Hey folks, looking for some help from fellow credit card enthusiasts on streamlining my card portfolio. Here's what I currently hold:

  
**Primary Cards in Use:**

* **SBI Cashback (₹999 + GST)** – My go-to card, the annual fee is easily recoverable
* **SBI SimplyClick (₹499 + GST)** – Kept mainly for sale offers
* **Swiggy HDFC (LTF)** – Extensively used on Swiggy and Instamart
* **Airtel Axis (₹500 + GST)** – Used regularly for Airtel recharges
* **Amazon Pay ICICI (LTF)** – Occasionally used for offline government or jewellery payments

**Rarely Used / Confusing:**

* **Tata Neu Infinity (LTF)** – Only for Tata ecosystem (Croma, BigBasket etc.)
* **HDFC Millennia (FYF)** – Redemptions are a headache; barely used after SBI Cashback
* **HSBC Platinum (LTF)** – Thinking of converting to HSBC Live+ for groceries (₹999 fee)
* **Federal Signet (LTF)** – Only for Federal Bank offers
* **PNB Platinum (LTF)** – Biweekly Zomato food offers

**Almost Dormant / Offer-Based Use Only:**

* **ICICI Sapphiro (LTF)** – For sale offers
* **ICICI Coral (LTF)** – Got it because it was pre-approved in app
* **BoB Premier (LTF)** – Used when BoB offers pop up
* **BoB Energie (LTF)** – Same as above

I’m okay keeping LTF cards if they don’t clutter or reduce approval chances for better cards in the future. But I’d prefer trimming the fat. Thinking of closing 2-4 cards. Which ones would you suggest letting go? want to hear your thoughts

Thanks in advance!

[Help] Which Credit Card Should I Close?