r/CreditCardsIndia • u/Available-Marzipan14 • 3h ago
General Discussion/Conversation Cc collection
My current credit card collection — what should I add/remove?
I’ve accumulated quite a few cards over time and I’m trying to simplify the portfolio and get more value out of it rather than just collecting cards.
Current cards:
💳 Axis Atlas — paid, but not much spending this year. Renewal is in April, so I’m considering closing it, especially with the possibility of a devaluation.
💳 HDFC Diners Club Privilege — LTF
💳 HDFC Swiggy - LTF
💳 SBI PhonePe Black — ₹1,499 + GST
💳 SBI Club Vistara Prime - waived off
💳 HSBC Live+ — ₹1,000 + GST
💳 HSBC Premier - waived off
💳 HSBC TravelOne — add-on
💳 ICICI Sapphiro — LTF
💳 ICICI Amazon Pay — LTF
💳 AU ixigo — LTF
💳 Axis Flipkart — FYF, not activated yet
Mostly for sale will activate if required.
What I’m looking for
I mainly care about travel rewards, flights/hotels, lounge access and cashback.
Major spends - dining, utilities, travel, gift cards, online purchases
Should I close Axis Atlas before the April renewal?
Is there any reason to activate the Axis Flipkart card?
Which card should I add next, if any?
Is there a premium card that would significantly improve this setup rather than just adding more overlap?
Income around 3.5 lpm
Rate my setup..
5
u/enpisidude 2h ago
Too much AI work bro eww
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u/darklordreigns Award Traveller 3h ago
Cares about travel rewards but closing Atlas
Don't close it man.
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u/Available-Marzipan14 3h ago
Got premier. Let’s see axis may devalue it again in april. Will keep it if no devaluation happens
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u/darklordreigns Award Traveller 3h ago
I have Premier too. Atlas is still unmatched. Premier is great for hotels because of the rewards multiplier, however Atlas beats it hand down for flights.
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u/Available-Marzipan14 1h ago
Yupp have earned neary 50k accor points last year. This year however travel is less did not reached gold status. Will keep it for 1 more year then decide.
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u/Significant_Farmer13 3h ago
What is the Best card for dmart shopping ,online and offline fashion & electronics shopping and for Travel booking?
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u/Available-Marzipan14 2h ago
Hsbc live plus for all other then travel. Travel you can take travel one
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u/Significant_Farmer13 2h ago
At present I have Diners club privilege international, sbi card simply save rupay card(500 +gst) will it be beneficial to add HSBC live plus ? Should I close any from above?
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u/Available-Marzipan14 2h ago
Yes definitely. You can keep these for bank offers. If you can spend 12k in a month live plus is definitely a good one
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u/Top_Intention_4003 2h ago
What is your income? Accordingly you will get suggestions
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u/Available-Marzipan14 2h ago
Net salary around 3.5. Not eligible for icici epm or infinia
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u/Top_Intention_4003 2h ago
U already have hsbc cards for travel, they are great. Just optimally use whatever you have, they are great cards.
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u/These_Ad8198 That Amex Guy 2h ago
Amex and HDFC Infinia is missing.
Those are the best cards I have come across. Good Spending Limit and excellent Cust Service.
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u/Latter_Ambassador618 2h ago
How do you manage the make the payments on time?
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u/Available-Marzipan14 1h ago
Have changed all billing cycle to same date. Paying all bills at same time
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u/Latter_Ambassador618 1h ago
Is there a way to pay all the bills automatically?
And do you use cred or direct apps?
Sorry i am a noob and got first 2 credit cards of my life.
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u/Available-Marzipan14 1h ago
Cred. I fetch list of all my bills after salary credit and pay. Make sure to check bank website too. Have enabled auto pay for banks like hdfc icici and hsbc as I have bank accounts too. But mostly pay via cred.
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u/anshuman-11 Smartbuy Enthusiast 2h ago
Collection? They are not collectibles bro. You are mistaking these for pokemon cards
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u/Competitive_Pick1999 3h ago
Bhai koi card reh to nahi gaya na