Which two cards to CLOSE ?

[Yochan]

Hi Guys , Im really confused. I have the below four cards and I think i am paying too much Renewal fees and not getting much benefit.
between these below cards which two should i close ?
I dont need Domestic Lounge access, and international one i just need 2 per year.
Which of the two cards will give me maximum value. For online spends, yearly once insurance spends and monthly 10k utility spends ?
1)Sapphiro visa
2)Yes Reserv
3)Axis Select
4)IDFC ashva

 

[Vasuki]

Hi Guys , Im really confused. I have the below four cards and I think i am paying too much Renewal fees and not getting much benefit.
between these below cards which two should i close ?
I dont need Domestic Lounge access, and international one i just need 2 per year.
Which of the two cards will give me maximum value. For online spends, yearly once insurance spends and monthly 10k utility spends ?
1)Sapphiro visa
2)Yes Reserv
3)Axis Select
4)IDFC ashva

View attachment 79623

None skip all

 

[LiamHouse]

none of your cards are any good or make sense together. Close all and maybe keep the Yes and IDFC card active for the time being. Downgrade to a LTF Rubyx if possible.

for your spends, the most value you will get is from Reserv, if you want you can also get the subscription on it if they line up with your spends.

 

[tachniki]

You can seriously close all of them. There are better LTF cards compare to ICICI Sapphiro and Axis Select for use case. IDFC Ashva just missed worst card of year in its launch year. 🙂 You can. easily choose any of IDFC wealth or any other IDFC LTF if you want a IDFC card.

What were your reasons to choose these cards?

 

[Pissant]

Hi Guys , Im really confused. I have the below four cards and I think i am paying too much Renewal fees and not getting much benefit.
between these below cards which two should i close ?
I dont need Domestic Lounge access, and international one i just need 2 per year.
Which of the two cards will give me maximum value. For online spends, yearly once insurance spends and monthly 10k utility spends ?
1)Sapphiro visa
2)Yes Reserv
3)Axis Select
4)IDFC ashva

View attachment 79623

Keep Yes Reserv and downgrade ICIC card to Platinum/whichever card they give LTF to you. Similarly, downgrade Axis Select to LTF Axis Neo. Downgrade IDFC Ashwa to any of the free IDFC First cards.

 

[Yochan]

You can seriously close all of them. There are better LTF cards compare to ICICI Sapphiro and Axis Select for use case. IDFC Ashva just missed worst card of year in its launch year. 🙂 You can. easily choose any of IDFC wealth or any other IDFC LTF if you want a IDFC card.

What were your reasons to choose these cards?

i had LTF lower variants of all these... and didnt think much before clicking upgrade buttons 🙈

 

[cardio_guy]

Why did you take all 4 worst cards that too paid?

 

[aniketkr.sharma]

i had LTF lower variants of all these... and didnt think much before clicking upgrade buttons 🙈

Close all cards and try to get sbi cashback, Amazon pay icici, hdfc millennia, these cards will fullfil all your spends cashbacks

 

[tanujsheoran]

can we change address in idfc cards online

 

[aniketkr.sharma]

can we change address in idfc cards online

A big no, idfc is totally worst now

 

[helloworld]

Hi Guys , Im really confused. I have the below four cards and I think i am paying too much Renewal fees and not getting much benefit.
between these below cards which two should i close ?
I dont need Domestic Lounge access, and international one i just need 2 per year.
Which of the two cards will give me maximum value. For online spends, yearly once insurance spends and monthly 10k utility spends ?
1)Sapphiro visa
2)Yes Reserv
3)Axis Select
4)IDFC ashva

View attachment 79623

sapphiro, select first

ashva next

reserv fee compensated with reward points. activate 3x or 5x and get best returns on some categories. redemption must be indigo like flights or budget hotels.