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How Many Cards Are in Your Wallet? 🤔💳 Share Your Count & Their Purpose!

How Many Cards Are in Your Wallet? New

Anindya98

TF Legend
VIP Lounge
💳 How Many Cards Are in Your Wallet? 🤔


We all carry different cards for different reasons—some for rewards, some for travel, and some just because we love collecting them! 😎


🔥 Drop your card count & their purpose:
✅ Daily spends & cashback 💰
✅ Travel perks & lounge access ✈️🏢
✅ Exclusive discounts & offers 🎁
✅ Just for the collection? 🤩
✅ Cashback & rewards 🎁
✅ Just for the flex? 😎

Do you have any plans to change, replace, or reduce any cards in your wallet?

Let’s see who has the most optimized (or overloaded) wallet! 🚀💬 #CardGame

Both credit and debit cards are part of the discussion.
Share the cards in your wallet and your strategy for using them!
 
💳 How Many Cards Are in Your Wallet? 🤔


We all carry different cards for different reasons—some for rewards, some for travel, and some just because we love collecting them! 😎


🔥 Drop your card count & their purpose:
✅ Daily spends & cashback 💰
✅ Travel perks & lounge access ✈️🏢
✅ Exclusive discounts & offers 🎁
✅ Just for the collection? 🤩
✅ Cashback & rewards 🎁
✅ Just for the flex? 😎

Do you have any plans to change, replace, or reduce any cards in your wallet?

Let’s see who has the most optimized (or overloaded) wallet! 🚀💬 #CardGame

Both credit and debit cards are part of the discussion.
Share the cards in your wallet and your strategy for using them!
Cards in Wallet:

CC

SC Ultimate - as an all rounder card, mostly offline, sometimes online for excluded categories

RBL Play - Day to Day offline

Kotak Pvr Inox - For Big Purchases, Medical Expenses, Offline especially

Amex Plat Travel - Fuel, Online Usage, Grocery, E-Commerce

SBI Cashback - Online Vouchers


DC

HDFC Millenia

UPI

MobiKwik Pocket UPI
Amazon Wallet UPI
Tata Neu UPI (Through Infinity)
 
Cards in Wallet:

CC

SC Ultimate - as an all rounder card, mostly offline, sometimes online for excluded categories

RBL Play - Day to Day offline

Kotak Pvr Inox - For Big Purchases, Medical Expenses, Offline especially

Amex Plat Travel - Fuel, Online Usage, Grocery, E-Commerce

SBI Cashback - Online Vouchers


DC

HDFC Millenia

UPI

MobiKwik Pocket UPI
Amazon Wallet UPI
Tata Neu UPI (Through Infinity)
Nicely drafted and explained 🎉👏
 
I have around 30 credit cards.

All are LTF except Axis Atlas, Zenith+ & HSBC.

  • Scan & Pay --> Tata Neu Infinity
  • School fee, Hotels & Tour --> Axis Atlas
  • Online shopping --> depends but mostly using Axis Flipkart, Amazon ICICI, HDFC Millennia.... (Not having SBI Cashback)
  • Movies --> AU Zenith+ (I don't rely on time based quota shit). Per quater 4 free movies as BOGO & upto Rs.500/ticket
  • Groceries --> offline & online both mostly from HSBC Cashback card (live+ now)
  • Fuel --> BOB Energie (around 6% cashback & best part is no minimum Rs.10 as 1% surcharge)
  • International Transactions --> Till yet used Scapia & Zenith+ (no forex on Scapia but Zenith+ gives 0.8% returns)
  • All remaining cards are using only when better offers there.

My wife have around 20 cards. All are LTF except ICICI Times Black.
  • ICICI times Black --> applied 2 months back only. Mostly for vouchers, hotels & flights. (Though ishop added restrictions still it's good one).
  • Scan & Pay --> Yes Bank Kiwi
  • Utilities & Bills --> Axis Airtel
  • Food --> Indusind EazyDiner (twice a month at least)
  • All remaining cards are using only when better offers there.
why have u takes icici times black..its better to have emerald metal
 
