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

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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.
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Benefits of bob snapdeal?
 
hims007sagar said:
@Credit_Cards @telescope Are there any options of getting cb by paying cc bill from hdfc platinum dc? Or will we have to shift to Millennia DC only for cb?

Query- we get 400 cb each from using Millennia DC on Canara Setu (2.5%) as well as Amazon wallet reload (1%) per month?
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Worry not. Millennia is also on ventilator now. Once every provider change MCC to 6012 for CC bill payments, all cards will die. What is guarantee that after changing MCC in December, Setu will not change it again? There is a heavy rush on it currently due to Unipay went away.

So we are not anymore wasting our time now but instead will wait for new provider to bring some relief.
 
Hi All,

Need your valuable inputs as I want to review my credit card portfolios and want to remove some cards where I am not able to utilize or gain a benefits.
Here is the below list of my credit cards

1. AU Xcite Ultra - LTF - 5L Limit - If I spend 5000 in first 5 days of month I am getting 500 bonus points.
2. Axis Flipkart Credit Card - Paid - 6L Combined limit of 3 cards - Mainly used for Flipkart shopping only.
3. Axis myZone - LTF - I don't think I am using it since last 5 months.
4. Axis Rewards - It was Citi Rewards Credit card since 2017 got converted to Axis Rewards - if spent is greater than 30000 in year then it is free else 1000.
5. Bank of Baroda - easy RuPay - LTF - Applied for BHIM UPI.
6. Bank of Baroda - HPCL RuPay - LTF - Using at HPCL outlet for petrol and HP Pay for Gas booking and UPI. - Combined limit of 2.2L
7. Federal Celesta - LTF - 5L - Used once in a month for Book my show BOGO
8. HDFC Regalia First - LTF - 3L combined across 3 cards - since 2015.
9. HDFC UPI RuPay - LTF - occasionally used in BHIM UPI. Used in BBD for mobile purchase of my friend.
10. HDFC Tata Neu Infinity - paid RuPay - used for Tata NEU app.
11. HSBC Platinum - LTF - since 2019 - Used once in 2 month for small transaction.
12. ICICI Amazon - LTF - My ready to go card using it at Amazon and in offline stores like Dmart, Reliance bazar etc.
13. ICICI Platinum - LTF - since 2014.
14. ICICI Coral RuPay - LTF - occasional UPI usage.
15. ICICI Rubyx All 3 variants - LTF since 2024
16. IDFC First Select - LTF - 3L - Used it most last year to get lounge access @ 5000 cap but after rule change very limited usage.
17. IndusInd Legend - LTF - 5L - mainly using it to get Free SELECT account.
18. Kotak RuPay League - LTF - Applied to get benefits of Kotak credit card during sales.
19. SBI Simply save - Paid - since 2015 - Only usage during sales.
20. SBI BPCL RuPay - FYF -
21. Standard chartered DigiSmat - LTF - since 2018 - Using it on Myntra for 20% discount once in a month. -from Mar 2025 they are removing Myntra offer.

My main usage pattern is
1. Annual payment of Life ins policies - around 1.5L but its not a single policy and not all payment at a time.
2. 2 or 3 times domestic Air travel in a year - It may increase to 4 or 5 times. My family members are not having cards so I use my cards for their lounge access.
3. 15-20 IRCTC tickets booking in a year which includes self or booking for any relatives or friend who are not familiar with IRCTC.
4. Monthly Grocery around 15K which I usually do from Dmart store or Reliance store, occasional shopping from BigBasket using Tata NEU.
5. Monthly UPI spends approx. 3-5K at shops, where some shops accept RuPay cards while some not.
6. Around 1-2L spend during BBD and GIF, which major includes shopping by friends and relatives using my cards for discount.


So, this is my small story, I want to reduce my credit cards count and also want guidance how I can maximize points.

Please help me. Thanks in advance.
 
Will close Amex MRCC before my renewal as fed up with 250 apay voucher denominations and also conv fee started from this month on apay voucher purchase.
 
I'm thinking to close my OneCard due to very low limit (88K) and very limited use as well.

I currently Have the following cards -

1. Amazon Pay ICICI
2. HDFC Tata Neu Infinity LTF
3. HDFC Diners Privilege LTF
4. HDFC Swiggy LTF
5. Kotak League Platinum VISA LTF
6. IDFC First Select LTF
7. Amex MRCC FYF
8. SBI Simply Click Paid
9. Axis Airtel

Axis Airtel, Tata Neu Infinity, HDFC Swiggy and Amazon Pay Cards are being used regularly for Bill Payments and UPI Payments or Online Payments in General

League Platinum is one of my oldest card with High Limit (6 Lakh +) So I'm hesitate to close it since it doesn't bother me

Amex is used offline or for 1500 x 4 Purchase in Month

SBI is only used for sales

IDFC is also used for Offline Purchase and Netflix Monthly Subscription, I'm thinking to shift that purchase to HDFC Swiggy if it gives 5% Cashback or 1% whatever works. Also My IDFC Card has 9% Interest Rate so It can be used as a backup for high purchase in case I need it.

One Card is left unused so I'm closing it soon, do you guys think I should close any other card
 
I will be closing below Credit Cards soon.
1. Standard Chartered Ultimate Card renewal date 7th July -> will close before 1st June
2. BOB Eterna renewal date 17th Nov -> will close before 1st Oct
 
TheTrickySid said:
Matching the limits isn't guaranteed but you can expect significant increase.

Once the card is approved with high limit that limit is shared with all cards.

So eventually your fk axis also ends up getting an le

I've also done the same since I wasn't getting le on axis cards since 2yrs
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kyaise kya kiya mere axis flopkart hai uski limit 37k thi fir 6 month phele 90k ho gayi hai par mujhe 1.5lakh tak chaiye or mere pass neo bhi hai shared limit k sath vo 2-3 month old hoga. mere pass amazon icici hai 3 lakh limit ka sath 5-6 months old. toh mai konsa card apply kar sakta hu axis ka or card to card ka option kaha aata hai. ya mai flopkart ko upgrade karva lu koi LTF card mein
 
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Apply For LTF HDFC Swiggy Credit Card
RAHUL GOYAL said:
kyaise kya kiya mere axis flopkart hai uski limit 37k thi fir 6 month phele 90k ho gayi hai par mujhe 1.5lakh tak chaiye or mere pass neo bhi hai shared limit k sath vo 2-3 month old hoga. mere pass amazon icici hai 3 lakh limit ka sath 5-6 months old. toh mai konsa card apply kar sakta hu axis ka or card to card ka option kaha aata hai. ya mai flopkart ko upgrade karva lu koi LTF card mein
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offline jaiye Branch mein Credit Card agent ka number le ke unse baat kariye ke C2C lena hai wo kara denge C2C, online C2C nahi aata hai Axis Bank mein
 
Have infinia, platinum travel, icici amazon, IndusInd pinnacle and idfc wealth. If i get limit enhancement for infinia will close wealth, kept wealth to keep cur low.
Debit card have hdfc platinum, rbl edc and idbi. Won't close any
 
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