Best Credit Card Portfolio

[biswa]

Hello, I am new to TF and I have the following credit cards.

SBI CB (heavily used)
SBI SC
HDFC Neu Infinity (heavily used)
HDFC Millenia
Axis Ace
Axis Airtel (heavily used)
Yes Finbooster
AU LIT
IndusInd Signature Legend
IDFC First Millenia
APAY
RBL Shoprite
RBL Paisabazaar Duet
SC EaseMyTrip
Kotak PVR
Kotak UPI
Scapia.

I know I had applied for some unnecessary cards and now I want to optimize.

Please suggest which cards to remove from the above list and add some new ones (if required).

 

[Shroud]

Get rid of Axis Ace before renewal.

 

[devine_mortal]

Depends on how many of them are paid and theis usage. If a card is LFT, keep it even of not used, otherwise, get rid of it except an SBI card maybe.

Rest you've got good HDFC cards and both are quite rewarding.

 

[Nishan11]

Hello, I am new to TF and I have the following credit cards.

SBI CB (heavily used)
SBI SC
HDFC Neu Infinity (heavily used)
HDFC Millenia
Axis Ace
Axis Airtel (heavily used)
Yes Finbooster
AU LIT
IndusInd Signature Legend
IDFC First Millenia
APAY
RBL Shoprite
RBL Paisabazaar Duet
SC EaseMyTrip
Kotak PVR
Kotak UPI
Scapia.

I know I had applied for some unnecessary cards and now I want to optimize.

Please suggest which cards to remove from the above list and add some new ones (if required).

Ace & duet.

 

[Deleted member 30446]

Hello, I am new to TF and I have the following credit cards.

SBI CB (heavily used)
SBI SC
HDFC Neu Infinity (heavily used)
HDFC Millenia
Axis Ace
Axis Airtel (heavily used)
Yes Finbooster
AU LIT
IndusInd Signature Legend
IDFC First Millenia
APAY
RBL Shoprite
RBL Paisabazaar Duet
SC EaseMyTrip
Kotak PVR
Kotak UPI
Scapia.

I know I had applied for some unnecessary cards and now I want to optimize.

Please suggest which cards to remove from the above list and add some new ones (if required).

Remove: SBI SC, Axis Ace, Yes Finbooster, IDFC First Millenia, RBL Shoprite, RBL Paisabazaar Duet, SC EaseMyTrip, Kotak PVR

Now, try getting hdfc Millenia upgraded, Convert Legend into Pinnacle without joining fees, after removing idfc Millenia reapply for wealth, after Kotak is back again apply for the Myntra card and if Scapia limit was reduced signifincatly recently also get rid of that card. Also try to get Yes Marquee/Reserv after getting rid of finbooster.

If you are into miles get Atlas (upgrade via other Axis card)

What is your limit on HDFC and Sc cards btw?

 

[biswa]

Get rid of Axis Ace before renewal.

Already prepared to close Ace after clearing this month statement.

 

[biswa]

Ace & duet.

Already applied to close Duet and will close Ace after this statement month.

 

[Deleted member 30872]

Remove: SBI SC, Axis Ace, Yes Finbooster, IDFC First Millenia, RBL Shoprite, RBL Paisabazaar Duet, SC EaseMyTrip, Kotak PVR

Now, try getting hdfc Millenia upgraded, Convert Legend into Pinnacle without joining fees, after removing idfc Millenia reapply for wealth, after Kotak is back again apply for the Myntra card and if Scapia limit was reduced signifincatly recently also get rid of that card. Also try to get Yes Marquee/Reserv after getting rid of finbooster.

If you are into miles get Atlas (upgrade via other Axis card)

What is your limit on HDFC and Sc cards btw?

is there any trick to get wealth ?
few months back closed select cc

 

[Deleted member 30446]

is there any trick to get wealth ?
few months back closed select cc

Highest cc limit out of all cards?

 

[Deleted member 30872]

Highest cc limit out of all cards?

8L

gud aftrnoon founder

 

[Deleted member 30446]

8L

gud aftrnoon founder

When you get the pop up for c2c just enter this card’s details and you’ll probably get it. If not use another number to apply and then change number to yours later.

 

[Kumar93196]

8L

gud aftrnoon founder

Just mention hdfc cc and 8l limit and try with new no if you don't have any relationship with idfc for wealth

 

[Krishna Kumar]

I don't think IDFC wealth cc is anymore attractive, post devaluation.

 

[biswa]

Remove: SBI SC, Axis Ace, Yes Finbooster, IDFC First Millenia, RBL Shoprite, RBL Paisabazaar Duet, SC EaseMyTrip, Kotak PVR

Now, try getting hdfc Millenia upgraded, Convert Legend into Pinnacle without joining fees, after removing idfc Millenia reapply for wealth, after Kotak is back again apply for the Myntra card and if Scapia limit was reduced signifincatly recently also get rid of that card. Also try to get Yes Marquee/Reserv after getting rid of finbooster.