Card Count -
13 Physical CC + 3 Virtual CC. All LTF
5 physical DC + 2 Virtual DC

HDFC MILLENNIA CC - almost all use except offline, and Reliance Smart Superstore, Decathlon etc
BOB SD - For flight tickets (provide almost 15% manytimes + 2.5% CB) and for UPI spends less than 200 clubbing with supermoney
Bob Premier - Flight tickets (adani one, paytm, etc), and Paytm Movie tickets BOGO
Tata Neu INFINITY - Bill payments and high amount UPI transactions, and Amazon Pay GV, and also for offline transactions except where Smartbuy vouchers are available
Amazon Pay ICICI - for the obvious
Axis Myzone and Neo - Only for Zomato offers and District BOGO
IDFC WOW - International (Educational) Transactions (1-2L/year) + BMS BOGO + RSA
ICICI Coral HP AMEX - Purpose planned was for fuel, well strangely none of the HP outlets accepts AMEX via HP Pay

Yes ELITE+ and Kotak Legend - Only for any offers (used only once).
ICICI Coral and RUBYX - Bank offers

Plan - Will be closing all the cards by FY 26. Will get NRI Infinia then (If it is still the most prestigious card then). 😎



Attached a image of my cards. below are the quick summary.


Flipkart axis
Myzone axis
South Indian bank one card
Kotak league
Indusind legend*
Kiwi Yes Bank
IDFC millennia
HDFC millennia
HDFC UPI cc
HDFC Swiggy
HDFC Pixel Visa
HDFC Pixel Rupay
ICICI Amazon pay
ICICI coral Visa
ICICI coral Rupay
HDFC IOCL rupay - add on
HDFC Tata Neu Infinity rupay
HDFC Buisness Regalia
Indusind pinacle
IDFC Power Plus


Planning to add AU ixigo and SBI cashback card this month.
 

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Attached a image of my cards. below are the quick summary.


Flipkart axis
Myzone axis
South Indian bank one card
Kotak league
Indusind legend*
Kiwi Yes Bank
IDFC millennia
HDFC millennia
HDFC UPI cc
HDFC Swiggy
HDFC Pixel Visa
HDFC Pixel Rupay
ICICI Amazon pay
ICICI coral Visa
ICICI coral Rupay
HDFC IOCL rupay - add on
HDFC Tata Neu Infinity rupay
HDFC Buisness Regalia
Indusind pinacle
IDFC Power Plus


Planning to add AU ixigo and SBI cashback card this month.
Which all are paid bro?
 
Attached a image of my cards. below are the quick summary.


Flipkart axis
Myzone axis
South Indian bank one card
Kotak league
Indusind legend*
Kiwi Yes Bank
IDFC millennia
HDFC millennia
HDFC UPI cc
HDFC Swiggy
HDFC Pixel Visa
HDFC Pixel Rupay
ICICI Amazon pay
ICICI coral Visa
ICICI coral Rupay
HDFC IOCL rupay - add on
HDFC Tata Neu Infinity rupay
HDFC Buisness Regalia
Indusind pinacle
IDFC Power Plus


Planning to add AU ixigo and SBI cashback card this month.
Indeed a nice collection, pleasure of eyes and heart. Thanks for sharing, 👑🎉🌟🥇
 
Have 30+ cards but carry only the following in my wallet :

Interestingly - I don't pull out any card as I use gpay and samsung pay to pay via the ones in my wallet too

1. Atlas - for all offline transactions , 4% reward rate , easy , helps me hit my milestones, almost all offline swipes don't fall under exclusions ( if any I use the next card)
2. Amex mrcc - backup to atlas, used only in scenario where I want to hit the milestones ( 1500x4 or 20k)
3. Indian oil rbl xtra - only fuel spends.

I also had onecard at one point, surprising? It used to give me excellent rewards on offline. Spends using "around you" offers. Haircut, dining, shopping. Sadly it has been heavily devalued and has found its place back in the drawer at home.

Additionally, I also completely switch my wallet out during int travel, the cards i carry then are:

- RBL world safari - main driver, accepted almost everywhere, mastercard has least conv charges.
- onecard - zero forex.
- idfc wealth - purely for backup and emergency cash withdrawal.
 
