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

[Anindya98]

@Anindya98 can you please clarify

Yeah, I saw your query earlier will clarify tomorrow as yesterday and today are bank holidays. I will call the agent tomorrow and let you know.

 

[Nishan11]

Closed in last 2 months :-

Idfc vistara
Kotak pvr inox
Icici Platinum
Icici times black ( before activation)
Icici emeralde pvc
Sbi vistara
Axis privilege
Hdfc tata neu infinity
Hdfc marriott
Bob snapdeal

No plan to close any other existing card.

 

[TheTrickySid]

Yeah, I saw your query earlier will clarify tomorrow as yesterday and today are bank holidays. I will call the agent tomorrow and let you know.

Okk sure thanks

 

[Anindya98]

Idfc vistara

IDFC vistara - redemption options for AI is horrible. Not worth keeping.

Are there any alternative options?
I am also very disappointed with AI redemption points.

Bob snapdeal

why any specific reason?

 

[Nishan11]

Are there any alternative options?
I am also very disappointed with AI redemption points.

why any specific reason?

Just wanted to keep cards which I use at least once in 2-3 months. And I wanted to optimize my credit card portfolio.

 

[telescope]

Are there any alternative options?
I am also very disappointed with AI redemption points.

Nothing as of now

 

[iamnisanth]

I have 26 credit cards. Planning to close only one card in first quarter.

Axis Ace: Planning to close it next month. Paid Card. It is useless as I already hold Live+ & HDFC Neu ♾️ for offline spends, SBI CB and Axis Airtel for Bill payments.

SCB EaseMyTrip: Paid Card. I had to withdraw my cancellation request as they credited 500inr to retain the card. Will hold it for a year.

 

[6ix9ine]

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.

Closed HDFC Platinum Debit Card 🙂

cc: @desiviru

 

[desiviru]

Closed HDFC Platinum Debit Card 🙂

cc: @desiviru

Just come to Millennia now. Millennia will not gets closed due to sBuy and Pzapp.

The reason I never went to ESP paid off. Also it had 40K for reward equal to 16K in millennia. Even if all stops DC or change MCC, Millennia will continue to be active due to 6.46% AmyJohn.

 

[harsha1]

When is SBI's FY ends, for their CC target completion ? 😄 to find any their RM or agent to provide LTF CC's

 

[2025]

Closed HDFC Platinum Debit Card 🙂

cc: @desiviru

1. Me too ordered Millennia closing platinum DC.
2. Closed pnb ncmc DC and ordered select DC.

 

[Anindya98]

Closed pnb ncmc DC and ordered select DC.

Any specific benefits or just RSDC benefits?

 

[2025]

Any specific benefits or just RSDC benefits?

RSDC only .

 

[Anindya98]

RSDC only .

PNB RSDC charges, account variant, and any MAB required?

 

[Arkapal Sen]

february's biggest closed card : hdfc platinum dc
february's biggest assigned card : hdfc millenia dc

 

[2025]

PNB RSDC charges, account variant, and any MAB required?

Issue fee- 500+ GST, annual fee- 750+GST.
Regular saving fund account.

Quarterly Average Balance (QAB)- 50,000+

 

[pradeepG]

I already have BOB Premier & BOB HPCL whats the possibility of getting a LTF BOB snapdeal after closing BOB HPCL

following . .

 

[Ram1]

The card in my portfolio which I hate it but won't close it - Hdfc Tataneu infinity LTF

I don't have single benefit with it, but not getting interest to close even though it's increasing overall limit in cibil.

 

[sravanbrahma]

planning to take : kotak white reserve (if kotak starts reissuing)

My primary cards: MRCC, Travel Plat, Infinia,

possible cancellation: RBL BMS Play FYF, Onecard LTF (Anyone any suggestions if I should still keep or cancel)

 

[Credit_Cards]

Closed:

CC:
HDFC Tata Neu (Not being used for 6 months)
Kiwi Yes Bank (to get physical Yes CC)

DC:
HDFC Platinum Card (to Millennia)
RBL Enterprise (to Signature+)