Which cards I should close and which cards I need to apply or upgrade?

63°
Deal Cadet
ENCOUNTER_SH...

Currently I've following cards. Please provide your suggestions Dimers.

Sapphiro AMEX+MC LTF

Coral Rupay LTF

Apay LTF

HPCL Coral LTF (my BM gave me saying that I can save more on petrol & thinking to upgrade this to HPCL SuperSaver LTF, is this possible?)

MyZone LTF (Hesitant to close this due to Swiggy discount)

Neo LTF

FK Axis LTF

Millennia Paid

SimplySave LTF (For Sales)

OneCard Federal LTF (For rare offers on Swiggy, Zomato)

BOB Select LTF (actually applied for Premier but got rejected and BOB created a new application without my consent and dispatched the card. Took it reluctantly so that one day I can reach Eterna)

StanC Platinum Rewards LTF (Took for occasional sale offers but not used till now)

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Deal Cadet Deal Cadet
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i see all are LTF and from different banks, no point in closing

Deal Subedar Deal Subedar
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Where is comment? I posted a comment here(i definitely typed it), it's gone.

Anyway. You are one lucky man, except for Millennia all cards are ltf.

I don't see the point in closing anything.

Maybe myzone seems redundant. Better make way for something cooler in the future.

Don't close your first card.

Maybe Ask hdfc to give you infinia or make Millennia ltf.  they might do it.

If you really hate some card in there for some reason, close it as well.

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Deal Cadet Deal Cadet
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i see all are LTF and from different banks, no point in closing

Generous Generous
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@ENCOUNTER_SHANKAR ... you've covered most of the banks and most of them are LTF

for ICICI Bank, you've redundant cards, so, you may get rid of either Coral RuPay or HPCL Coral whichever is less beneficial

also, later on you may have to cut down on either My Zone or Neo since Axis Bank allows max. 3 CCs only (some say 4th CC is also possible but I've less knowledge in this area) and what if you want to apply for a new and better Axis Bank CC (although all are devalued already but still wanted to notify about this)

regarding LTF ICICI Bank Sapphiro CCs, how did you get it considering yours is also an entry level CC portfolio with most of them being LTF ... I'm looking for Sapphiro LTF desperately since BOGO movie offer is devalued on IDFC First Bank Wealth CC

Deal Cadet Deal Cadet
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I've salary acnt + Personal loan in ICICI, came as an offer in iMobile
Deal Subedar Deal Subedar
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Where is comment? I posted a comment here(i definitely typed it), it's gone.

Anyway. You are one lucky man, except for Millennia all cards are ltf.

I don't see the point in closing anything.

Maybe myzone seems redundant. Better make way for something cooler in the future.

Don't close your first card.

Maybe Ask hdfc to give you infinia or make Millennia ltf.  they might do it.

If you really hate some card in there for some reason, close it as well.

Spearhead Spearhead
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I think nothing to close  use all d cards....

Post Emperor Post Emperor
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suggest good reward ltf rupay cc for upi payments mainly at nearby store and canteen and so on everyday use.

Deal Cadet Deal Cadet
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Most stores have turned off Rupay CC on UPI and I've Coral Rupay currently and thinking to take TATA Neu Rupay

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