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Which Debit or Credit Card Have You Closed (or Plan to) in 2025 & Why?

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Anindya98

Anindya98

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As we step into 2025, many are re-evaluating their financial choices, including which debit or credit cards to keep or close. Whether it's due to high fees, reduced benefits, better alternatives, or simply streamlining finances, card closures are a key part of financial management. Share your experiences—Which debit or credit card have you already closed or are planning to close in 2025, and what led to your decision?

Cards I have already closed in 2025 and the reasons for their closure.
Credit Cards:
  • HDFC Tata Neu Plus (Rupay) - HDFC was not upgrading my card to Infinity or any other HDFC Core card and the limit was quite low compared to my other cards, they gave me 1 LE from 45K to 74K.
  • ICICI Times Prime (Visa) - I acquired it solely as a collectible.
Debit Cards:
  • ICICI WM MC World upgraded to ICICI Wealth Select Visa Infinite.
Credit Cards: (Scheduled for closure upon renewal)
  • IDFC Ashva (Visa) - Depends on IDFC Renewal Benefits.
  • RBL BMS Play (MC) - Got it FYF from 2nd year doesn't make any sense after BMS discontinued the Superstar program.
  • SBM One Card (FD) (Visa) - Not getting an unsecured card upgrade offer will close after maturity.
  • Axis Neo (Rupay) - Upgrade to some other card.
Debit Cards: (Scheduled for closure upon renewal)
  • BOB Rupay Platinum(Blue One)
  • BOB Bharat Petroleum Rupay Platinum
  • BOB Sapphire - Devaluation in Airport Pick up & Drop Service.
Cards I am Planning to get in 2025:
  • ICICI Emerald Metal
  • HDFC CC will open a new account and wait for pre-approved offers
  • IDFC Private Metal DC
  • BOB Snapdeal LTF (Rupay)
  • Indusind Eazydiner Signature
  • RBL Shoprite LTF
  • Indusind Delight DC
  • Kotak 811 Super Account

Feel free to share your thoughts and portfolio.
 
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Anindya98 said:
As we step into 2025, many are re-evaluating their financial choices, including which debit or credit cards to keep or close. Whether it's due to high fees, reduced benefits, better alternatives, or simply streamlining finances, card closures are a key part of financial management. Share your experiences—Which debit or credit card have you already closed or are planning to close in 2025, and what led to your decision?

Cards I have already closed in 2025 and the reasons for their closure.
Credit Cards:
  • HDFC Tata Neu Plus (Rupay) - HDFC was not upgrading my card to Infinity or any other HDFC Core card and the limit was quite low compared to my other cards, they gave me 1 LE from 45K to 74K.
  • ICICI Times Prime (Visa) - I acquired it solely as a collectible.
Debit Cards:
  • ICICI WM MC World upgraded to ICICI Wealth Select Visa Infinite.
Credit Cards: (Scheduled for closure upon renewal)
  • IDFC Ashva (Visa) - Depends on IDFC Renewal Benefits.
  • RBL BMS Play (MC) - Got it FYF from 2nd year doesn't make any sense after BMS discontinued the Superstar program.
  • SBM One Card (FD) (Visa) - Not getting an unsecured card upgrade offer will close after maturity.
  • Axis Neo (Rupay) - Upgrade to some other card.
Debit Cards: (Scheduled for closure upon renewal)
  • BOB Rupay Platinum(Blue One)
  • BOB Bharat Petroleum Rupay Platinum
  • BOB Sapphire - Devaluation in Airport Pick up & Drop Service.

Feel free to share your thoughts and portfolio.
Click to expand...
None, i already sorted down my portfolio of cards to 5 cards.

Regalia Gold maybe upgraded to dcbm for daily usage
Tata Neu Infinity for upi payments
Sbi Cashback for online usage
Amazon Pay ICICI for backup and oldest card
Icici Coral RuPay for backup

Will not apply any card for this year.
 
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Closed RBL Shoprite today! They were just offering one more year free, but I resisted for LTF.

SCHEDULED to CLOSE:

YES virtual - To get any co-branded or physical variant

Axis Ace - 1% inconvenience fee

BOB HPCL & Kotak virtual - Increasing leverage in CIBIL
 
I am planning to close Axis Ace in September.
I am also on the fence about closing BOB Premier. It is LTF but the main reason I had gotten that was to get BOB Snapdeal LTF. Now that I have received BOB Snapdeal, I am not seeing any use case for Premier. But since it is a core card & is placed second in BOB's pecking order, I am also a bit hesitant to close it.
 
Jeevan rao said:
I am planning to close Axis Ace in September.
I am also on the fence about closing BOB Premier. It is LTF but the main reason I had gotten that was to get BOB Snapdeal LTF. Now that I have received BOB Snapdeal, I am not seeing any use case for Premier. But since it is a core card & is placed second in BOB's pecking order, I am also a bit hesitant to close it.
Click to expand...
Yeah, that's why I will close HPCL one😉

Will keep both Snapdeal and Premier
 
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Jeevan rao said:
I am planning to close Axis Ace in September.
I am also on the fence about closing BOB Premier. It is LTF but the main reason I had gotten that was to get BOB Snapdeal LTF. Now that I have received BOB Snapdeal, I am not seeing any use case for Premier. But since it is a core card & is placed second in BOB's pecking order, I am also a bit hesitant to close it.
Click to expand...
Anupama_Jha said:
Yeah, that's why I will close HPCL one😉

Will keep both Snapdeal and Premier
Click to expand...
I received the BOB Easy (Visa) LTF card this month.
Could you let me know when I can expect the Snapdeal LTF offer? Based on your experience.
 
Jeevan rao said:
I am planning to close Axis Ace in September.
I am also on the fence about closing BOB Premier. It is LTF but the main reason I had gotten that was to get BOB Snapdeal LTF. Now that I have received BOB Snapdeal, I am not seeing any use case for Premier. But since it is a core card & is placed second in BOB's pecking order, I am also a bit hesitant to close it.
Click to expand...
I am also in the same boat. Not sure if I should close Premier or not
 
Closing Kiwi credit card once neon membership ends .

I'm thinking of shifting UPI spends to any Axis or HDFC cards only reason is having good spends ( combined online & POS Visa + UPI rupay ) leads to good limit enhancement in HDFC & Axis cards which will enable me to upgrade to premium cards of these banks. In next 2 years .
 
Will close Axis Ace with same reason as @Anupama_Jha
Have gotten better card - Axis airtel card for 10% on utility
SBI simply click upon renewal.

Will replace my PNB RuPay classic DC to RuPay Platinum DC (if offer extended for next year).

Will also close Axis Liberty Savings account and Unity Bank Account.
 
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