💳 Share & brag your cards portfolio here! 🤑

[jatinkrmalik]

Update: Here's my updated cc portfolio ‼️

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We can't really have a forum without allowing members to share their credit card portfolios and talk about their favourite credit card. 😎

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I will go first, here's my collection, from least used to most used.

Slice Pay card

Amazon Pay ICICI bank card

Citi Cashback card

IDFC First Select card

AMEX Membership Rewards card

HDFC Diners Club Black card

Onecard Metal card

Axis Magnus card

 

[sudhirsiddhi]

Axis Magnus 828000 (paid closing as soon as 1st year renewal arrivers in July 2024)
Axis Ace (Gpay) 820000
Axis Kiwi Card 828000 (combined)
ICICI Amazon Pay 420000
ICICI MMT Signature. 420000
ICICI coral (Visa & RuPay)/HPCL Super 420000 (combined) - A total of 5 ICICI cards

IndusInd Card
Pinnacle World Contactless 267000 INR
Citibank Cashback 60000
Citibank Indian Oil. 150000
SBI Simply Click 164000
SBI OLA credit card 100000
HDFC Diners Club Black 828000
HDFC TATA Neu- RuPay 828000
HDFC Bank UPI RuPay 828000 (combined)
IDFC First Select 177000
AU Bank Vetta 210000
RBL World Safari 361000 (RBI complaint ongoing for making this LTF)
Federal Bank Celesta. 462000
One Card (BOB Financial) 530000

Clsoed Axis Bank Flipkart as my main usage was just flights for all of my freinds and Myntra (both reduced to 1.5% instead of 5%) and I prefer Amazon anyday than Flipkart.

When you get your first credit card and which

What's the limit of this card and how you get??

 

[0xfallup]

Latest aug 2023. All ltf except axis privilege.

Kotak PVR ltf?

 

[rojajimmy]

When you get your first credit card and which

What's the limit of this card and how you get??

My 1st card was almost 10 years ago. Axis Myzone. The limit was 15k. Axis has been the worst for LEs.
A lot of CCs were because different jobs had different salary accounts. I have had Axis, ICICI and HDFC as my salary accounts. Axis was closed since they wanted to convert it to 10k MAB. I still have ICICI & HDFC as o MAB even though the salary has not been credited in any of them for several years.

 

[irohitpragya]

Kotak PVR ltf?

Yes.

 

[0xfallup]

Yes.

Share how u accomplished it plox

 

[sudhirsiddhi]

My 1st card was almost 10 years ago. Axis Myzone. The limit was 15k. Axis has been the worst for LEs.
A lot of CCs were because different jobs had different salary accounts. I have had Axis, ICICI and HDFC as my salary accounts. Axis was closed since they wanted to convert it to 10k MAB. I still have ICICI & HDFC as o MAB even though the salary has not been credited in any of them for several years.

How did you get such high limit cards like HDFC Card???

 

[irohitpragya]

Share how u accomplished it plox

Privy account.

 

[rojajimmy]

How did you get such high limit cards like HDFC Card???

5 lakhs/month spends on moneyback for a whole year.
60 lakhs+ spent in a year.
HDFC has continously increased the credit limit over the last 10 years or so that I have had their cards.

 

[anirbanm]

Canara 30000 secured
BoB 65000 LTF
HDFC business moneyback 75000 LTF
HDFC Neu LTF
PNB Rupay Select 75000 LTF
SBI Elite 100000
AmEx MRCC 126000 FYF
RBL World Safari 130000 FYF
Standard Chartered Smart 150000 FYF
Standard Chartered platinum rewards LTF 150000
IDFC classic 162000 LTF
IDFC power + FYF
Kotak Zen 180000 LTF
League platinum 180000 LTF
Axis Select 206000 LTF
Axis Atlas 206000
AmEx platinum travel 297000
APay 300000 LTF

 

[mr_vasanth]

Closed Axis Magnus & Flipkart.

How to get Yes first exclusive LTF?
I have been Yes first customer for 7 years and still no LTF offer from them.

 

[sudhirsiddhi]

5 lakhs/month spends on moneyback for a whole year.
60 lakhs+ spent in a year.
HDFC has continously increased the credit limit over the last 10 years or so that I have had their cards.

What is about ITR Filling???

 

[bitsst]

How to get Yes first exclusive LTF?
I have been Yes first customer for 7 years and still no LTF offer from them.

There is absolutely nothing in Yes First Exclusive to die for. I have it for past 3 years, and use it very sparingly.

To your question, if there is no upgrade offer, all you can do is wait.

But there are better upgrade options in other banks, try to channelize your spends to some other bank.

