That's bad. Did they change any policy now? If your net salary is more than 3L, you don't need to maintain anything else. They will give you premier salary account and premier credit card. Am I missing something?
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Which Debit or Credit Card Have You Closed (or Plan to) in 2025 & Why?
- Thread starter Anindya98
- Start date
- Replies 262
- Views 8K
SatyG
TF Premier
Yes, I didn’t have instant approval. I had to send out an email to them for status and the next day approval email was sent to me.
Yes this is correct. 3L salary is enough. Nothing else is required.
Closed 4 this year
1. HDFC Tata Neu Plus (FYF) - because I got Infinity FYF in my Mother's name.
2. HDFC RuPay UPI (only 99 joining fee) - it was completely useless for anything anymore. Got it immediately upon release and used it pretty frequently before realizing that there were better UPI cards available.
3. Axis Flipkart (500) - was closed around Jan as I hardly use Flipkart and it was chargeable.
4. Yes Bank UPI RuPay (LTF) - never even used it, got it just because it was offered for free and I didn't have many RuPay cards back then.
I'll be closing
1. RBL IndianOil Xtra (1,500) - 💩 card because all IndianOil outlets, near me, either don't know how to use Xtrarewards or flat out refuse to get paid through it.
2. Kotak 811 #DreamDifferent (LTF) - this is the oldest card that I have, got it as a secured card long back against a 15k FD. Also the only secured card that I have. The limit is so low that I hardly even think about using it at all.
3. Axis Select (FYF) - got this only for an upgrade to Atlas if it comes well and good otherwise I'm closing it as I'm closing all paid cards under my mother's name.
4. ICICI HPCL Super Saver (500) - hardly use this. Might keep if I start using it in lieu of RBL IndianOil.
I just have way too many cards and closing the useless ones
1. HDFC Tata Neu Plus (FYF) - because I got Infinity FYF in my Mother's name.
2. HDFC RuPay UPI (only 99 joining fee) - it was completely useless for anything anymore. Got it immediately upon release and used it pretty frequently before realizing that there were better UPI cards available.
3. Axis Flipkart (500) - was closed around Jan as I hardly use Flipkart and it was chargeable.
4. Yes Bank UPI RuPay (LTF) - never even used it, got it just because it was offered for free and I didn't have many RuPay cards back then.
I'll be closing
1. RBL IndianOil Xtra (1,500) - 💩 card because all IndianOil outlets, near me, either don't know how to use Xtrarewards or flat out refuse to get paid through it.
2. Kotak 811 #DreamDifferent (LTF) - this is the oldest card that I have, got it as a secured card long back against a 15k FD. Also the only secured card that I have. The limit is so low that I hardly even think about using it at all.
3. Axis Select (FYF) - got this only for an upgrade to Atlas if it comes well and good otherwise I'm closing it as I'm closing all paid cards under my mother's name.
4. ICICI HPCL Super Saver (500) - hardly use this. Might keep if I start using it in lieu of RBL IndianOil.
I just have way too many cards and closing the useless ones
Anupam222001
TF Select
I will be closing
1. ICICI Sapphiro dual, reason-you know why🥲
2. Rbl Indian oil Xtra , although I am able to takeout huge benefit from this card, I earned almost 12500 xtra reward points in around 7 months, will try for fee waiver if possible.
1. ICICI Sapphiro dual, reason-you know why🥲
2. Rbl Indian oil Xtra , although I am able to takeout huge benefit from this card, I earned almost 12500 xtra reward points in around 7 months, will try for fee waiver if possible.
@Anindya98 how did you check pre approved bob card?
brightknight
TF Ace
can millenia dc be used for HDFC cc bill in autobillpay?
raghumahajan
TF Premier
I will close SBI Visa Platinum Debit card, applied for lounge access when I didn't have credit cards. Now the fee is also increased. So close it by the end of this year before DC fee debits from the account.
CyberPsych
TF Legend
No, HDFC CC cannot be paid through HDFC billpay by any means.
BOBCARD App -> Additional Card
Exewhyzee
TF Premier
What's the reason (I may not know)?
RAHUL GOYAL
TF Premier
FYF hoga ab fees nikat hoga iss liye uss card ka antim sanskar kiya ja raha hai. maine bhi 2 din phele phone aaya tha FYF ka toh apply kar diya shayad meri limit hi badha de bank vale ye card lene par
can we log in without CC? I have a savings account with BOB.
Not possible without CC. I got an additional card offer for Snapdeal Rupay from Visa Easy.
Oh okay i thought of checking for any preapproved offer based on my savings account but BOB world app doesnot have any section to check.
I closed my privy relationship with Kotak(which was due to Salary account) and changed it to SOLO variant, I am not holding any debit cards from Kotak right now.
I also tried to close RBL shoprite(LTF) but the retention team offered 5000 points which is worth around 1000 rupees, hence I have kept it for now but might close this again in few months once I find some use of that points.
I also tried to close RBL shoprite(LTF) but the retention team offered 5000 points which is worth around 1000 rupees, hence I have kept it for now but might close this again in few months once I find some use of that points.
I have following Credit cards. Please suggest what CC should be closed it has been a hassle last few months maintaining so many cards -
- ICICI Cards: Rubyx Dual, Sapphiro Dual, ICICI Coral RuPay, and Amazon Pay (all LTF).
- HDFC Cards: Millennia (Paid, Recently upgraded from Regalia First), Swiggy (LTF), and Tata Neu Infinity (FYF)
- Others:
- Amex MRCC (LTF)
- IDFC Wealth (LTF)
- SBI SimplyClick (paid)
- OneCard (LTF)
- Axis Flipkart and Axis Airtel (both paid)
- RBL Shoprite (LTF) - Used with Zepto sometimes
- Amex MRCC (~₹6K/month for rewards),
- ICICI cards,
- HDFC Swiggy,
- Axis Flipkart, Airtel (for bills), and Ace (spouse's card for offline expenses).
ICICI started charging surcharge for petrol tnx lately. Hence I have stopped using at all.
