Suggestions for my Credit Card Portfolio

[Delsin]

HDFC DCB LTF - Alumni
HDFC Swiggy Paid - Food Spends
HDFC Tata Neu LTF - Grocery/Tata
HDFC IRCTC LTF - Train Spends
SBI Cashback Effectively LTF - Online Spends
SBI BPCL Effectively LTF - Amazon/Flipkart SBI Offers - Fuel
Axis Flipkart Paid - Flipkart - Can Close
Axis IOCL LTF - Fuel
Axis Airtel Paid - Telecom Spends
ICICI Amazon Pay LTF - Amazon
ICICI Sapphiro LTF - ICICI Offers
AU LIT LTF - Offline
IDFC Select LTF - IDFC Offers
Indusind Pinnacle LTF - Indusind Exclusive Account
Federal Celesta LTF - Federal Offers
Kotak League LTF - Grocery/Kotak Offers


Annual Charges - 500 (Swiggy) + 500 (Flipkart) + 500 (Airtel) = 1500

Above is my portfolio. Please recommend next best card aligned to travel or offline purchases. In India I prefer trains but I just go on 1 International trip in a year and take few domestic flights. I want the next card focused towards travel benefits. Even if the card is not travel aligned and can help me to save money/get offers I will love to hear that. Should I close any of these cards ? Won't that affect credit score ? Thanks for your time.

 

[Shobhit Srivastava]

HDFC DCB LTF - Alumni
HDFC Swiggy Paid - Food Spends
HDFC Tata Neu LTF - Grocery/Tata
HDFC IRCTC LTF - Train Spends
SBI Cashback Effectively LTF - Online Spends
SBI BPCL Effectively LTF - Amazon/Flipkart SBI Offers - Fuel
Axis Flipkart Paid - Flipkart - Can Close
Axis IOCL LTF - Fuel
Axis Airtel Paid - Telecom Spends
ICICI Amazon Pay LTF - Amazon
ICICI Sapphiro LTF - ICICI Offers
AU LIT LTF - Offline
IDFC Select LTF - IDFC Offers
Indusind Pinnacle LTF - Indusind Exclusive Account
Federal Celesta LTF - Federal Offers
Kotak League LTF - Grocery/Kotak Offers


Annual Charges - 500 (Swiggy) + 500 (Flipkart) + 500 (Airtel) = 1500

Above is my portfolio. Please recommend next best card aligned to travel or offline purchases. In India I prefer trains but I just go on 1 International trip in a year and take few domestic flights. Even if the card is not travel aligned and can help me to save money/get offers I will love to hear that. Should I close any of these cards ? Won't that affect credit score ? Thanks for your time.

Brother for better suggestion needed, please provide your spending pattern, only then anyone can suggest you suitable cards

 

[helloworld]

HDFC DCB LTF - Alumni
HDFC Swiggy Paid - Food Spends
HDFC Tata Neu LTF - Grocery/Tata
HDFC IRCTC LTF - Train Spends
SBI Cashback Effectively LTF - Online Spends
SBI BPCL Effectively LTF - Amazon/Flipkart SBI Offers - Fuel
Axis Flipkart Paid - Flipkart - Can Close
Axis IOCL LTF - Fuel
Axis Airtel Paid - Telecom Spends
ICICI Amazon Pay LTF - Amazon
ICICI Sapphiro LTF - ICICI Offers
AU LIT LTF - Offline
IDFC Select LTF - IDFC Offers
Indusind Pinnacle LTF - Indusind Exclusive Account
Federal Celesta LTF - Federal Offers
Kotak League LTF - Grocery/Kotak Offers


Annual Charges - 500 (Swiggy) + 500 (Flipkart) + 500 (Airtel) = 1500

Above is my portfolio. Please recommend next best card aligned to travel or offline purchases. In India I prefer trains but I just go on 1 International trip in a year and take few domestic flights. I want the next card focused towards travel benefits. Even if the card is not travel aligned and can help me to save money/get offers I will love to hear that. Should I close any of these cards ? Won't that affect credit score ? Thanks for your time.

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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[helloworld]

hould I close any of these cards ? Won't that affect credit score ?

no affect as long as you have atleast 1 card to contribute score, can close safely, no issues.