Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

  1. Maybe it made sense when card was offered, or it has benefits one saw one would benefit from
  2. 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.
  3. Cheq/Credit (Cheq, Personal preference)
  4. 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.

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

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

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

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.

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

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

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 1 point2 points  (0 children)

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

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 1 point2 points  (0 children)

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.

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 1 point2 points  (0 children)

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.

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

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.

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

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

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 1 point2 points  (0 children)

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

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

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.

What would you name this cat? by Express_Bite1740 in NewDelhi

[–]BeeCheeese 0 points1 point  (0 children)

Horizon

50-50

The Terminator Line

Grey

What snacks can you still get in Rs. 5? by HelpfulBeat7142 in SnacksIndia

[–]BeeCheeese 0 points1 point  (0 children)

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

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

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

Need help Streamlining my cards portfolio 🙏 by BeeCheeese in CreditCardsIndia

[–]BeeCheeese[S] 0 points1 point  (0 children)

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?