Closing Cards: Need help deciding which to close.

Hi! Plano kong magbawas ng credit cards ngayong taon at kailangan ko ng tulong kung alin ang dapat i-close. Karamihan sa gastos ko ay groceries, insurance, utilities (postpaid plan, Pag-IBIG housing loan, WiFi), at paminsang online orders sa Lazada at Shopee.

Current cards (from first to latest):

UnionBank Rewards Card – Acquired Oct 2023, ₱30k limit, No annual fee for life

HSBC Live+ (upgraded from HSBC Gold Visa) – Acquired May 2024, converted Sep 2025, ₱41k limit, No annual fee for life

EastWest Gold Mastercard – Acquired Jul 2024, ₱198k limit, ₱2,500 annual fee

Metrobank MFree – Acquired Dec 2024, ₱150k limit, No annual fee for life

UnionBank U Platinum – Acquired Jan 2025, ₱110k limit, No annual fee for life

BPI Amore Cashback – Acquired Mar 2025, ₱198k limit, ₱2,050 annual fee

BDO Gold Visa – Acquired Sep 2025, ₱60k limit, ₱2,500 annual fee

RCBC Gold Mastercard – Acquired Oct 2025, ₱88k limit, No annual fee for life

UB Platinum Cashback – Acquired Oct 2025, ₱190k limit, ₱5,000 annual fee