I wanna close my SBI credit card but i am confused

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Last Comment 2022-09-21

2022-09-20

I have two SBI cards : Simplyclick and SBI prime card both are non ltf and I route all my expenses via SBI prime card and sometimes use Simplyclick . Benefits i am getting from SBI prime is pizza hut vouchers and converting rewards points to Amazon vouchers or some other vouchers . I route all expenses via prime to avoid annual fees of 2999 but now i have so many cc that it is impossible to spend 3 lakh from prime and 1 lakh from Simplyclick. I am holding axis Neo , axis Flipkart, hdfc millennia ltf, Bob select ltf, ICICI Amazon pay ltf, rbl titanium, lazypay card, postpe card , yes Bank business prosperity ltf, idfc millennia ltf, SBI simply click , SBI prime and now applied for axis Ace.
Kindly give your suggestion now managing these cards is getting overwhelming.

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https://www.desidime.com/discussions/i-wanna-close-my-sbi-credit-card-but-i-am-confused?page=1#post_8704978

getready

2022-09-20

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Place a closure request for SBI prime and when/if the retention team calls you.. state that you hold SBI CCs and the main reason for this request is them being paid (both). If you're fortunate , they might convert SBI prime to LTF

https://www.desidime.com/discussions/i-wanna-close-my-sbi-credit-card-but-i-am-confused?page=1#post_8704981

akki4554

2022-09-20

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I had same 2 cards. Last year, they gave 12K points to cover the annual charge for prime (had to pay gst though), but finally closed it this year. I still keep simplyclick just to have an sbi card at disposal, but frankly, thats also not worth now. I do most of my transactions on Axis Ace card now which has 2% cb which is pretty good.

I would suggest to close charge based cards slowly if they are not much useful on a regular basis. My biggest worry is now DIners Black card as I have stopped spending almost completely and dont want to spend 12K annual fees just to keep the card. That's for next year though. I dont have any other chargeable cards.

The offers are too scattered nowadays and no single card is enough. See your spend patterns for last 1-2 years and accordingly try to manage spends on 2-3 cards max. Rest can gather dust in some corner of your locker and use only when specifically needed.

https://www.desidime.com/discussions/i-wanna-close-my-sbi-credit-card-but-i-am-confused?page=1#post_8705966

Juniper

2022-09-21

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Is your simply click LTF now?

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https://www.desidime.com/discussions/i-wanna-close-my-sbi-credit-card-but-i-am-confused?page=1#post_8705002

10ven

2022-09-20

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1) Before you close, ask SBI to convert your Simplyclick to LTF, if that happens close Prime.

2) If they do not agree to step 1, raise the closure request. You may get call enquiring why you want close, explain the situation and you may get Simplyclick as LTF, if that happens close Prime.

3) Get SBI Cashback CC and close the two. Online spends of about 24k should even out the fee.

https://www.desidime.com/discussions/i-wanna-close-my-sbi-credit-card-but-i-am-confused?page=1#post_8705819

SnippierJoker

2022-09-21

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I also have sbi simply click and prime. I placed closure request on prime, the gave 12k reward point. Later I closed closure request for simply click they reversed me my annual charge. But I will be closing sbi prime next year as it is not at all useful with low reward rate and high fee. Will keep simply click for sale/offers.