Hey everyone,
I think I’ve ended up with too many credit cards and want to simplify.
Current cards:
- HDFC Regalia Gold
- ICICI Sapphiro
- Amazon ICICI
- Flipkart SBI
- HDFC Swiggy (₹500 annual fee)
- HDFC Tata Neu (LTF)
- SBI SimplyClick (₹500 annual fee)
- IDFC First
- OneCard
- HDFC RuPay (UPI)
- Scapia
Also have debit cards (SBI, HDFC, Equitas).
Usage:
- Online shopping (Amazon, Flipkart, Swiggy)
- UPI payments
- Movies occasionally
- Travel: ~2–3 domestic + 1 international trip/year
Details:
- SBI SimplyClick → I spend ~₹1–1.4L/year and get ₹2000 Yatra voucher at ₹1L
- Swiggy HDFC → ₹500 fee, not sure if worth it
- Tata Neu → LTF but I don’t use Tata apps much
Questions:
Is SimplyClick worth keeping just for milestone benefits?
Should I keep or close Tata Neu (since usage is low)?
Is Swiggy card worth ₹500 yearly?
Am I holding too many redundant cards?
Any better travel card suggestions for my travel frequency?
I feel Regalia + Amazon + Flipkart already cover most of my needs.
Would love practical advice from real users.
Thanks!