Think managing multiple credit cards is overwhelming? Here’s how I turned 20+ cards into a smart financial advantage.

The Ultimate Guide to Managing 20+ Credit Cards

A practical guide to handling multiple credit cards responsibly, maximizing benefits, and keeping your finances in control.

When people hear that I manage over 20 credit cards from banks like IndusInd, HDFC, Axis, Kotak, and even partnership cards like ICICI Amazon and SBI Ola, the immediate reaction is usually shock. Why would anyone need so many credit cards? they ask. And honestly, they’re right! Most people do just fine with 3 or 4 cards. But if you’ve got the right tools, discipline, and strategies in place, managing a larger number of cards can be more manageable than it seems — and even rewarding. Here’s how I do it without missing payments or overspending, and how you can apply some of these lessons, even if you only have a few cards.

My card collection(number obfuscated)

Lesson 1: Never Bite off more than you can Chew

Before diving into how I manage these cards, let’s be clear — having this many cards isn’t something I recommend for everyone. For most people, 3 to 4 cards are more than enough. I only advocate…