Making the most out of my 13 Credit Cards

[originaldarklord]

Hi,
I currently hold a total of 13 credit cards (14 if you count an FD backed one), and I feel that I might be missing out on milestone or loyalty benefits by spreading my spendings across too many cards and banks.
I got some nice recommendations in the last thread I posted an year ago and things have changed since then.

How to optimize this and is there a card that I should get rid of, maybe replace it with some other card. HDFC isn't giving me an Infinia and I haven't tried for an EPM yet but I doubt that I meet the eligibility criteria.
Spends are 3-4 flights a month, dining out, ordering from Swiggy, fuel, Amazon, and hotels while travelling. I don't have a preference for Marriott, Accor, or Taj but any good hotel will do. Some irregular shopping from physical outlets for clothes and accessories and occasional electronics.

What would you do in my situation with my current set of cards?

My current cards are in this screenshot:

 

[hellowo₹ld]

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...

• hellowo₹ld
• Replies: 15
• Forum: Suggest me a Credit Card

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: )

 

[VJN]

Amex Plat and Axis Atlas should be your primary cards to spend on till the time milestone benefits are achieved.
Some other Credit card recommendations - SBI Cashback (in case you have decent online spends, and a decent Rupay credit card like Tata Neu Infinity (or equivalent cards giving 1.5% to 5% CB). From a Debit Card perspective, you can consider PSU Banks giving Rupay Select Debit Card with decent quarter/ annual benefits.