Review & Guidance On My Little CC Collection
29M | Consultant | NIT & IIM Alumnus | CIBIL: 798
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Card Collection
**Axis Flipkart** – LTF (made lifetime-free by RM during COVID) | Used exclusively for Flipkart and Myntra purchases.
**ICICI Sapphiro** – LTF via Alumni offer | Reserved for ICICI-specific offers on short-haul flights and online shopping.
**AU Bank Ixigo** – LTF | Used only when a good deal is available on Ixigo.
**HDFC Tata Neu** – LTF after a promotional upgrade at the one-year mark | Primary card for BigBasket, phone and utility bill payments via the Tata Neu app, and HDFC-specific offers on Flipkart/Amazon.
**HSBC Live+** – ₹999/year | Recently acquired for HSBC-specific offers; intended primarily for Swiggy, Zomato, and DMart going forward.
**IndusInd Tiger** – LTF | Used for domestic lounge access; my only card with international transactions enabled — used for game purchases on Epic Games and high-value EMIs.
**SBI Aurum** – LTF via IIM Student offer | Primarily used for the ₹500 movie ticket discount and lounge access; also covers SBI-specific offers on Flipkart/Amazon. Reward points are redeemable for gift cards, though the conversion rate is underwhelming.
**IDFC First Wealth** – LTF | Recently acquired; yet to define a clear use case.
**Yes Bank Kiwi** – LTF | My primary UPI-linked credit card and most-used card last calendar year — ₹9,000+ in cashback on ₹2L+ in spending, along with 3 lounge visits utilised.
**Bank of Baroda Easy** – LTF (bundled with a car loan) | Effectively inactive; no regular usage.
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Portfolio Summary
- Total available credit: ₹42 lakhs
- Payment tracking: CRED (used for tracking and all bill payments)
- Official travel: Covered by company-issued Amex card | also all spends abroad onsite
- Main expenses : Rent ; Food ; To & Fro between Bangalore and Assam 4-5 times a year
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What I'm Looking For
I'll be candid — I need to exercise more financial discipline. Holding cards across ten different issuers creates a low-friction spending environment, which has occasionally led to unnecessary expenditure.
I'd appreciate advice on:
- Optimising my existing collection — which cards to retain or close
- Plugging any meaningful gaps in rewards, travel, or lifestyle benefits or better way to use the points already accumulated
- Any cards worth considering -that would offer a genuine upgrade over what I currently hold
Thanks in advance.