Which credit card should I keep for low spends ? MRCC or Apay ?

[mdhamza]

So recently I got a call from paisabazaar and they said I have a pre approved LTF offer for Amex Travel Platinum and MRCC. So I choose Travel Platinum. However the representative processed MRCC card that to it's chargeble and I have already received the card.

My spends are very low. Usually I use Amazon pay for fueling which is monthly 2500-3000.
And some random shopping from amazon which is usually under 1000 from amazon as I already have Prime so I get 5% off.
And yearly broadband/insurance which usually is under 10k.

My requirements for a credit card are decent cashback and lounge access.


My current cards-
1. Amazon Pay Icici (2.6 lakh)
2. BOB Card (1.5 lakh) will close this year.
3. Au Ixigo (2.7 lakh) (i use this as forex card and for lounge access only)
4. Standard Chartered Ease My trip (1.3 lakh) (planning to close this as well)


So should I activate MRCC because renewal fees is too much ? Also suggest me some cards with lounge access so that I can access lounge with my partner which is LTF or nominal annual charges.

 

[drabhishek90]

I think you should close the MRCC card since most of your Amazon spends will be covered by ICICI AMAZON CARD. Your spends are not high enough to justify a paid card.

 

[LiamHouse]

put in some effort and look around, it isn't difficult or nice to ask others to spoon feed you information already asked a million times.

 

[Ram1]

U better close mrcc,choose cashback cards from hdfc,sbi,axis

 

[Raghav2006]

So recently I got a call from paisabazaar and they said I have a pre approved LTF offer for Amex Travel Platinum and MRCC. So I choose Travel Platinum. However the representative processed MRCC card that to it's chargeble and I have already received the card.

My spends are very low. Usually I use Amazon pay for fueling which is monthly 2500-3000.
And some random shopping from amazon which is usually under 1000 from amazon as I already have Prime so I get 5% off.
And yearly broadband/insurance which usually is under 10k.

My requirements for a credit card are decent cashback and lounge access.


My current cards-
1. Amazon Pay Icici (2.6 lakh)
2. BOB Card (1.5 lakh) will close this year.
3. Au Ixigo (2.7 lakh) (i use this as forex card and for lounge access only)
4. Standard Chartered Ease My trip (1.3 lakh) (planning to close this as well)


So should I activate MRCC because renewal fees is too much ? Also suggest me some cards with lounge access so that I can access lounge with my partner which is LTF or nominal annual charges.

Keep Axis ace.
And SBI CB cc.
If you don't spend much it'll be 1500 plus gst p.a and you'll save more than that for sure.

 

[TechnoFi]

So recently I got a call from paisabazaar and they said I have a pre approved LTF offer for Amex Travel Platinum and MRCC. So I choose Travel Platinum. However the representative processed MRCC card that to it's chargeble and I have already received the card.

My spends are very low. Usually I use Amazon pay for fueling which is monthly 2500-3000.
And some random shopping from amazon which is usually under 1000 from amazon as I already have Prime so I get 5% off.
And yearly broadband/insurance which usually is under 10k.

My requirements for a credit card are decent cashback and lounge access.


My current cards-
1. Amazon Pay Icici (2.6 lakh)
2. BOB Card (1.5 lakh) will close this year.
3. Au Ixigo (2.7 lakh) (i use this as forex card and for lounge access only)
4. Standard Chartered Ease My trip (1.3 lakh) (planning to close this as well)


So should I activate MRCC because renewal fees is too much ? Also suggest me some cards with lounge access so that I can access lounge with my partner which is LTF or nominal annual charges.

Don't close any cards. If any card not used for 01 year then banks auto-close that card as per RBI guidelines.

 

[Ram1]

Don't close any cards. If any card not used for 01 year then banks auto-close that card as per RBI guidelines.

Why u need all that hassle? Unactivated card gets closed in a month.
Anyway card closure is just a call away