Please suggest which to Keep & Close?

Help Needed/ Question

Hello Fam,

Please help me assist in keeping non-overlapping Credit cards. I'll be super grateful to you all.

My CIBIL is 778

Age : 35

Salaried & Salary approx ₹1.3L

Top 5 Monthly Expenses : ~ ₹10k Groceries from either Reliance Point/Dmart or Local Retail

~ ₹5-10k/month or rarely >₹20k once a quarter from Flipkart or Amazon

Looking for mostly non Amazon or Flipkart payment PoS payments. Otherwise, mostly for UPI or Other e-com Merchant like Cred.

Lounge access : I have Indusland Tiger and Rupay Select by StableMoney Suryoday.

My Credit card stack :

  1. HDFC Money Back+ CC Master Card
  2. ICICI AmazonPay VISA (for Az purchase)
  3. SBMBank Niyo Visa Platinum (for 0 forex)
  4. SBM Bank Onecard CC Visa signature (for easy subscription manage)
  5. HDFC Bank Tata NeuCard+ Rupay Plantium
  6. Airtel Axis Bank CC Masters (for Airtel cashback)
  7. Indusland Tiger CC Visa Signature (for free lounge access)
  8. Kotak 811 Credit card Visa Platinum
  9. Suryoday StableMoney Rupay Select Credit Card
  10. Flipkart Axis Bank Credit Card VISA
  11. ICICI Coral Credit Card Rupay
  12. Super Rupay credit card

Kindly suggest which card to close and why?

Also recommend any card for PoS and non-popular E-comm purchase.

Tons of thanks 😊😊

Posted Oct 3, 2025, 5:11 PM UTC

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