
Card consolidation done
After a multi month exercise, I am finally done with consolidation. I am closing my other lower end paid cards and will just keep the LTF ones such as Axis FK, OneCard etc.
As for my core stack, here is how I am planning to use it -
Amex MRCC - Buy 4 × ₹5K Amazon Pay vouchers to hit the monthly milestone, then use the Amazon Pay balance for miscellaneous expenses.
HDFC DCBM - My primary daily driver. I'll use it for most of my regular spending and extensively use SmartBuy vouchers.
HSBC Premier - Backup for HDFC DCBM. I will also use it for booking flights/hotels if the deal is better on HSBC Hopper when compared to HDFC SmartBuy.
The plan is to move away from Cashback and entirely to Reward Points.