Suggestions on CC portfolio and Card closure

[SatyG]

Hi all,
I have the following CC portfolio and am seeking your suggestions on optimising the same. Let me know if I need to close any cards or add any for my use case.
Note: I did find a few similar threads, but couldn't find the details I was looking for personally

CC Portfolio:
1. Axis:
MyZone (LTF) - oldest account
Axis Flipkart (LTF) - for occasional flipkart/cleartrip transactions
Axis Airtel (Paid) - mostly used for utility bills and Airtel recharge

2. HDFC:
Diners Club Privilege (LTF under Alumni Offer)
HDFC Swiggy (LTF)
TATA Neu Infinity (FYF) - daily driver, mainly used for UPI

3. ICICI:
Amazon Pay - Not sure if I should keep it anymore
Coral Rupay (LTF) - was using this for UPI before I got Tata Neu
Sapphiro Dual (LTF under Alumni Offer) - for BMS BOGO only

4. SBI:
SimplyClick (LTF) - not sure if I should keep this

5. HSBC:
Visa Platinum (LTF) - for occasional offers on flight bookings

6. AU Small Finance:
Altura+ (LTF) - used only once so far, for flight bookings

7. IDFC First:
Wealth - Claimed RSA multiple times for my friends
HP Power+ - Primary driver for my fuel expense

8. RBL:
Shoprite (LTF) - Only used once for flight booking, very low limit

9. BOB card:
Premier (LTF) - for occasional offers

10. Federal Bank:
Signet - For occasional offers

I am not into the reward points game yet. Might think of it later when I plan international trips more.

I have tried for SBI Cashback multiple times, but every time I got rejected due to an overleveraged issue, as the limit of almost all the cards is very high. I mostly use HDFC Swiggy, TATA Neu Infinity for my daily expenses. Not sure how much value SBI Cashback will add, though.

Let me know if I need to close/add any cards to my portfolio. Or if you have any other suggestions, please let me know.

 

[Anupama_Jha]

No more changes suggested from my side.

Just close federal, else it will automatically after 1 yr of non-usage.

 

[VSC]

Hi all,
I have the following CC portfolio and am seeking your suggestions on optimising the same. Let me know if I need to close any cards or add any for my use case.
Note: I did find a few similar threads, but couldn't find the details I was looking for personally

CC Portfolio:
1. Axis:
MyZone (LTF) - oldest account
Axis Flipkart (LTF) - for occasional flipkart/cleartrip transactions
Axis Airtel (Paid) - mostly used for utility bills and Airtel recharge

2. HDFC:
Diners Club Privilege (LTF under Alumni Offer)
HDFC Swiggy (LTF)
TATA Neu Infinity (FYF) - daily driver, mainly used for UPI

3. ICICI:
Amazon Pay - Not sure if I should keep it anymore
Coral Rupay (LTF) - was using this for UPI before I got Tata Neu
Sapphiro Dual (LTF under Alumni Offer) - for BMS BOGO only

4. SBI:
SimplyClick (LTF) - not sure if I should keep this

5. HSBC:
Visa Platinum (LTF) - for occasional offers on flight bookings

6. AU Small Finance:
Altura+ (LTF) - used only once so far, for flight bookings

7. IDFC First:
Wealth - Claimed RSA multiple times for my friends
HP Power+ - Primary driver for my fuel expense

8. RBL:
Shoprite (LTF) - Only used once for flight booking, very low limit

9. BOB card:
Premier (LTF) - for occasional offers

10. Federal Bank:
Signet - For occasional offers

I am not into the reward points game yet. Might think of it later when I plan international trips more.

I have tried for SBI Cashback multiple times, but every time I got rejected due to an overleveraged issue, as the limit of almost all the cards is very high. I mostly use HDFC Swiggy, TATA Neu Infinity for my daily expenses. Not sure how much value SBI Cashback will add, though.

Let me know if I need to close/add any cards to my portfolio. Or if you have any other suggestions, please let me know.

You can keep the sbi card for online offers, since it is Ltf there is no harm