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

[ENIAC]

Why you have closed `ICICI Rubyx Dual card` ? is it not LTF

ws LTF, but I had Sapphiro and I mistakenly thought that this Rubyx is counting as a separate CIBIL entry, but anyways was useless for most of the year

 

[AkitA]

T

Retaining offer will not be there. You have close it and apply again.

Doubt, anyone will reapply. Only way bank can retain customers is by rewarding/covering the renewal fees. GST will have to be paid by customers. A common approach by almost all the banks.

 

[AkitA]

ws LTF, but I had Sapphiro and I mistakenly thought that this Rubyx is counting as a separate CIBIL entry, but anyways was useless for most of the year

You mean, ICICI will show one entry in CIBIL even if multiple CC are issued?

 

[sjmajumder]

I have 33 CCs and don't plan to close any unless Amex Gold Charge asks for too much to reverse the annual fees.

The only paid cards are:

1. Amex Gold Charge
2. Amex MRCC (spend threshold already met)
3. Axis Airtel
4. HDFC Swiggy

Remaining 29 are LTF.

Applied for Canara Bank Mastercard World where I will have to pay 354 per year if annual spend threshold of 1L is not met.

 

[fradela]

All my cards are LTF.

Two categories. Active and Inactive (Collections)

Going to move Tata Neu Infinity to inactive category.

Active:

HDFC Swiggy (Online [5%] and Offline[1%])
HDFC Pixel Play (UPI; Reliance Fresh, Smart Bazaar)

ICICI Sapphiro (BMS, BYGO, 500 OFF)

Collections (Only Bank offers)

HDFC Regalia Gold
AU Vetta
BOB Premier
BOB HPCL
Federal Celesta
IDFC First Wealth
One (Bob)
HDFC Tata Neu Infinity

 

[BVCBVC is verified member.]

I have 33 CCs and don't plan to close any unless Amex Gold Charge asks for too much to reverse the annual fees.

The only paid cards are:

1. Amex Gold Charge
2. Amex MRCC (spend threshold already met)
3. Axis Airtel
4. HDFC Swiggy

Remaining 29 are LTF.

Applied for Canara Bank Mastercard World where I will have to pay 354 per year if annual spend threshold of 1L is not met.

Any paid cards are there, banks are compensating by penalties being paid to you.

 

[yolofino]

Closed Axis My Zone Visa - no use

Closed Bob Snapdeal Rupay paid - not much use now after devaluation

 

[iamvk]

Closed:
AU Zenith LTF
ICICI Platinum LTF
ICICI Coral LTF
Axis My Zone LTF
Standard Chartered Smart Paid
HDFC Pixel Play LTF
BOB HPCL Energie LTF
BOB Premiere LTF

Trying to make way for SBI Cashback.

 

[crazyuploader]

Yeah got email regarding new terms & conditions that excluded most of online payments.

Can you share? I missed it as well

 

[sb210]

plan to close SBI cashback, and EDC

 

[ihmahetar]

RBL SHOPRITE CC DUE TO USELESS AND LOW CREDIT LIMIT

 

[ravikumar]

Closed Axis reserve and magnus due to devaluation

 

[ravikumar]

Planing to close BoB snapdeal, Hpcl card

 

[Anindya98]

Planing to close BoB snapdeal, Hpcl card

Which BOB card do you plan to keep after closing these two?

 

[Explorer]

closed axis horizon which was actually citi premier miles originally. With magnus in hand, I kind of stopped using this card, so no point paying annual fee.

 

[Explorer]

closed axis horizon which was actually citi premier miles originally. With magnus in hand, I kind of stopped using this card, so no point paying annual fee.

I did ask, if they can give me a LTF atlas instead, as I wanted to see I can extract value from it, but they declined with some weird logic like, citi old citi customers are not eligible or something in that line. I did not pursuit it further.

 

[Lobogris]

I have closed Axis Atlas, Indusind Pinnacle and Yes BYOC. Also planning on closing Kotak 811.

 

[TheTrickySid]

Closed Bob Snapdeal Rupay paid - not much use now after devaluation

What was the devaluation?

 

[ravikumar]

Which BOB card do you plan to keep after closing these two?

will keep eterna for now.

 

[0x5f3759df]

Have 11 CCs, planning to close IDFC Select, One Card and ICICI Rupay (Kiwi is pretty good).

Also planning to close RBL savings account, only got it for Signature DC.