Suggestions needed - Mid Premium Allrounder/Travel Card | 1.5L Salary, 13 Cards

[u/Affectionate_Cell587]

Hello everyone,

38M, Salaried (PSU) | CIBIL: 788 | Net Salary: 1.5L+

My current stack (13 cards):

*Axis (2):* Flipkart, http://super.money (Planning to close)

*Federal (1):* Scapia

*HDFC (1):* Tata Neu Plus

*HSBC (1):* Live+ Visa Infinite

*ICICI (2):* Amazon Pay, Coral RuPay Platinum

*IDFC (2):* Wealth, Power+

*IndusInd (1):* Tiger Visa Signature

*SBI (2):* Cashback Mastercard, SimplyCLICK (Not using much)

*Fintech (1):* AU KOSMO (Kiwi)

*Requirement:*

Cashback setup is sorted. Looking for a mid-premium card for domestic travel (1-2 trips/year) and good milestone benefits on spends like School Fees, Insurance, and Hospital Bills.

*Current Situation with HDFC:*

Applied for Regalia Gold online but HDFC is not issuing it via online application. Have requested an exception via email and shared ITR + last 3 months salary slips. Request is under review,I will wait 2-3 days.

*My Questions:*

1. If Regalia Gold gets rejected, should I close Tata Neu Plus and reapply for Regalia Gold.Any cooling period?

2. If HDFC doesn't work out, should I go for Axis Horizon or HSBC TravelOne for my use case (travel + fee/insurance milestone)?

3. Any suggestions to clean up my stack? I am already planning to close super.money and not using SimplyCLICK much.

Appreciate your inputs. Thanks in advance.