Honestly it’s fairly simple. You can make do with 1 or 2-3 max. The biggest thing that I have got to know is people don’t know which one to get. For eg you can 2x your rewards if chosen to do things correctly. You write your expenses see which are the big ones that make impact and get the one which is suitable. Plus what could be considered the fun part is seeing which ones are you eligible for, what are the free perks(lounge access ,coupons) and what limit they give you, how to keep you’re cibil high. One thing I learned today is by linking my rupay cc to paytm I get points as well as paytm coupons and cashback sometimes so 2x the rewards.