If you are into miles get Atlas (upgrade via other Axis card)

What is your limit on HDFC and Sc cards btw?

Not sure if I will have an option to upgrade Hdfc Millenia as my usage of Millenia is very low.

Little bit reluctant to remove SBI SC as I use that for Amazon and Flipkart offers (do let me know if I can use any other from my current card list).

Will close rest of the cards.

I generally don't travel much (like not at all). Also Yes Marquee/Reserv has very high fee.

Limits:
HDFC - 2.3L
SC (Standard Chartered) - 1.36L
SC (SBI SC) - 1.1L (transferred some to CB)

 

[biswa]

Depends on how many of them are paid and theis usage. If a card is LFT, keep it even of not used, otherwise, get rid of it except an SBI card maybe.

Rest you've got good HDFC cards and both are quite rewarding.

SBI CB (waived)
SBI SC (paid)
HDFC Neu Infinity (waived)
HDFC Millenia (LTF)
Axis Ace (Paid)
Axis Airtel (Paid)
Yes Finbooster (LTF)
AU LIT (LTF)
IndusInd Signature Legend (LTF)
IDFC First Millenia (LTF)
APAY (LTF)
RBL Shoprite (LTF)
RBL Paisabazaar Duet (LTF)
SC EaseMyTrip (Paid)
Kotak PVR (FYF)
Kotak UPI (LTF)
Scapia. (LTF)

My main uses are very basic like online spend, grocery, UPI and different bills. Around 5-6L.

 

[karuturi24]

Apply HSBC Cashback ( with add-on card, you will get 2k cashback every month on 20k spends on dining, groceries ( both offline and on-line), food delivery apps).
Annual fees 1k waived off on 2L spends.
1.5 % unlimited cashback on offline spends except few excluded categories.
HDFC nue infinity for UPI spends
HDFC Millennia for Amazon and Flipkart spends
Axis Airtel for utilities
You can have ICICI core card for card offers

 

[Deleted member 30872]

Apply HSBC Cashback ( with add-on card, you will get 2k cashback every month on 20k spends on dining, groceries ( both offline and on-line), food delivery apps).
Annual fees 1k waived off on 2L spends.
1.5 % unlimited cashback on offline spends except few excluded categories.
HDFC nue infinity for UPI spends
HDFC Millennia for Amazon and Flipkart spends
Axis Airtel for utilities
You can have ICICI core card for card offers

hsbc addon card gives addtional 1k cb ?

 

[karuturi24]

hsbc addon card gives addtional 1k cb ?

Yes additional 1k

 

[MudraMantra]

Hi TF CC gurus, new member here. I'm not new to credit cards but I never cared about cashbacks or rewards before. But after coming across this forum, I realized how much I'm losing out.

After following Technofino and 2 other you-tube channels I added 8 cards in my folio in 2023.

• SBI Simply Save - paid
• HDFC Regalia First - LTF
• HDFC UPI virtual card - LTF
• Axis Flipkart - Paid
• Axis myZone - LTF
• AU XciteUltra - LTF
• IndusInd Legend - LTF
• IDFC First Select - LTF
• ICICI - Platinum/ Amazon/ Coral/ Rubyx(all 3 variant) - LTF
• SC Digismart - LTF
• Kotak League - LTF
• BOB Easy - LTF
• CITI Rewards - LTF after annual 30K spend
• HSBC platinum - LTF
• Federal Celesta - LTF

HDFC Tata Neu Infinity - FYF - application in progress.

Now I want to optimize.

I hope you can make some suggestions on adding / deleting credit cards to/ from my list.
Please suggest which cards to remove from the above list and add some new ones (if required).

 

[Deleted member 30872]

Hi TF CC gurus, new member here. I'm not new to credit cards but I never cared about cashbacks or rewards before. But after coming across this forum, I realized how much I'm losing out.

After following Technofino and 2 other you-tube channels I added 8 cards in my folio in 2023.

• SBI Simply Save - paid
• HDFC Regalia First - LTF
• HDFC UPI virtual card - LTF
• Axis Flipkart - Paid
• Axis myZone - LTF
• AU XciteUltra - LTF
• IndusInd Legend - LTF
• IDFC First Select - LTF
• ICICI - Platinum/ Amazon/ Coral/ Rubyx(all 3 variant) - LTF
• SC Digismart - LTF
• Kotak League - LTF
• BOB Easy - LTF
• CITI Rewards - LTF after annual 30K spend
• HSBC platinum - LTF
• Federal Celesta - LTF

HDFC Tata Neu Infinity - FYF - application in progress.

Now I want to optimize.

I hope you can make some suggestions on adding / deleting credit cards to/ from my list.
Please suggest which cards to remove from the above list and add some new ones (if required).

how you got sc digismart ltf ?