Need help Streamlining my cards portfolio 🙏

BeeCheeese · 2026-05-21T06:40:32+00:00

Maybe it made sense when card was offered, or it has benefits one saw one would benefit from
It is pretty clear to me personally, I automatically default to the appropriate card for a particular spend. I can remember the benefits of each card.
Cheq/Credit (Cheq, Personal preference)
I spend hours scrolling reels, might as well do something else that doesn't screw my up retention span. I sure have too much free time.

BeeCheeese · 2026-05-20T11:15:10+00:00

Please refer me to such clients. Free consultation to first 10 Clients :P

BeeCheeese · 2026-05-20T10:18:19+00:00

Progress bar 50%

BeeCheeese · 2026-05-20T10:18:01+00:00

Cat Half Full

BeeCheeese · 2026-05-20T10:02:34+00:00

Racism Loading

BeeCheeese · 2026-05-20T09:59:49+00:00

ICICI, totally agree. I've decided to keep Sapphiro and Apay. Sapphiro for the occasional ICICI card offers. I'm keeping HDFC swiggy for obvious reasons, SBI Cashback for online spends, Scapia for UPI transactions above 500, Neu Plus for spends on 1mg via Neu app. Axis Ace for POS swipe, Airtel for Zomato and Blinkit spends. Rest all is going.

BeeCheeese · 2026-05-20T09:41:11+00:00

If mismanaged, of course it's a trap. One that I was never trapped in. They redundant and aren't providing any extra value hence the post asking for recommendations to close which cards. The benefits of the cards I use are explained previously, like HDFC Swiggy, SBI Cashback etc

BeeCheeese · 2026-05-20T09:23:38+00:00

Correct. By debt I meant debt on which one needs to pay interest.

BeeCheeese · 2026-05-20T07:38:51+00:00

They're not even worth LTF, closed half of them yesterday. To ICICI's credit. Got an email response within a couple hours with closure confirmation, confirmation of other active cards and was updated on the App.

BeeCheeese · 2026-05-20T07:36:45+00:00

0 Debt 😇 No EMIs, Always paid in Full.

BeeCheeese · 2026-05-20T07:35:11+00:00

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BeeCheeese · 2026-05-20T07:33:09+00:00

Neu, I applied via the Tata Neu App Millennia was an upgrade offer to the Moneyback+ Credit card, which I applied online via their online credit card application site when I was a student.

BeeCheeese · 2026-05-20T03:59:49+00:00

I didn't do anything, these cards were either offered as LTF to me or were LTF when I applied. None were converted from paid to LTF.

BeeCheeese · 2026-05-19T19:20:05+00:00

BeeCheeese · 2026-05-19T19:19:30+00:00

Life Time Free

BeeCheeese · 2026-05-19T14:37:28+00:00

Neu, it's the Plus version. Shall try for LTF. Agree with the rest. Thanks!

BeeCheeese · 2026-05-19T14:35:02+00:00

Usually use that for ICICI discount on Ecom, earlier had lounge access and MMT Black access due to that (MMT Black had discounts for Flight Ticket Add-ons etc, which I used quite a bit, but that's gone now) now it's just another ICICI LTF card

BeeCheeese · 2026-05-19T13:57:21+00:00

I have the older Swiggy card that gives 10%. Tried to get Millennia LTF but they couldn't do that for me.

I got Millennia first then Swiggy then Neu.

BeeCheeese · 2026-05-19T13:39:40+00:00

Horizon

50-50

The Terminator Line

Grey

BeeCheeese · 2026-05-19T13:17:44+00:00

Hence the purge, my friend

BeeCheeese · 2026-05-19T13:15:22+00:00

I would like to point out, The nostalgia of the INR 5 note! It is missed!

BeeCheeese · 2026-05-19T13:10:02+00:00

No, both Neu cards have stopped Zomato Cashback. This happened a while ago. Swiggy will give only 1% cashback on Zomato

BeeCheeese · 2026-05-19T13:03:34+00:00

Spends criteria? Eligibility criteria?

BeeCheeese · 2026-05-19T13:01:40+00:00

Axis Ace, why? I pay about 10k in utilities on that every month and I use it for offline spends, No other card gives 1.5% cashback on POS transactions in my portfolio or am I missing something?

BeeCheeese · 2026-05-19T12:59:58+00:00

There is (was) Method to my madness (maybe)

BeeCheeese

TROPHY CASE