u/ConsiderationHot6071

1. HDFC Diners Club Black Metal : Me and my father (add-on) use this as the primary credit card.
2. Axis Atlas : My father uses this since the edge miles give a really great miles transfer ratio.
3. AMEX Platinum Travel : Was my primary card before DCBM and mainly use this for Marriot points redemption. But this card is now very much devalued. Don't use it but still paying the fee.
4. AU Zenith+ : Only use this for lifestyle benefits such as Airport Meet & Greet, BookMyShow BOGO, Free Golf lessons etc.
5. IndusInd Tiger : Again, one of the best credit cards for beginner. Provides great lifestyle benefits and a free roadside assistance. Don't use it much. It's LTF.
6. Amazon Pay ICICI Credit Card : Don't use it. Sometimes for 5% or 3% cashback on amazon purchases. It's LTF.
7. YES Bank Elite+: Only use it for 25% off on movie ticket when I am going to the movies alone and use this on offers (YES bank always have offers on sale). It's LTF.
8. IDFC First WOW Credit Card: It's an FD based credit card which means I manage the limit of this card. Will primarily use this for international payments because of zero forex markup. It's LTF.
9. IDFC First Select Credit Card : This was a good card back then but it's devalued and useless now. Only keeping it for an upgrade to IDFC First Wealth Credit card in the future. It's LTF.
10. Axis MyZone : Again, it was a good card back then. Used it for BOGO on movie tickets and 120 off on Swiggy. Don't use it much. Only on offers. It's LTF.
11. Axis Neo (Rupay): Only use this for UPI payments and sometimes off on Zomato orders. Useless card otherwise. It's LTF.

I spend around INR 25,000 + GST for these credit cards as fee yearly and manage to get some decent returns (never calculated). But do suggest which cards to include in my portfolio and which one should I discard. My usage are mostly on flights, hotels, grocery, shopping, utilities, tax payments and insurances.