 

[Mpautobe]

Let me share my latest portfolio.
View attachment 18
🙌

😵 my goodesssss

 

[Mpautobe]

My Nano collection

HDFC Regalia LTF 6L upgraded to HDFC DCB 7.2 Lacs
ICICI Sapphiro Dual LTF 5L
HSBC Platinum 2L (Yearly waive off based on spend)
recent addition
AU Zenith 8L LTF
Indus LEGENT 4L LTF
Tata Neu Infinity LTF (Shared Limit with HDFC))

 

[Mpautobe]

Here is my updated card profile:

HDFC Millenia (LTF)
HDFC TATA NEU INFINITY (FYF)
HDFC Paytm Select (500)
HDFC Swiggy (500)
Amex MRCC (1499/yr)
Yes Bank First Preferred (LTF)
Yes Rupay Card
ICICI Platinum ( LTF)
ICICI Amazon Pay (LTF)
IDFC First Select (LTF)
IDFC WOW (Secured/LTF)
IDFC WOW 2 (Secured/LTF)
BOB Select (LTF)
BOB HPCL (500/yr)
BOB Snapdeal card (299/yr)
Kotak Urbane Gold (199/yr)
IndusInd Iconia Amex (LTF)
RBL Icon (LTF)
RBL Icon (2) (1499/yr)
Axis Neo (LTF)
Axis Myzone (LTF)
Axis Indian Oil (LTF)
Onecard (BOB) (LTF)
Citi Rewards (1000/yr)
Citi Indianoil (1000/yr)
SBI Simply Click (499/yr)
SBI FBB (LTF)
Gild SBM card (LTF)
StanC Smart (499/yr)
Stanc Titanium (750)
Stand EaseMyTrip
AU bank Altura plus (499/yr)
HSBC Platinun (LTF)
HSBC Cashback ( no joining/999)
DBS Bajajfinserv 5x (no joining fee)
Paisabazaar stepup secured cc (LTF)
Niyo Global SBM (secured/LTF)
SBI cashback (as add-on)
AU Bank LIT ( as add-on)
Indusind Aura (as add-on)

Massive... !!!

 

[Mpautobe]

Here is mine

😵‍💫

 

[Mpautobe]

Here is the small list of my card.

• HDFC DCB (LTF)
• HDFC Infinia (LTF)
• HDFC Tata Neu Infinity (LTF)
• Amex MRCC (LTF)
• Yes Bank First Exclusive (LTF)
• ICICI Platinum (Secured / LTF)
• ICICI Amazon Pay (LTF)
• ICICI Sapphiro (LTF)
• IDFC Wealth (LTF)
• IDFC WOW (Secured / LTF)
• BOB Eterna (LTF)
• Kotak League (LTF)
• IndusInd Legend (LTF)
• HSBC Visa Platinum (LTF)
• AU Bank Zenith (LTF)
• RBL Zomato Classic Edition (LTF)
• Axis MyZone (LTF)
• Onecard (BOB) (LTF)
• PNB Rupay Select (500/yr)
• Union Bank Rupay JCB Select Wellness (999/yr)
• Citi Paytm First (500/yr)
• Axis Flipkart (500/yr)
• SBI Simply Click (500/yr)
• StanC Ultimate (5000/yr)

Happy to help.

Not small bro... 😇

 

[gautamcool]

Axis Magnus 828000 (paid closing as soon as 1st year renewal arrivers in July 2024)
Axis Ace (Gpay) 820000
Axis Kiwi Card 828000 (combined)
ICICI Amazon Pay 420000
ICICI MMT Signature. 420000
ICICI coral (Visa & RuPay)/HPCL Super 420000 (combined) - A total of 5 ICICI cards

IndusInd Card
Pinnacle World Contactless 267000 INR
Citibank Cashback 60000
Citibank Indian Oil. 150000
SBI Simply Click 164000
SBI OLA credit card 100000
HDFC Diners Club Black 828000
HDFC TATA Neu- RuPay 828000
HDFC Bank UPI RuPay 828000 (combined)
IDFC First Select 177000
AU Bank Vetta 210000
RBL World Safari 361000 (RBI complaint ongoing for making this LTF)
Federal Bank Celesta. 462000
One Card (BOB Financial) 530000

Clsoed Axis Bank Flipkart as my main usage was just flights for all of my freinds and Myntra (both reduced to 1.5% instead of 5%) and I prefer Amazon anyday than Flipkart.

Can you explain on the RBI complaint part?

 

[Deleted member 8482]

Credit Card	Limit
ICICI MMT	5.3
ICICI Amazon Pay
ICICI Coral Rupay
Kotak League Paltinum	3
HDFC Shoppers Stop	2.5
IDFC First Select	2.37
Axis Previledge	1.4
Axis Neo
Axis Indian Oil
BOB Easy	0.75

 

[rojajimmy]

Can you explain on the RBI complaint part?

Since I had the Zomato Classic card from RBL and they discontinued the card, we (all Zomato card holders) got an email saying we will get a useless RBL card & so I called them saying that I do not want that card, instead give me the RBL World Safari and they said its a paid card and I was ok.
but then I came here to see that people who were ok to get the useless card (RBL Shoprite) could now get RBL World Safari or Icon LTF and I was like "let me try".
I called CC and I was told twice that yes it will be made LTF (once on 7th July and once on 14th july which was a recorded call from my end 3 things were confirmed)
1. Your existing paid RBL WORLD SAFARI will be cancelled and you will get a new one (I am on MC variant)
2. The annual charges will be reversed
3. You will get the card by 19th July in the app and then physical card in 7-10 days.

They denied this saying it was based on approval and the approval was denied. I had the call recording and nowhere the CC said anything about the approval.

So I followed up for a whole month, multiple calls to PNO, even the CEO desk and multiple emails and they kept saying its a paid card even though I sent them the recording. (Also sent the theread link saying LOOK YOU BASTARDS, the amount of people who have thie LTF)

ABSOLUTE BASTARDS and the worst bank I had to deal with.

Finally I complained to RBI and today it is made LTF and the annual charges are reveresed already.