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How many active credit cards do you have? Flash your portfolio.

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rahulsethi

rahulsethi

TF Ace
Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 54 active credit cards as on date out of which 49 I got in last one and a half year only, completing my half century. Depth of credit 10+ years, CIBIL 798. Total credit limit across all cards is 1.5cr+.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
HDFC Paytm
Axis Atlas
Axis Air Vistara Infinite
Axis Airtel
Axis Indian Oil Premium
Axis Neo LTF
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature FYP
ICICI Makemytrip Platinum FYP
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
ICICI HPCL Supersaver Visa FYF
KOTAK White LTF
Kotak Myntra FYF
Kotak League Rupay LTF
SBI Cashback FYF
SBI BPCL
SBI Simplysave Rupay FYF
Amex Platinum Travel FYF
Amex Platinum Charge Card
Amex MRCC FYF
Bank of Baroda Premier Rupay LTF
Bank of Baroda HPCL Energie LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle FYP
Indusind Eazydiner FYF
Indusind Platinum Rupay LTF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
IDFC FIRST Digital Rupay
IDFC First Swyp
PNB Global Classic Visa LTF
Standard Chartered Platinum Rewards LTF
Standard Chartered Ultimate
AU SF LIT LTF
AU INSTAPAY RUPAY LTF
YES Bank Reserv Card
YES Bank Virtual UPI CC LTF
HSBC Platinum Rewards LTF
Jupiter Edge CSB Rupay LTF

Secured:
Gild SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Fi Federal Simplifi LTF
 
Last edited:
Apply For LTF AU LIT Credit Card
One question, hope you are able to get waiver for all paid cards either over talking to customer care or through spends. Otherwise I feel it is not worth paying fees against the benefits you get. I too keep applying cards but Big No to cards that give no or least benefit unless it is LTF
 
s73uresh said:
One question, hope you are able to get waiver for all paid cards either over talking to customer care or through spends. Otherwise I feel it is not worth paying fees against the benefits you get. I too keep applying cards but Big No to cards that give no or least benefit unless it is LTF
Click to expand...
Most of mine are LTF only, paid ones i only keep if the renewal benefits compensate the cost.
 
rahulsethi said:
Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Click to expand...
If I am not wrong, one must make atleast 1 transaction a year for the bank to not close it. How do you keep track and manage that?
And how do you keep track of bill payments too?
I personally own 12 cards, still a noob.
 
rahulsethi said:
Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Click to expand...
how do you manage so many cards?
 
rahulsethi said:
Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Click to expand...
Kotak White LTF how??
 
steiner03 said:
If I am not wrong, one must make atleast 1 transaction a year for the bank to not close it. How do you keep track and manage that?
And how do you keep track of bill payments too?
I personally own 12 cards, still a noob.
Click to expand...
I have fixed a time in month where I go through each app and pay it all even if there is time left so that I don't miss any
 
rahulsethi said:
Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Click to expand...
All unsecured

HDFC: DCB, Neu Infinity (Both LTF)
ICICI: Apay, Coral, Rubyx, Sapphiro (All LTF)
Amex: Gold, Platinum Travel(FYF)
SBI: Vistara Prime
PNB: Rupay Select (Conditional LTF)
BoB: ICAI, Premier (Both LTF)
Axis: Atlas, Vistara Signature, My Zone(LTF)
AU: Zenith(LTF)
Kotak: Myntra(FYF)
Federal: OneCard(LTF)
 
rahulsethi said:
Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Click to expand...
How to get LTF cc from icici bank .
I am having Amazon icici cc.
 
Last edited:
Walter White said:
All unsecured

HDFC: DCB, Neu Infinity (Both LTF)
ICICI: Apay, Coral, Rubyx, Sapphiro (All LTF)
Amex: Gold, Platinum Travel(FYF)
SBI: Vistara Prime
PNB: Rupay Select (Conditional LTF)
BoB: ICAI, Premier (Both LTF)
Axis: Atlas, Vistara Signature, My Zone(LTF)
AU: Zenith(LTF)
Kotak: Myntra(FYF)
Federal: OneCard(LTF)
Click to expand...
Bob ICAI - something exclusive for CA's?
 
Unsecured cards in my wallet:
- ICICI: APAY, Platinum (LTF)
- Federal: Onecard (LTF)
- AXIS: Myzone, Kiwi (LTF)
- HDFC: Millennia (LTF)
- Kotak: League Platinum (LTF)

Considering getting in the next 6 months:
- IDFC: Select/Wealth
- Amex: Platinum Travel/Reserve, MRCC

Note: I'm open to suggestions, aiming to keep my card count under 15 in my portfolio at any given time.
 
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