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Closed Credit Cards list so far

Andy1

TF Premier
VIP Lounge
Let's talk about all the credit cards which you have closed so far and also list reason for it.
I have closed
Icici Platinum- Poor Reward points
Axis Flipkart- list of exemptions
Axis Ace - devaluation
Yes Finbooster- never used
Yes Exclusive- Annual Fees
RBL ICON- pathetic reward system for a premium card
Axis Magnus- Reason well known
IDFC Select- upgraded to Wealth
 
Last edited:
Let's talk about all the credit cards which you have closed so far and also list reason for it.
I have closed
Icici Platinum- Poor Reward points
Axis Flipkart- list of exemptions and already have ACE
Yes Finbooster- never used
Yes Exclusive- Annual Fees
RBL ICON- pathetic reward system for a premium card
Axis Magnus- Reason well known
Transferred edge reward points and closed Axis Magnus today. What a card it was one year back!
 
I have total 13 cards including two virtual rupay cards. Till now no card is closed but upgrades are happened. I started tracking the benefits of all my credit cards such as reward points, instant discounts etc. after one, I am going to compare total savings and will close few cards based on savings comparison.
 
Pnb rupay platinum
HDFC business Moneyback
HDFC Tata neu plus
SBI Simplyclick

Next on the hitlist
Kotak Zen Signature (either they make it LTF or bye bye)
Kotak League Platinum (if I get ICICI rupay coral LTF then this one bye bye)
Flipkart Axis
 
List of my CLOSED CARDS.

# CLOSED CARDS TRXNS AMOUNTS

1 AB - VS CLASSIC 21 32,982.00
2 BOB - VS CLASSIC 6 36,228.00
3 BOI - VS CLASSIC 2 16,252.50
4 SBI - VS CLASSIC 19 1,11,979.00
5 CITI-IOC - MC CLASSIC 90 1,95,197.86
6 HSBC - MC CLASSIC 1 780.00
7 AMEX - GREEN 43 1,86,604.50
8 HSBC - VS CLASSIC 112 2,95,853.16
9 HSBC - VS CLASSIC 2 538.75
10 SBI-EMP - VS CLASSIC 0 0.00
11 ICICI-KF - VS GOLD 0 0.00
12 CITI-MTV - MC CLASSIC 27 1,17,895.58
13 CITI - VS SOLID GOLD 84 2,13,605.60
14 ICICI-HP - MC GOLD 61 2,19,056.55
15 CITI - VS GOLD CASHBACK 78 2,03,069.11
16 CITI - VS PLATINUM 165 3,73,799.29
17 SBI-EMP - VS GOLD 71 2,28,494.32
18 CITI - VS PLATINUM 32 65,620.78
19 CITI - VS PLATINUM 95 2,71,652.74
20 CITI - MC TITANIUM CASHBACK 27 35,388.04
21 CITI - VS PLATINUM REWARDS 244 4,88,961.93
22 SBI-EMP - VS GOLD 340 29,01,426.05
23 SBI-SSAVE - VS PLATINUM 57 9,24,152.80
24 CITI - VS PLATINUM REWARDS 72 85,310.07
25 CITI-IOC - VS PLATINUM 319 5,69,947.88
26 RBL - MC PLATINUM DELIGHT 526 15,74,327.42
27 SBI-SSAVE - VS PLATINUM 148 2,76,301.97
28 SBI-PAYTM - VS CASHBACK 44 79,379.09
29 PNB - RUPAY PLATINUM 53 99,477.50
30 SBM-1CARD - VS 49 28,794.56
31 AXIS-AIRTEL - VS 163 3,51,647.48
32 SBI-PAYTM - RUPAY PLATINUM 13 4,098.64
33 AXIS-KWIK - RUPAY VIRTUAL 57 50,664.50
34 KOTAK - RUPAY VIRTUAL 4 1,631.00
35 ICICI - VS PLATINUM 0 0.00

A TOTAL - AMOUNTS 1,00,41,118.67
TOTAL - TRXNS 3025

Currently, holding 15 cards.
 
