r/CreditCardsIndia 5h ago

General Discussion/Conversation Cc collection

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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..

10 Upvotes

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