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Hey All,
I think I’ve overdone it with credit cards and now it’s getting a bit messy to manage 😅
Currently I have:
HDFC Millennia – 2.05L
HDFC RuPay – 87k
Amazon ICICI – 1.6L (LTF)
ICICI Coral – 1.6L (LTF)
Jupiter CSB – 2.1L (LTF)
OneCard – 38k (LTF)
UNI Card – 55k (LTF)
Most of them are lifetime free, so I never really bothered closing anything. But now it just feels unnecessary to have so many.
My monthly income is around 1.15L, and I mostly use cards for:
Amazon / online shopping
Food, travel, regular spends
Not really into hardcore reward optimization — just want a simple and useful setup.
What would you guys suggest:
Which ones are actually worth keeping?
Any I should close?
Does closing a few affect credit score badly?
Would appreciate any suggestions 🙌