2. BOB card was special SACHIN TENDULKAR card.

11. ICICI card was cobranded with KINGFISHER. Got many KF merchandise free.

12. CITI card was cobranded with MTV Channel. Got many free music cassettes.

10, 11 n 35 - never used even once. Hence asked them to close within 3 months.

Of ALL my cards (closed plus current), ICICI AMAZON PAY was max used card. Once I used it for 16 lakhs in one year. Those were the days of No AIS - No ITD Notices.
 
2. BOB card was special SACHIN TENDULKAR card.

11. ICICI card was cobranded with KINGFISHER. Got many KF merchandise free.

12. CITI card was cobranded with MTV Channel. Got many free music cassettes.

10, 11 n 35 - never used even once. Hence asked them to close within 3 months.

Of ALL my cards (closed plus current), ICICI AMAZON PAY was max used card. Once I used it for 16 lakhs in one year. Those were the days of No AIS - No ITD Notices.
Aap to heavy card user nikle
 
Axis Magnus - closed for devaluation on monthly 1L spend
Axis MyZone - closed for devaluation on Swiggy
HDFC Regalia - closed for Infinia upgrade
HDFC Infinia - closed as the lifestyle spends does not match and it is FYF
Citi IOC platinum - Closed due to Axis migration
 
Axis Magnus - closed for devaluation on monthly 1L spend
Axis MyZone - closed for devaluation on Swiggy
HDFC Regalia - closed for Infinia upgrade
HDFC Infinia - closed as the lifestyle spends does not match and it is FYF
Citi IOC platinum - Closed due to Axis migration
Salute Aye Aye Captain GIF

That takes a gut to do it.
I am curious to know your current CC portfolio.
 
Axis Magnus - closed for devaluation on monthly 1L spend
Axis MyZone - closed for devaluation on Swiggy
HDFC Regalia - closed for Infinia upgrade
HDFC Infinia - closed as the lifestyle spends does not match and it is FYF
Citi IOC platinum - Closed due to Axis migration
Closed Infinia?? Seriously??

You have renewal benefit right??
 
I closed my axis flipkart cc after getting sbi cashback cc. I asked axis cc to make it ltf but they didn't budge. Next on my radar is axie ace but I'll decide next year during renewal if it's worth paying annual charges.
 
Closed Infinia?? Seriously??

You have renewal benefit right??
I only take infinia point with .50 value. Why should I pay 8500 as fee even after I redeem the renewal benefit. Does not make sense to me, just that some card is invite only does not mean that it's always great for everyone. Lot of folks i know spend on infinia with FOMO and guilt of not able to leverage the card fully. It's a vicious cyle.
 
I only take infinia point with .50 value. Why should I pay 8500 as fee even after I redeem the renewal benefit. Does not make sense to me, just that some card is invite only does not mean that it's always great for everyone. Lot of folks i know spend on infinia with FOMO and guilt of not able to leverage the card fully. It's a vicious cyle.
You don't travel?? and didn't you observe the Hotels and Flight bookings??
 
I closed Magnus last year, and this year I will close Axis Vistara Infinite. Both for well known reasons.

Retaining these, and amex is my primary card for all spends, 2nd in the list is Tata Neu Infinity :

ICICI aPay (LTF)
ICICI Rupay Coral ( LTF)
HDFC Regalia First (LTF)
Onecard (LTF)
IDFC Select (LTF)
Citibank Cashback (LTF)
HDFC Neu Infinity (LTF)
Axis Flipkart (LTF)
BOB Premier (LTF)
Amex MRCC (4500 paid but meeting waiver)
Amex Plat Travel (5000 paid)
Amex Gold Charge (4500 paid)
Amex Plat Charge (60k paid)
 
I only take infinia point with .50 value. Why should I pay 8500 as fee even after I redeem the renewal benefit. Does not make sense to me, just that some card is invite only does not mean that it's always great for everyone. Lot of folks i know spend on infinia with FOMO and guilt of not able to leverage the card fully. It's a vicious cyle.
But why did you have Magnus before? It has a poor point value as well.
 
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