Need suggestions for CC to keep, to close and new ones I can get

[rjgarg]

Hello folks,

Wish you a very Happy New Year 2024.
Need your valuable suggestions in improving my credit card portfolio, preferably with LTF cards, else paid one's.

Below are the cards I have ::
Axis Ace(PAID) & MyZone(LTF) with shared limit - 3.3L
Citi Rewards(Paid) - 4.86L
ICICI AmazonPay(LTF) - 10L
ICICI HPCL Coral(LTF) & Rupay Coral(LTF) with shared limit - 10L
AMEX Rewards(Paid) - 5.44L
HDFC Millennia(LTF) - 5L
IDFC Wealth(LTF) - 5.25L
Indusind Legend(LTF) - 5L
OneCard (issued by BOB) LTF - 6.90L
Scapia (issued by Federal) LTF - 7.50L
HSBC Visa Platinum LTF - 3L
Yes Premia/Elite LTF - 1.25L

CIBIL : 815-825

For my wife(started CC journey<6months ago)::
Axis Neo & IndianOil Rupay card with shared limit - 20k

I recently started using Rupay card so that's 1side I think I might improve. Another areas are insurance payments & grocery shopping!! What are your suggestions?

 

[lucifer]

Hello folks,

Wish you a very Happy New Year 2024.
Need your valuable suggestions in improving my credit card portfolio, preferably with LTF cards, else paid one's.

Below are the cards I have ::
Axis Ace(PAID) & MyZone(LTF) with shared limit - 3.3L
Citi Rewards(Paid) - 4.86L
ICICI AmazonPay(LTF) - 10L
ICICI HPCL Coral(LTF) & Rupay Coral(LTF) with shared limit - 10L
AMEX Rewards(Paid) - 5.44L
HDFC Millennia(LTF) - 5L
IDFC Wealth(LTF) - 5.25L
Indusind Legend(LTF) - 5L
OneCard (issued by BOB) LTF - 6.90L
Scapia (issued by Federal) LTF - 7.50L
HSBC Visa Platinum LTF - 3L
Yes Premia/Elite LTF - 1.25L

CIBIL : 815-825

For my wife(started CC journey<6months ago)::
Axis Neo & IndianOil Rupay card with shared limit - 20k

I recently started using Rupay card so that's 1side I think I might improve. Another areas are insurance payments & grocery shopping!! What are your suggestions?

might help you in comparing

Best Credit Cards 2024 | Category-wise Credit Card Recommendation By TechnoFino

Hello TFCians, Firstly, a very Happy New Year 2024! I extend my heartfelt wishes for success and happiness to you and your family throughout the year. As is our tradition, we are here to recommend credit cards categorized to meet your various needs. From the best credit card for online...

www.technofino.in

 

[rjgarg]

thanks much @lucifer . this gives me insight for insurance spends but still doesn't help answer grocery spends and which Rupay card offers best rewards!!

thanks much . this gives me insight for insurance spends and other areas but still doesn't help answer grocery spends and which Rupay card offer best rewards!!

might help you in comparing

Best Credit Cards 2024 | Category-wise Credit Card Recommendation By TechnoFino

Hello TFCians, Firstly, a very Happy New Year 2024! I extend my heartfelt wishes for success and happiness to you and your family throughout the year. As is our tradition, we are here to recommend credit cards categorized to meet your various needs. From the best credit card for online...

www.technofino.in