I currently have the following cards:

💳 HDFC (Shared Limit – LTF)

• Regalia
• Swiggy
• Tata Neu

💳 Other Cards

• Airtel Axis (planning to close)
• Amex MRCC
• SBI BPCL
• BOB Eterna
• IndusInd Legend (planning to close)
• Amazon ICICI

Usage Pattern

• Primary cards: Amazon ICICI, BOB Eterna, SBI BPCL
• Airtel Axis: Only for recharge
• IndusInd Legend: Used by parents (low value, planning to close)
• HDFC cards: Rarely used (kept since first card / LTF)

💸 Annual Spend Breakdown

• Insurance: ₹50–60K
• Travel: ₹25–60K
• Phone bills: ₹10–12K
• Electricity: ₹24–30K
• Shopping (clothes, etc.): ~₹1L
• Medical + misc: variable

❓ Questions

1. Which cards should I close vs keep?
2. Am I missing any high-value card?
3. How to optimize spends across cards for maximum returns?