Yes, I know – it does seem excessive!

4 payment (1 business plus 3 personal)
2 employment (university)-related
1 driving licence
1 medical exemption cert.
1 Waitrose
5 clubs & societies (NT, EH, camping & caravan club, etc)
and a couple of miscellaneous ones. (I discovered one had expired, so I’m down to 16!)

Even though I almost never take my wallet out of my pocket in normal use, each of these would on occasion cause inconvenience if I suddenly discovered I didn’t have it. I wish I could just load them all onto my phone somehow!

I think this looks quite nice, though:
https://bellroy.com/products/card-pocket/default/navy

Might give it a try.