Should I Close HDFC Moneyback Plus Credit Card?

[Rajneesh Singh]

Hey fellow credit card users! I'm considering closing my HDFC Moneyback Plus Credit Card and I'd love your thoughts. Here's my current credit card portfolio:

- Amazon Pay ICICI Credit Card (Lifetime Free)
- Axis Airtel RuPay Credit Card (Paid)
- HDFC Swiggy Credit Card (Lifetime Free)
- SBI SimplyCLICK Credit Card (Paid)
- HDFC Moneyback Plus Credit Card (Paid)

I'm thinking of closing HDFC Moneyback Plus since I have other cards that offer better benefits. But before I make a decision, I'd like to hear from you:

- Do you think I should keep HDFC Moneyback Plus for credit score diversity?
- Are there any benefits I'm missing out on by closing this card?
- Would closing this card impact my credit utilization ratio significantly?

Let me know your thoughts on this.