Hi team,
My paid card portfolio currently stands as:-
I already have two supposedly Super Premium cards HDFC DCB (used for offline spends) and BoB Eterna (used for online spends).
My strategy going forward will be surrendering Axis Ace, SC Manhattan and SBI Simplyclick, and get the SC Ultimate instead. I will be using the SC Ultimate at all the offline places where my DCB / AmEx is not accepted. My Questions are:
1. Does this makes sense? I feel my portfolio is already cluttered and reducing the number of paid cards is only going to make it better
2. I will get renewal benefits on SC Ultimate every year even if I am unable to hit any milestones?
My paid card portfolio currently stands as:-
- AmEx MRCC (Used for monthly rewards)
- AmEx Platinum Travel (Used for one time large purchases)
- SC Manhattan (Used for 5% cashback on grocery, but hardly hit the renewal fee waiver spends)
- Axis Ace (Used for all the places where AmEx Plat Travel and HDFC DCB are not accepted)
- Citi Indian Oil (Very easy to reach fee reversal with fuel alone)
- SBI SimplyClick (Used for SBI offers mostly)
I already have two supposedly Super Premium cards HDFC DCB (used for offline spends) and BoB Eterna (used for online spends).
My strategy going forward will be surrendering Axis Ace, SC Manhattan and SBI Simplyclick, and get the SC Ultimate instead. I will be using the SC Ultimate at all the offline places where my DCB / AmEx is not accepted. My Questions are:
1. Does this makes sense? I feel my portfolio is already cluttered and reducing the number of paid cards is only going to make it better
2. I will get renewal benefits on SC Ultimate every year even if I am unable to hit any milestones?