Looking for Advice on Tweaking My Credit Card Portfolio - Suggestions for Closures or Additions?

[Hell_Kitty]

Hey everyone,

I’m hoping to get some input on my current credit card lineup. I’ve been thinking it might be time to clean things up a bit—maybe close a few cards, make some changes, or even add something new that I’m missing.

Here’s a quick rundown of what I have right now:



Typical Monthly Spends are as below

1. Gold Scheme: ₹40,000
2. Groceries: ₹10,000
3. Dining Out: ₹5,000
4. Fuel: ₹6,000
5. Utilities (electricity, internet, water.): ₹2,500
6. Small Kirana Shops via UPI: ₹3,000

Yearly spends are as below

1. Insurance: ₹5,00,000

I really appreciate any advice you’ve got!

Closed below cards this month

 

[Anindya98]

• Utility: Airtel Axis Rupay Variant
• UPI: Airtel Axis Rupay Variant for 1% cb
• Insurance: Amazon Pay Voucher using EMP, Infinia & SBI CB
• Dining & Grocery: Swiggy HDFC will work if you use the Swiggy platform.

 

[tachniki]

HSBC Live plus will give 10% cashback on grocery and dining out upto 1k per month.

 

[cardio_guycardio_guy is verified member.]

You can close Indusind Pinacle if you are not using it.