Hey folks,
I’m currently evaluating my credit card portfolio and looking to either add a new card or remove one or two that are redundant or underperforming. I’d really appreciate any feedback or suggestions based on the cards I already have and my usage patterns.
Here’s my current lineup:
Spending Pattern & Priorities:
What I’m Considering:
Would love to hear:
Thanks in advance for your help!
I’m currently evaluating my credit card portfolio and looking to either add a new card or remove one or two that are redundant or underperforming. I’d really appreciate any feedback or suggestions based on the cards I already have and my usage patterns.
Here’s my current lineup:
- HDFC Millennia
- HDFC Tata Neu Infinity
- ICICI Amazon Pay
- ICICI Sapphiro
- Axis Flipkart
- Axis My Zone
- Axis Atlas
- AMEX Membership Rewards (MRCC)
- HSBC Live+
- SBI BPCL Octane
Spending Pattern & Priorities:
- Major spends on online shopping (Amazon/Flipkart), fuel, dining, and travel (both domestic & international).
- I value rewards/cashback, airport lounge access, and waivers on annual fees based on spend.
- I’m also open to premium cards if they justify their fee with good rewards or travel benefits.
What I’m Considering:
- Possibly removing a card or two if they’re overlapping or not offering much value.
- Thinking about adding a travel-focused or lifestyle/premium card, but unsure which one would give the most value given my current set.
Would love to hear:
- Which card(s) do you think I should drop?
- Any specific new card(s) you’d recommend based on the above?
- Thoughts on upgrading/downgrading any of the current ones?
Thanks in advance for your help!
