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Which Debit or Credit Card Have You Closed (or Plan to) in 2025 & Why?
- Thread starter Anindya98
- Start date
- Replies 300
- Views 11K
maheshspanicker
TF Premier
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.
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.
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.
Pravin1156
TF Premier
@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
Plan to apply for Indusind Delight debit card
Pravin1156
TF Premier
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
TF Premier
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
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
TF Premier
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
TF Premier
Mail to nodal.officer@axisbank.com
Debit Cards I wanna close:
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.
- 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.
- 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.
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nikhilv0303
TF Premier
Axis CASHBACK also gives 5% for online?
sahil1033
TF Premier
CCs :
ICICI Bank Platinum CC - I already have Amazon Pay, Coral RuPay, Sapphiro Mastercard & Sapphiro American Express ... so, can close it as I already have several core cards. I'll either get it closed or take Rubyx CC LTF as replacement.
Axis Bank Rewards CC - I got this CC migrated from Citibank and it's of pretty much no use to me now, so, thinking to close it. Also, it's a paid card and Rs. 30k is needed for annual fee waiver but why even keep it since I have Neo RuPay CC (LTF) as core card. One more reason for its closure would be, I hold 3 CCs from Axis Bank and I'm not going to close Flipart CC for sure as it's LTF, so, the best case would be to close Rewards CC.
HDFC Bank Regalia CC - I have this CC LTF and have been waiting to get Diners Club Black CC LTF when it was being given during Covid-19, then I got upgrade offer for Regalia Gold LTF which I didn't take and now I'm not even getting LTF upgrade for Regalia Gold. Regalia serves as core card for me, it's LTF but it's of pretty much no use, so, if I get an upgrade to Regalia Gold LTF, I would surely take it but if there's a possibility of getting LTF upgrade to Diners Club Black, then please let me know or give me any pointer. I've Imperia relationship with HDFC Bank and salary account too.
IndusInd Bank Legend CC - I want to upgrade this card to Pinnace CC LTF but I keep on getting upgrade offer by paying joining fee of Rs. 15k which I won't do. Any pointers to get LTF upgrade then please let me know.
Ola Money SBI CC - It's not a core card but it does work for me during SALE. I got it converted as LTF card but don't want to use it because of poorest reward system and cashback forfeit trauma from SBI. I enquired SBI to replace it with SimplyClick CC LTF but I was denied and only because it works in instant bank discount, I'm continuing using it. If there's any good suggestion to take a good core card from SBI in replacement of this, please let me know.
DCs :
NSDL Payments Bank DC (virtual) - I'm going to close NSDL Payments Bank as it's serving me no purpose now and in return I'm paying Rs. 5 + GST every month. Once it completes 18 months, I'll close the bank account.
Unity Small Finance Bank RuPay Select DC - I already have RuPay Select DC from Bank of Baroda and eyeing for taking RuPay Select DC as soon as Unity Small Finance Bank launches it since it's mentioned on their website that it only comes with joining fee and no annual fee. If that would be the case, I would take a decision to maybe discontinue RuPay Select DC from bob and downgrade account variant from Super Savings (Rs. 20k QAB) to Advantage (Rs. 2k QAB).
IndusInd Bank Select/Exclusive DC - I can open ZERO MAB/QAB account with Legend CC but I'm willing to take LTF upgrade to Pinnacle and open ZERO balance account with it. I get confused between Select and Exclusive account variants and which one is for Legend and Pinnacle but hope you get my point.
DBS Bank RuPay Platinum DC - I was about to close DBS Bank Savings A/C but kept it only because they had launched RuPay Platinum DC. Now with RuPay offer gone on Amazon, I'll close the bank account and thus the DC will be gone as well. But in return, I'm thinking to get Spark CC from them so that I can still avail offers from DBS Bank which I often see at some places.
I guess that's it, will add more when I recall.
ICICI Bank Platinum CC - I already have Amazon Pay, Coral RuPay, Sapphiro Mastercard & Sapphiro American Express ... so, can close it as I already have several core cards. I'll either get it closed or take Rubyx CC LTF as replacement.
Axis Bank Rewards CC - I got this CC migrated from Citibank and it's of pretty much no use to me now, so, thinking to close it. Also, it's a paid card and Rs. 30k is needed for annual fee waiver but why even keep it since I have Neo RuPay CC (LTF) as core card. One more reason for its closure would be, I hold 3 CCs from Axis Bank and I'm not going to close Flipart CC for sure as it's LTF, so, the best case would be to close Rewards CC.
HDFC Bank Regalia CC - I have this CC LTF and have been waiting to get Diners Club Black CC LTF when it was being given during Covid-19, then I got upgrade offer for Regalia Gold LTF which I didn't take and now I'm not even getting LTF upgrade for Regalia Gold. Regalia serves as core card for me, it's LTF but it's of pretty much no use, so, if I get an upgrade to Regalia Gold LTF, I would surely take it but if there's a possibility of getting LTF upgrade to Diners Club Black, then please let me know or give me any pointer. I've Imperia relationship with HDFC Bank and salary account too.
IndusInd Bank Legend CC - I want to upgrade this card to Pinnace CC LTF but I keep on getting upgrade offer by paying joining fee of Rs. 15k which I won't do. Any pointers to get LTF upgrade then please let me know.
Ola Money SBI CC - It's not a core card but it does work for me during SALE. I got it converted as LTF card but don't want to use it because of poorest reward system and cashback forfeit trauma from SBI. I enquired SBI to replace it with SimplyClick CC LTF but I was denied and only because it works in instant bank discount, I'm continuing using it. If there's any good suggestion to take a good core card from SBI in replacement of this, please let me know.
DCs :
NSDL Payments Bank DC (virtual) - I'm going to close NSDL Payments Bank as it's serving me no purpose now and in return I'm paying Rs. 5 + GST every month. Once it completes 18 months, I'll close the bank account.
Unity Small Finance Bank RuPay Select DC - I already have RuPay Select DC from Bank of Baroda and eyeing for taking RuPay Select DC as soon as Unity Small Finance Bank launches it since it's mentioned on their website that it only comes with joining fee and no annual fee. If that would be the case, I would take a decision to maybe discontinue RuPay Select DC from bob and downgrade account variant from Super Savings (Rs. 20k QAB) to Advantage (Rs. 2k QAB).
IndusInd Bank Select/Exclusive DC - I can open ZERO MAB/QAB account with Legend CC but I'm willing to take LTF upgrade to Pinnacle and open ZERO balance account with it. I get confused between Select and Exclusive account variants and which one is for Legend and Pinnacle but hope you get my point.
DBS Bank RuPay Platinum DC - I was about to close DBS Bank Savings A/C but kept it only because they had launched RuPay Platinum DC. Now with RuPay offer gone on Amazon, I'll close the bank account and thus the DC will be gone as well. But in return, I'm thinking to get Spark CC from them so that I can still avail offers from DBS Bank which I often see at some places.
I guess that's it, will add more when I recall.
Pinnacle is not LTF currently but if you close Legend, after 3 months(?) you can apply for Pinnacle and get joining fee(5k) reversed upon spending 50k in 90 days. You also get exclusive account 0 amb with Pinnacle. With legend you get a select account.
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sahil1033
TF Premier
Yes, right ... Exclusive is with Pinnacle and Select is with Legend.
Exclusive Savings A/C is better than Select Savings A/C, right?
Can I get upgrade to Pinnacle when I close Legend CC ... maybe they will upgrade when I try closing Legend CC. BTW, how will I get Pinnacle CC with Rs. 5k joining fee?
