pritamonline
KF Rookie
I am an IT professional and currently hold multiple credit cards, most of which I use actively. I am looking for suggestions on which cards are no longer beneficial and can be considered for closure. The oldest card I hold is the HSBC Platinum, which I have had since 2004. Over the years, I have added several other cards to my portfolio.
My average monthly spending is as follows:
Would appreciate any advice on which cards to retain/replace for their value and benefits, and which ones I can safely discontinue based on my spending profile.
Cards that I have:
Thank you!
Pritam
My average monthly spending is as follows:
- ₹20,000+ each on Amex MRCC, ICICI Amazon Pay, and IDFC Wealth cards.
- Less than ₹2,000 on each of the remaining cards listed below.
- Fuel (5-6K)
- Two mobile bills: ₹1,900 and ₹1,400
- Electricity (5-8K)
- Groceries (10-15K)
- School fees (60K/year)
- Domestic flights (about once every 6 months) (approx 20k in 6months)
- Dining (occasionally, around once a month) (4-5K)
- Electronics (3-5k)
- Society maintenance (paid via RuPay cards) (once in quarter 15K)
- Miscellaneous shopping (20-30K)
Would appreciate any advice on which cards to retain/replace for their value and benefits, and which ones I can safely discontinue based on my spending profile.
Cards that I have:
- HSBC Platinum
- Amex MRCC
- IndusInd Legend
- SBI Card Simply Save
- Standard Chartered Titanium
- ICICI Coral
- ICICI Amazon
- IndusInd RuPay
- YesBank Reserv
- YesBank RuPay
- HDFC Shoppers Stop
- HDFC Swiggy
- HDFC Tata Neu Infinity Visa
- IDFC Wealth
- IDFC RuPay
- PNB RuPay Platinum
- Federal Bank Celesta
- OneCard
- Axis Flipkart
- Axis MyZone
- Axis RuPay
Thank you!
Pritam