Credit Cards : Remove, Get or Keep

[prpillz]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

 

[helloworld]

Thread 'Guide to Choosing the Right Credit Card - Basic Requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000...

• helloworld
• Replies: 15
• Forum: Suggest me a Credit Card

• 
• 
• 

Could you answer these as much as possible...

TL;DR;

Close:

Any two from below

APay
Swiggy
Millennia
Cashback

--
Ace //get airtel works for both online grocery, food, and utility
SVT
EMT
Manhattan // get HSBC Live+ instead or for offline Airtel works for utility too

----

But, TBH proper answer will only come with more information as suggested above.

 

[kuchbhikuchbhi is verified member.]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

QUITE A FEW : you're kidding right

 

[prpillz]

Thread 'Guide to Choosing the Right Credit Card - Basic Requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000...

• helloworld
• Replies: 15
• Forum: Suggest me a Credit Card

• 
• 
• 

Could you answer these as much as possible...

TL;DR;

Close:

Any two from below

APay
Swiggy
Millennia
Cashback

--
Ace //get airtel works for both online grocery, food, and utility
SVT
EMT
Manhattan // get HSBC Live+ instead or for offline Airtel works for utility too

----

But, TBH proper answer will only come with more information as suggested above.

Thank you @helloworld ...nice writeup on various aspects for selection of Credit Card's portfolio.

I am a self-employed person with following monthly estimated expenses with 790+cibil score

Amazon/flipkart 3k
Utilities Airtel 1k
Utilities non airtel 6k
Groceries dmart 5k
Groceries instamart/zepto/blinkit 2k
Food delivery/dineout 5k
Fuel 10k
Insurance 5k
Cab/porter/irctc 10k
Online/offline Shopping 4k
Upi spends 3k
Travel 17k

Annually 7L++ spends (not necessarily to be spent on cc)

 

[aniketkr.sharma]

Hey Folks,

I have quite a few Credit Cards,

Icici Amazon Pay LTF(Amazon)

Sbi Cashback FYF(All Online)

Sbi SimplyClick paid(Sale)

Hdfc Millennia FYF (Apay/uber/irctc)

Hdfc Swiggy FYF (swiggy/instamart/dineout)

Hdfc TataNeu Infinity FYF

Axis Horizon paid(Travel)

Axis Ace(Utility)

Idfc Hpcl Powerplus paid(Fuel)

Scb Smart paid(Gov tax/ Insurance)

Scb Manhattan paid(Grocery)

Scb SuperValue Titanium paid(fuel/utility-not used much)

Scb EMT paid(Travel-not used much)

Most of these cards are cashback cards except axis horizon.

I would like suggestions from the cc enthusiasts here, to understand which CCs to Leave, Get or Keep.

TIA.

I would like to say it's alot of cards now, you must try for upgrade to better variant with better returns, cashback cards might get devalued anytime but with time you can only be stable with super premium cards.