bhavyakjain
KF Expert
Hi everyone, I'm looking to optimize my credit card portfolio. I’m a salaried employee with the following profile:
**Profile:**
* **Net Monthly Salary:** ₹2.22L
* **CIBIL Score:** 778
* **Spending Style:** Low to moderate; prefer LTF or self-sustaining cards.
**Current Cards:**
1. **Axis Ace** – Visa | ₹5L | ₹589 annual | Since Apr 2023
2. **HDFC Freedom** – RuPay | ₹5L | LTF | Since Dec 2024
3. **ICICI Amazon Pay** – Visa | ₹14.4L | LTF | Since Sep 2022
4. **ICICI Coral** – RuPay | ₹14.4L | LTF | Since Mar 2024
5. **IDFC Wealth** – Visa | ₹4L | LTF | Since May 2025
6. **SBI Cashback** – Visa | ₹2L | ₹1179 annual | Since Oct 2024
**Looking for guidance on:**
* Which cards to add (preferably LTF or reward-rich to offset fees)?
* How to request LTF conversions or **upgrade/migrate existing cards** (e.g., Freedom → Regalia, Coral → Sapphiro)?
* Best ways to optimize usage and rewards across my current cards.
Any tips or suggestions would be really appreciated.
Thanks in advance
**Profile:**
* **Net Monthly Salary:** ₹2.22L
* **CIBIL Score:** 778
* **Spending Style:** Low to moderate; prefer LTF or self-sustaining cards.
**Current Cards:**
1. **Axis Ace** – Visa | ₹5L | ₹589 annual | Since Apr 2023
2. **HDFC Freedom** – RuPay | ₹5L | LTF | Since Dec 2024
3. **ICICI Amazon Pay** – Visa | ₹14.4L | LTF | Since Sep 2022
4. **ICICI Coral** – RuPay | ₹14.4L | LTF | Since Mar 2024
5. **IDFC Wealth** – Visa | ₹4L | LTF | Since May 2025
6. **SBI Cashback** – Visa | ₹2L | ₹1179 annual | Since Oct 2024
**Looking for guidance on:**
* Which cards to add (preferably LTF or reward-rich to offset fees)?
* How to request LTF conversions or **upgrade/migrate existing cards** (e.g., Freedom → Regalia, Coral → Sapphiro)?
* Best ways to optimize usage and rewards across my current cards.
Any tips or suggestions would be really appreciated.
Thanks in advance
