Hey folks,

Looking for some honest feedback from experienced credit card users here.

I’ve accumulated a bunch of cards over time, and I’m trying to rationalize my portfolio, especially identify which paid (non-LTF) cards might not be worth keeping anymore.

Here’s my current setup (annual charges mentioned are excluding GST):

Paid Cards:

• HDFC Tata Neu Infinity – ₹1,499
• HDFC Swiggy Card – ₹500
• Flipkart Axis Credit Card – ₹500
• Airtel Axis Credit Card – ₹500
• SBI Octane BPCL – ₹1,499

LTF Cards:

• HDFC Regalia Gold (Priority Pass lounge)
• HDFC Rupay UPI Card
• Amazon Pay ICICI Card
• ICICI Sapphiro (Mastercard + Amex, both LTF with Priority Pass)

What I’m trying to figure out:

• Which paid cards feel redundant or low value given this portfolio?
• Any overlapping benefits I might be missing?
• Which ones are actually worth paying annual fees for long-term?
• Would you recommend consolidating around fewer, higher-value cards?

Additional details for better suggestions:

• Current CIBIL: 780
• Age: 32
• Monthly Income & Employment: ~₹2L (Salaried)
• Monthly Expenses / Spending: ~₹1L

Spending Patterns:

Top Monthly Categories:

• Online shopping (Amazon/Flipkart/Myntra/Meesho/FirstCry) - Around 10K
• Food delivery (Swiggy/Zomato) - Around 5 K
• Utilities (electricity, mobile, etc.) - Around 5 K
• Fuel - Around 7k
• Subscriptions / OTT - Around 2k

Top Annual Categories:

• Electronics / big purchases - Mobile/Laptop/AC
• Travel (flights, hotels – occasional)
• Festival / sale shopping - ~20K
• Dining / outings - ~ 10k

Preferences:

• Preferred Benefits: Cashback + practical savings (not too inclined towards complex reward systems)
• Reward Preference: Cashback (primary), Reward points (secondary if high value)
• Lounge Access: Good to have (not a heavy traveler but useful occasionally)
• Other Needs:
  • Want to reduce unnecessary annual fee burden
  • Avoid overlapping cards with similar benefits
  • Prefer simple, high-value cards over too many niche ones

P.S. First post here, I would really appreciate your support and interaction. Feel free to be brutally honest 😄