I have the Axis IOCL & the Axis Flipkart cards and their limits are shared and capped at 15k, which means that if I spend 5k on one card I will have only 10k left on the other one as well. But their annual fees are not shared and so I pay 500 rupees annually for each of them. I need both of them and so I don't want to close them, but to maintain a healthy credit utilisation ratio, I cannot spend more than 4.5k on both the cards combined (2.5k each), which is not enough to get a good return on the fees I'm paying. I have spent more than that in some months, but it brings down my credit score a bit. Now, I'm still a student and my overall expenses in a month both through upi and credit usually falls b/w 9-15k, but there are plenty of times when I buy things that are a little expensive than the usual stuff I buy, and I wish I had a higher limit on them to avail benefits such as the 5% unlimited cashback on Flipkart. I feel like I need to close one of the paid cards because of the fees I'm having to pay but I also dont want to lose even the little benefits that I'm getting from each of them. I contacted support through the helpline to ask for a limit enhancement but was told that I have to submit salary slip or ITR. I also asked them if one of the cards could be converted to an LTF one to which they replied in the negative. What should I do?