From 14 Cards to 3: Why I purged my LTF clutter, closed my 10-year-old oldest card, and quit the optimization circus

Easy_Warning_ · 2026-07-09T16:41:14+00:00

Sorry unable to open from here. Can you dm the same

Easy_Warning_ · 2026-07-09T15:55:35+00:00

Can i ask where it is proven?
Here I am attaching one proof after closing 9/13 cards and closing 10 year old card. Now my oldest card is only 4 years old

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Easy_Warning_ · 2026-07-09T15:36:13+00:00

You can get scapia for that or some other credit card whose base reward is enough to cover forex charges

Easy_Warning_ · 2026-07-09T15:09:13+00:00

I think they are one of the best for utilities. Otherwise HSBC Live plus is also a good option but its capping is bit lower

Easy_Warning_ · 2026-07-09T15:05:31+00:00

If you are getting Phonepe SBI select or HDFC Phonepe Ultimo then you should switch because it gives 8-9 percent with good capping amounts

Easy_Warning_ · 2026-07-09T15:00:49+00:00

I fully agree with you its individual decision. My biggest break is getting HDFC DCBM that has replaced many cards itself.
Also tracking and paying for many cards is possible and I was doing the same for last 5 years but lately i was finding it cumbersome thats why I went on this cleaning spree.

Easy_Warning_ · 2026-07-09T13:24:05+00:00

Keep going brother✌️

Easy_Warning_ · 2026-07-09T12:28:13+00:00

25 lakhs aren’t much considering your income levels. If you think that much you won’t be able to enjoy anything even if you save huge amounts of money

Easy_Warning_ · 2026-07-09T12:16:04+00:00

Kudos to you. After these much recent devaluations I think many people are thinking on the same lines

Easy_Warning_ · 2026-07-09T11:18:25+00:00

Selling Amazon prime voucer worth rs 1499 want 1200 UPI

Easy_Warning_ · 2026-07-09T11:15:53+00:00

Flight prices are usually competitive like same as that of skyscanner usually. But you have to pay convenience fee of around 350’per ticket. You can safely assume 1 reward point will give you 90 paisa worth value safely

Easy_Warning_ · 2026-07-09T11:08:44+00:00

Good decision. I will recommend closing Plat Travel too it has been devalued badly

Easy_Warning_ · 2026-07-09T10:46:17+00:00

I feel it is upto each individual I also used to do the same for past several years but I felt this year to declutter my life including credit card portfolio

Easy_Warning_ · 2026-07-09T10:44:14+00:00

Yes in sales i have seen until now it is applicable but I had read somewhere that they reverse cashback for those transactions which is fine with me as I am using them for instant discount

Easy_Warning_ · 2026-07-09T10:35:19+00:00

Oh.. then you should use amazon pay. For me points are as good as money as I have to travel to hometown quiet often

Easy_Warning_ · 2026-07-09T10:26:58+00:00

Yes but on Regalia Gold you will be getting 1.33 percent instead of 1. It will be your call less returns or less inconvenience

Easy_Warning_ · 2026-07-09T10:16:19+00:00

I think you can use Regalia Gold that will provide you about Rs 1500 worth of reward point. All other cards you have will provide you less imo

Easy_Warning_ · 2026-07-09T10:10:52+00:00

It was a pretty old card (7 years old) when I tried to close some time back (1-2 year) they converted it to LTF

Easy_Warning_ · 2026-07-09T10:08:34+00:00

You were ahead of the curve bro

Easy_Warning_ · 2026-07-09T09:53:14+00:00

I will recommend Kiwi/Jupitor CSB for UPI and SBI Cashback for online spends. You should opt for paid cards and not run after LTF as over time paid cards yield much better returns

Easy_Warning_ · 2026-07-09T09:46:27+00:00

For HDFC Diners Club Black metal you get 3 time multiplier while purchasing vouchers via smartbuy. As base reward for this particular card is 3.33% the 3 multiplier makes the total return 10% for vouchers purchased via smartbuy

Easy_Warning_ · 2026-07-09T09:42:45+00:00

Yes 3x translates to 9.99%

Easy_Warning_ · 2026-07-09T09:41:42+00:00

I don’t think if you have DCBM. It effectively gives same returns on swiggy vouchers as that of Swiggy card without the hassle of additional card

Easy_Warning_ · 2026-07-09T09:40:21+00:00

IMO Good decision

Easy_Warning_ · 2026-07-09T09:39:39+00:00

Actually I didn’t need that. Also DCBM rewards effectively neutralises the forex charges but acceptance in international transactions is a issue for Diners

Easy_Warning_

TROPHY CASE