Planning to restructure my credit card portfolio—open to suggestions - 2025

[BK7]

I need some suggestions to restructure my credit card portfolio. I’m not a fan of cashback cards—my main focus is to collect airmiles and use them for travel. I’m new to this miles journey.

Right now, I’m not eligible for Atlas as my salary is ₹70K, but I would like to hold both Atlas and Regalia (for cases where Amex doesn’t work). Most of my cards are LTF, but I’m fine paying annual fees now if the card helps me earn miles faster. I’m planning a trip in 2026, so I want to build points till then.

At this moment, I have about 50K+ Amex MR points, but my other cards don’t give many useful rewards. I’m also open to closing some cards and adding new ones that give travel rewards plus extra benefits like movie (BOGO), dining discounts, and good offers during BBD sales.


Experts - Looking forward to your suggestions.

My Cards & Limits​

• ICICI Coral (7L, LTF) – Oldest card, using RuPay variant for QR payments. Can’t close, maybe upgrade later.
• Amazon Pay ICICI (7L, LTF) – Mostly for Amazon offers.
• HDFC Millennia (75K, LTF) – Used on and off, waiting for a Regalia upgrade.
• AU LIT (1L, LTF) – Just holding, hardly used.
• Scapia (4L, LTF) – Occasional small spends, keeping for zero forex.
• HDFC Swiggy (75K, shared with Millennia) LTF – Rarely used, since I prefer Amex Reward Multiplier for Swiggy.

My Wife’s Cards​

• HSBC Platinum (1.8L, LTF) – Just holding.
• Axis MyZone (2L, LTF) – Horizon upgrade option showing on App.
• AU Vetta (1.8L, LTF) – Keeping for Priority Pass, spend criteria no idea.
• Amex MRCC (2.5L) – Her card, but I also use the supplementary.

 

[superstar@123]

Take HSBC Travel One. I am getting that (I have Atlas, Amex Plat Travel and Infinia) but still Travel one has an advantage.

 

[BK7]

Take HSBC Travel One. I am getting that (I have Atlas, Amex Plat Travel and Infinia) but still Travel one has an advantage.

What benefits, bro? I ran some calculations with ChatGPT, and after seeing the reward rate, I felt it wasn’t worth it. I shared my response in this thread. "AXIS Atlas vs HDFC Regalia Gold vs AXIS Horizon vs HSBC TravelOne"

 

[TripleAce]

@BK7 -What happened to your HSBC Platinum?

 

[BK7]

@BK7 -What happened to your HSBC Platinum?

Reward rate very low bro.

 

[TripleAce]

Reward rate very low bro.

Okay!
With the recent revamp in HSBC, things are looking very attractive/ lucrative so you can upgrade your existing CC to a better one as suggested already by @superstar@123

You can also wait for more suggestions from fellow TF members on the same.

 

[aishwarya]

Hi.
I also need suggestions. can you please suggest me which good cards are easy to apply looking at the cards I have and I can get that for sure? You can suggest card to card also.
My Cards and their limits:
SBI ELITE 2.5 Lakh LTF
AXIS NEO 2.1 Lakh LTF

ICICI (MMT, CORAL RUPAY, SAPPHIRO AMEX & MASTER CARD) All of them share a combined limit of 2 lakh LTF

INDUSIND Rupay platinum 1.1lakh LTF
YES Rupay Virtual 2 lakh LTF

IDFC Millennia 70k LTF
IDFC First warm rupay secured 10K ( will close soon) 500/year

Kotak 811 secured 36k LTF
supermoney Utkarsh SFB secured 5k LTF

I got hdfc pixel play but since it came chargeable I didn't activate it and closed it.