GST).
Would really appreciate it if I can get suggestions/advice on which cards are good for the upcoming year and which card can be closed/applied or upgraded this year. Also forex markup plays an important role for me.

 

[helloworld]

Thread 'Guide to Choosing the Right 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...

• helloworld
• Replies: 14
• Forum: Suggest me a Credit Card

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