I need suggestion which credit card should i close ?
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I have a big list of credit cards i wanna close some of them but need suggestion.
Requirement - Online E com shopping , swipe at stores like reliace fresh , rajmandir etc
list of credit cards
1) Axis Neo Card ( Ltf)
2) Axis Ace ( paid)
3) Flipkart Axis( paid)
4) Sbi Simplyclick (paid)
5) Sbi card Prime ( paid) ( able to get waiver but this time i wont be able to reach the spend milestone)
6) Amazon Pay (Ltf)
7) Icici Bank coral ( ltf)
8)Hdfc Millenia (ltf)
9) Hdfc Neucard+ ( paid)
10) One metal card ( ltf)
11) Idfc Millenia ( ltf)
12) Dbs Bank SuperCard ( paid)
13 ) Yes Bank Prosperity Business ( ltf)
14) RBl Titanium ( paid) but able to get waiver from CC everytime
I just wanna keep the ones which are useful and ltf and get rid of the useless ones if they are not ltf
Kindly help thanks a lot
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you can close one of sbi card , and keep one for Amazon offers.
1. HSBC Cashback ( 10% cashback on dining, groceries, food delivery up to 1000 per month, unlimited 1.5% cashback on online & offline spends)
2. ICICI Amazon Pay ( for bill payments and Amazon related spends, flat 1% cashback on other spends including Wallet loads)
3. HDFC millennia ( 5% cashback on partner websites like Flipkart up to 1000 per month)
For normal users these 3 cards would cover almost all.
If possible try to apply HSBC Cashback Card and close unwanted cards from your collection
@root24 is there a harm in keeping ltfs ?
If you already have HDFC Millenia and Axis Ace then why you're holding a paid Flipkart Axis card till yet? After the recent devaluation, Flipkart Axis rewards will be matched with the Amazon Pay ICICI credit card.
Don't close any LTF cards, there is no harm to keep those cards.
1) Axis Neo Card ( Ltf)
2) Axis Ace ( paid) try to get Axis Airtel card
3) Flipkart Axis( paid) try to threaten them to close the card if it's not converted to Ltf
4) Sbi Simplyclick (paid)
5) Sbi card Prime ( paid) ( able to get waiver but this time i wont be able to reach the spend milestone)
6) Amazon Pay (Ltf)
7) Icici Bank coral ( ltf)
8)Hdfc Millenia (ltf)
9) Hdfc Neucard+ ( paid)
10) One metal card ( ltf)
11) Idfc Millenia ( ltf)
12) Dbs Bank SuperCard ( paid)
13 ) Yes Bank Prosperity Business ( ltf)
14) RBl Titanium ( paid) but able to get waiver from CC everytime
2,3,4,5,12