Suggestions on HDFC credit card closures and conversions to LTF

[Gownandha]

Hi everyone,

I currently hold the following HDFC credit cards:
Total - 8

1. Millennia (LTF)
2. UPI rupay (25k/ year spends for annual fee reversal)
3. Swiggy (FYF)
4. Pixel Play (rupay and visa - LTF)
5. Tata Neu Infinity (FYF)
6. Indian Oil (LTF)
7. Business Regalia (LTF)

I’m planning to streamline my cards by closing a few and keeping only the ones that are most beneficial to my spending habits. I’m seeking advice on which cards to keep and which ones to close.


Additionally, I’d like to convert the Tata Neu Infinity and Swiggy cards to LTF. I got both cards through their respective apps (Tata Neu and Swiggy). Could someone guide me on the process to achieve this?

Looking forward to your suggestions and insights.

Thank you in advance.

 

[helloworld]

Are you seeing 8 accounts in CIBIL?

also, for better suggestion, follow this..

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

• 
• 
• 

 

[RAMESH BABU N]

You say you want to trim based on your spending pattern.

How can anyone suggest, without knowing what's that pattern ?

Don't depend on other's suggestions. You decide n act.

 

[Gownandha]

Are you seeing 8 accounts in CIBIL?

also, for better suggestion, follow this..

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

• 
• 
• 

IOCL, Tata Neu INFINITY and Buisness regalia are add on cards. All other show up at cibil.

 

[Gownandha]

You say you want to trim based on your spending pattern.

How can anyone suggest, without knowing what's that pattern ?

Don't depend on other's suggestions. You decide n act.

I mostly spend money on Amazon , Flipkart and rupay offline transactions. Usual spends are around 2-3L a month. Also have Amazon pay ICICI and Flipkart axis cards. Looking to keep both. But planning to trim HDFC because I mostly use this only for offers on Amazon and Flipkart.

 

[helloworld]

I mostly spend money on Amazon , Flipkart and rupay offline transactions. Usual spends are around 2-3L a month. Also have Amazon pay ICICI and Flipkart axis cards. Looking to keep both. But planning to trim HDFC because I mostly use this only for offers on Amazon and Flipkart.

for this requirement alone keep 'millennia' and close all, no use to you.

more, do check above thread to analyze your spend pattern along with existing cards.

 

[aniketkr.sharma]

Hi everyone,

I currently hold the following HDFC credit cards:
Total - 8

1. Millennia (LTF)
2. UPI rupay (25k/ year spends for annual fee reversal)
3. Swiggy (FYF)
4. Pixel Play (rupay and visa - LTF)
5. Tata Neu Infinity (FYF)
6. Indian Oil (LTF)
7. Business Regalia (LTF)

I’m planning to streamline my cards by closing a few and keeping only the ones that are most beneficial to my spending habits. I’m seeking advice on which cards to keep and which ones to close.


Additionally, I’d like to convert the Tata Neu Infinity and Swiggy cards to LTF. I got both cards through their respective apps (Tata Neu and Swiggy). Could someone guide me on the process to achieve this?

Looking forward to your suggestions and insights.

Thank you in advance.

You can close business regalia, pixel play, upi rupay