Cards that I carry in the Wallet:

Day-to-Day:

1. SBI Elite Visa Signature (LTF): 2.5% worth rewards on dining
2. Axis Flipkart MasterCard (LTF): 1% cashback on offline spends
3. SBI Wealth RuPay Select DC (LTF): Emergency cash withdrawal and Flex

Domestic Travel: Day-to-Day cards +
1. SBI Elite (LTF) / ICICI Sapphiro Dual (LTF) / SBI Wealth Visa Signature DC (LTF) / SBI Wealth RuPay Select (LTF) / IDFC Future First Visa Signature (LTF): Any two of these depending on locations and acceptances at the domestic airport lounges
2. ICICI Coral (LTF): Only if going to visit a railway lounge

International Travel:
1. Priority Pass + DreamFolks Card: International lounge access
2. SBI Wealth RuPay Select DC (LTF): International lounge access, backup DC, Flex
2. IDFC WOW: 0 forex, so all foreign transactions
3. SBI Elite (LTF): Backup card for foreign spends (1.99% forex)


All Active Cards, including those that never go into the wallet:

Online Spends:

1. SBI Cashback (LTF): For most of online transactions to get 5% cashback
2. ICICI Amazon Pay (LTF): Not using much after getting SBI Cashback; was the most used card since most of my spends are on Amazon
3. Axis Flipkart (LTF): Flipkart Spends (when double dipping can be done)

Offline Spends:
1. SBI Elite (LTF): 2.5% worth rewards for grocery spends
2. Axis Flipkart (LTF): 1% cashback on spends where no other card gives better returns

UPI Transactions:
1. Yes Kiwi (LTF)

Food Orders and Dining:

1. Axis Neo (LTF): 40% upto 120 Zomato offer (twice a month) (I rarely order twice a month)
2. SBI Elite (LTF): 2.5% worth rewards at food joints and restaurants (I don't dine out rarely so haven't taken any dining focused card)

Entertainment:
1. SBI Elite (LTF): Free movie tickets
2. SBI Wealth RuPay Select DC (LTF): Free play tickets
3. ICICI Sapphiro Dual (LTF): Free movie tickets

Railway Lounge Access:
1. ICICI Coral Rupay (LTF)

Domestic Airport Lounge Access:

1. SBI Elite (LTF)
2. ICICI Sapphiro Dual (LTF)
3. SBI Wealth RuPay Select DC (LTF)
4. SBI Wealth Visa Signature DC (LTF)
5. IDFC Future First Visa Signature DC (LTF)

International Airport Lounge Access:

1. SBI Elite (LTF): Priority Pass
2. ICICI Sapphiro Dual (LTF): Dremfolks Card
3. SBI Wealth RuPay Select DC (LTF)
4. Indian Bank RuPay Select (Paid)
5. Jana SFB Rupay Select DC (Paid)

Flex:

1. SBI Elite (LTF)
2. SBI Wealth RuPay Select (LTF)

Credit Card Bill Payment:

1. SBI Virtual RuPay Select DC (LTF)
2. IDFC Future First Visa Signature DC (LTF)
 
Last edited:
I have around 30 credit cards.

All are LTF except Axis Atlas, Zenith+ & HSBC.

  • Scan & Pay --> Tata Neu Infinity
  • School fee, Hotels & Tour --> Axis Atlas
  • Online shopping --> depends but mostly using Axis Flipkart, Amazon ICICI, HDFC Millennia.... (Not having SBI Cashback)
  • Movies --> AU Zenith+ (I don't rely on time based quota shit). Per quater 4 free movies as BOGO & upto Rs.500/ticket
  • Groceries --> offline & online both mostly from HSBC Cashback card (live+ now)
  • Fuel --> BOB Energie (around 6% cashback & best part is no minimum Rs.10 as 1% surcharge)
  • International Transactions --> Till yet used Scapia & Zenith+ (no forex on Scapia but Zenith+ gives 0.8% returns)
  • All remaining cards are using only when better offers there.

My wife have around 20 cards. All are LTF except ICICI Times Black.
  • ICICI times Black --> applied 2 months back only. Mostly for vouchers, hotels & flights. (Though ishop added restrictions still it's good one).
  • Scan & Pay --> Yes Bank Kiwi
  • Utilities & Bills --> Axis Airtel
  • Food --> Indusind EazyDiner (twice a month at least)
  • All remaining cards are using only when better offers there.
How you get 6% cashback on BOB Energie? Whenever I go HP Petrol pump they do not give QR Code for HP Pay app. Ask me to use Wallet method using Credit Card.
 
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