[Portfolio Review Request] Suggestions Needed — Premium CCs, Usage Patterns & Trimming Advise

[sardeep]

Hi all,
I’d love to get some expert feedback and suggestions on my credit card portfolio — whether I’m missing out on value, and if there are cards I should consider adding or trimming. Here’s my current lineup along with usage and fee details:

My Credit Cards & Credit Limits​

1. HDFC Infinia, Tata Neu Infinity, Pixel

• Combined Limit: INR 10 Lac

2. AMEX Platinum Travel

• Limit: INR 8 Lac

3. AMEX MRCC

• Limit: INR 4 Lac

4. ICICI Sapphiro, Amazon ICICI, ICICI Coral Rupay

• Combined Limit: INR 8 Lac

5. Scapia (just received, not started using)

• Limit: INR 5 Lac

6. IndusInd Tiger (just received, not started using)

• Limit: INR 5 Lac

Annual Charges​

HDFC Infinia	12,500	Waived via spends
Tata Neu Infinity	1,499	Paid
Pixel	0	LTF
AMEX Platinum Travel	5,000	Paid
AMEX MRCC	0	LTF
ICICI Sapphiro	0	LTF
Amazon ICICI	0	LTF
ICICI Coral Rupay	0	LTF
Scapia	0	LTF
IndusInd Tiger	0	LTF

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Card​

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Annual Fee (INR)​

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Waived/LTF​

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Card Usage Details​

• Infinia: My daily driver, mainly through SmartBuy portal (vouchers, flights). Capped spends rarely hit monthly 15k bonus. Use points primarily for domestic flights (2-3 return/month, mainly Air India Premium Economy). This will reduce with permanent WFH.
• AMEX Plat Travel: Used post-renewal to hit 4L spends for milestone then shift back to Infinia.
• AMEX MRCC: Only for the monthly bonus points via 4x1500 txns; purchase Amazon vouchers.
• Tata Neu Infinity: For UPI payments, where CC is accepted. ~10k/month.
• Pixel: Barely used (only bought concert tickets).
• ICICI Sapphiro: For BMS movie tickets + ICICI discounts.
• Amazon ICICI, Coral Rupay: Not used.
• Scapia: Added for zero forex markup, not used yet.
• IndusInd Tiger: Picked for international lounge access for family (daughter is 8 so no longer eligible for free lounge). Not used yet.

Spends and Patterns​

• Total monthly spends: INR 2L–2.5L (can spike higher with vacations/purchases)
• Voucher use: Wherever possible, for maximising rewards.
• Travel: Reduced domestic flights going forward.

My Queries​

1. Portfolio Sufficiency: Is this lineup optimal for someone with my spends and travel patterns? Am I missing any high-value cards — especially for lounge access (family), travel, or cashback?
2. Trimming: Are there cards here that serve no real purpose and can be cancelled, especially LTF ones? Keeping track of too many sometimes feels unnecessary.
3. Special Recommendations: Should I consider shifting spend patterns to tap into better rewards/cashback, or add a card that fits a new need (international travel, UPI spends, etc.)?
4. Unused Cards: Does it affect CIBIL if I close the rarely-used Amazon ICICI, Coral Rupay, or Pixel (which was a hype card but doesn't give me much now)?

Thanks for reading and sharing any thoughts/advice — especially if you have similar spends or have optimized your own portfolio for rewards/travel/perks.
Happy to answer follow-ups with more details if needed!

 

[Anupama_Jha]

Get either axis @m4b or Atlas

 

[TripleAce]

Get either axis @m4b or Atlas

Best advice of the day!!

 

[HumorSimpson]

Close pixel.
Swap TNI with kiwi to get better rewards.
Close icici cards.

 

[sardeep]

Best advice of the day!!

Should I keep both infinia and M4B, or sholud i close infinia?

 

[sardeep]

Get either axis @m4b or Atlas

Should I keep both infinia and M4B, or sholud i close infinia?

 

[HumorSimpson]

Can you edit your first post ? It's displayed in grey on white, unable to read

 

[TripleAce]

I would have kept both!
Infinia gives renewal benefits so not much of a loss IMO!
M4B you can discuss with your RM/BM and try for LTF but I’m not sure if that’s possible these days. It’s highly rewarding if your spends are 2 lakhs+ per month.

 

[praful1947]

Howcome mrcc LTF ?