Advice needed on cards to discontinue

[pritamonline]

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:

• ₹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.

Spending pattern per month:

• 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)

I do not travel frequently but take one international trip approximately every two years.
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

 

[krishna1718]

• HSBC Platinum
• IndusInd Legend
• SBI Card Simply Save
• ICICI Coral
• IndusInd RuPay
• YesBank Reserv
• YesBank RuPay
• HDFC Shoppers Stop
• IDFC RuPay
• PNB RuPay Platinum
• Federal Bank Celesta
• OneCard
• Axis Flipkart
• Axis MyZone
• Axis RuPay. Close all these Try to get Axis airtel and Tata Neu infinity rupay for utilities and upi 90% will be covered with amex, sc titanium, airtel axis, hdfc swiggy, amazon icici, idfc wealth & Tata neu infinity

 

[PahulGoyal]

• HSBC Platinum
• IndusInd Legend
• SBI Card Simply Save
• ICICI Coral
• IndusInd RuPay
• YesBank Reserv
• YesBank RuPay
• HDFC Shoppers Stop
• IDFC RuPay
• PNB RuPay Platinum
• Federal Bank Celesta
• OneCard
• Axis Flipkart
• Axis MyZone
• Axis RuPay. Close all these Try to get Axis airtel and Tata Neu infinity rupay for utilities and upi 90% will be covered with amex, sc titanium, airtel axis, hdfc swiggy, amazon icici, idfc wealth & Tata neu infinity

Maybe keep the sbi simply save too. Good for sales.

 

[Astha31369]

Best Credit Cards to Keep (Based on Your Usage)

Amex MRCC – Great for earning points. You use it well.
ICICI Amazon Pay – 5% cashback on Amazon, no fees.
IDFC Wealth – Excellent all-rounder: rewards, lounge access, and no fee

Cards You Can Close or Downgrade

HSBC Platinum – Oldest card, but no good rewards.
→ Keep only if you want to maintain credit history.

ICICI Coral, SBI Simply save, SC Titanium – Outdated cards with poor rewards.
HDFC Swiggy, Shoppers Stop, Tata Neu – Niche cards. Close if not using these services.
One card – Nice app, but low rewards.
Axis Flipkart, MyZone – Close unless Flipkart is your go-to.
All RuPay Cards (except 1) – Keep just one for UPI or society payments.
YesBank RuPay, IndusInd RuPay, PNB RuPay, Federal Bank Celesta – No real use

Cards You Can Keep Only If Needed

YesBank Reserv – Keep if you need lounge or travel perks.
IndusInd Legend – Keep only if you benefit from dining/fuel offers.
Tata Neu Infinity – Keep if you shop at Tata brands like Croma/Big basket often

Final Suggestions for Pritam:

Keep only 5–6 cards: Amex MRCC, ICICI Amazon, IDFC Wealth, + 1 or 2 based on use.

Close unused ones before the next annual fee.

Keep your oldest card only if it helps your credit score.

Use IDFC/ICICI/Amex for most expenses like bills, groceries, shopping, etc.