Which Debit or Credit Card Have You Closed (or Plan to) in 2025 & Why?

[kuchbhikuchbhi is verified member.]

If I don’t get confirmation, how can I escalate?

if you have call recording
you can escalate to rbi imo

 

[Anindya98]

If I don’t get confirmation, how can I escalate? Didn’t find any email IDs on their contact page.

 

[maheshspanicker]

Haven't closed anything yet. But thinking of closing 2. They may not happen in 2025 as the renewals are in 26.
Amex MRCC. Too many restrictions, too many devaluations. And anything like the recent speculations materializes, then will not think any more.
IndusInd Eazydiner Signature. Recent devaluation has made it not worth holding on as a paid card. Particularly at an increased fee. Will most likely close it by Feb next year.

 

[2025]

Today closed Axis privilege LTF.
Retained IOCL-Axis (LTF) and Airtel-Axis (Paid).

 

[exo]

if you have call recording
you can escalate to rbi imo

Sadly I don't. This came to my mind during the call but I did not know if it is possible to start recording in middle of the call.

 

[kuchbhikuchbhi is verified member.]

Sadly I don't. This came to my mind during the call but I did not know if it is possible to start recording in middle of the call.

Then try with pno first

 

[Pravin1156]

@Anindya98 Brother, I have apply Federal credit card long back ago they rejected 2times, but today Imperio Credit Card approved with 1.51L limit.

Plan to apply for Indusind Delight debit card

 

[Pravin1156]

Today closed Axis privilege LTF.
Retained IOCL-Axis (LTF) and Airtel-Axis (Paid).

I closed Axis MYZONE (LTF) Already have ACE & Flipkart Axis, now plan to apply cashback credit card.

 

[Anindya98]

I closed Axis MYZONE (LTF) Already have ACE & Flipkart Axis, now plan to apply cashback credit card.

Why not SBI CB? Is there anything I'm missing with Axis CB?

 

[Pravin1156]

Why not SBI CB? Is there anything I'm missing with Axis CB?

I also have SBI Cashback Credit but Axis Cashback also gives sweet cashback of upto Rs.4000per statement with a online spend of 70k. So Axis cashback also useful

 

[2025]

I closed Axis MYZONE (LTF) Already have ACE & Flipkart Axis, now plan to apply cashback credit card.

I also have exact same plan. Will apply in July. I too have SBI cb.
But axis being axis, we don't know what's in store. Less we talk about it is better. If they keep it as it is ...this gonna be their flagship, high demand card. @Anindya98

 

[Pravin1156]

I also have exact same plan. Will apply in July. I too have SBI cb.
But axis being axis, we don't know what's in store. Less we talk about it is better. If they keep it as it is ...this gonna be their flagship, high demand card. @Anindya98

Why wait for July. Now it's available for apply right?

 

[2025]

Why wait for July. Now it's available for apply right?

Don't know. Busy on other stuff. Dm me the specific link if u get.

 

[akiratoriyama]

Tried cancelling my FK Axis card twice after clearing unbilled dues. Both times, they asked me to call again for fee reversal. On the last call, they said the fee would be charged today and to call back today to get it reversed.

So I did. But again, they wasted time trying to retain me. I said no. This time, the fee hadn’t been charged yet, so they said they can’t reverse it—and they also refused to take a cancellation request. Asked me to call again after a few days.

I told them I didn’t want to keep calling and dealing with their useless voice recognition, IVR, CC exec, then cancellation exec chain.

Now he says there’s still an unbilled amount and he can’t cancel it. I asked for an email ID to send a cancellation request after payment, he refused, saying cancellations aren’t accepted over email for “security reasons.”

Neither of the two executives I spoke to during the 20-minute call gave me any email ID.

So, while still on call, I paid the dues and waited for it to reflect. He kept saying he couldn’t help and asked to call again for fee reversal, I kept saying I won’t call again.

After a lot of back and forth, he finally agreed to raise the cancellation request but started trying to push a new LTF MyZone/Neo/some card. I was furious and said no again.

Eventually, he agreed to submit the cancellation request. I asked when I’d get confirmation. he said within 24 hrs. But I’m skeptical.

If I don’t get confirmation, how can I escalate? Didn’t find any email IDs on their contact page.

Mail to nodal.officer@axisbank.com

 

[wanderer0]

Debit Cards I wanna close:

• HDFC Easyshop Rupay Platinum: No use at all. Just sitting there for 200+GST. Just for some ATM usage in future if any. Suggestions?
• Niyo Global DCB & Niyo Global SBM: wanna close one of them as I got Indusind exclusive DC for 0 forex now. Any idea which bank is better? Also planning to get YES First or Grandeur if they are not strict about AMB as some say here.

Credit Cards I wanna close:

• ICICI Coral(2), Rubyx(2): Total 7 LTF CC from ICICI(incl Sapphiro & Apay). Wanna keep Sapphiro but it is missing railway lounge access. Suggestions welcome.
• YES RESERV: paid card for intl lounge access. Can I make it LTF if I open YES First or Grandeur (5 Lac IP max)?
• HDFC UPI Virtual: just 99+GST but no use as I have many rupay cards to spend on (IDFC Power+, PNB Select, Pixel Play, etc.)

I don't have any premium portfolio so it's all fine even if I don't close any. If someone can confirm that I don't need to maintain AMB for YES First or Grandeur, I'll most probably get one of those 0 forex cards and close niyo global ones soon.