💳 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

 

[Deleted member 8482]

Let me share my latest portfolio.
View attachment 18
🙌

limit of 1 CR...Tussi great ho paji🙏🙏

 

[skvignesh]

MY FREQUENTLY USED CC'S:

• AXIS Flipkart Visa - 590/yr [FOR OFFLINE SPENDS] (fulfilled spend criteria this year, next yr may be closing or upgrade for ace 2% offline spends).
• AXIS Myzone Visa Plat - [converted to LTF.GOT IT FOR SWIGGY NOW USELESS, will Hold for axis instant discounts hereafter]
• SBI Cashback Visa Plat - FYF & 1180/yr [FOR FEW ONLINE SPENDS]
• HDFC Tata Neu Infinity Rupay Select - LTF [UPI SPENDS]

RARELY USED CARDS:

• HDFC Buss REGALIA Visa Sign - LTF
• SBI SimplyClick Visa Plat - 589/yr (waived off this year)
• ICICI Coral Rupay Plat - LTF
• OneCard SIB Visa Sign - LTF [THINKING TO CLOSE, If i got another 0 Forex DC/CC]
• IDFC FIRST CLASSIC Visa Plat - LTF [THINKING TO CLOSE or UPGRADE SELECT for paytm B1G1]

LYING USELESS:

• ICICI AMAZON PAY Visa Plat - LTF
• ICICI MMT Visa Plat - 590/Onetime
• Kotak Mojo Visa Plat - FYF & 1180/yr [will upgrade if i got or try to close or LTF via retention team]
• IndusInd Legend Visa Plat - LTF [ONLY BENEFIT I GOT IS TIMES PRIME, WILL HOLD/UPGRADE FOR ZERO MAB ACCOUNTS]
• RBL SHOPRITE Visa - LTF [THINKING TO CLOSE ZERO USAGE]

CLOSED/UPGRADED:

• Axis Select CC
• IndusInd Aura Edge to Legend.
• AXIS Flipkart Visa FD
• ICICI Plat CC FD
• Swapped SBI Simply Save to SimplyClick
• Kotak League LTF to Kotak Mojo FYF

 

[Mpautobe]

MY FREQUENTLY USED CC'S:

• AXIS Flipkart Visa - 590/yr [FOR OFFLINE SPENDS] (fulfilled spend criteria this year, next yr may be closing or upgrade for ace 2% offline spends).
• AXIS Myzone Visa Plat - [converted to LTF.GOT IT FOR SWIGGY NOW USELESS, will Hold for axis instant discounts hereafter]
• SBI Cashback Visa Plat - FYF & 1180/yr [FOR FEW ONLINE SPENDS]
• HDFC Tata Neu Infinity Rupay Select - LTF [UPI SPENDS]

RARELY USED CARDS:

• HDFC Buss REGALIA Visa Sign - LTF
• SBI SimplyClick Visa Plat - 589/yr (waived off this year)
• ICICI Coral Rupay Plat - LTF
• OneCard SIB Visa Sign - LTF [THINKING TO CLOSE, If i got another 0 Forex DC/CC]
• IDFC FIRST CLASSIC Visa Plat - LTF [THINKING TO CLOSE or UPGRADE SELECT for paytm B1G1]

LYING USELESS:

• ICICI AMAZON PAY Visa Plat - LTF
• ICICI MMT Visa Plat - 590/Onetime
• Kotak Mojo Visa Plat - FYF & 1180/yr [will upgrade if i got or try to close or LTF via retention team]
• IndusInd Legend Visa Plat - LTF [ONLY BENEFIT I GOT IS TIMES PRIME, WILL HOLD/UPGRADE FOR ZERO MAB ACCOUNTS]
• RBL SHOPRITE Visa - LTF [THINKING TO CLOSE ZERO USAGE]

CLOSED/UPGRADED:

• Axis Select CC
• IndusInd Aura Edge to Legend.
• AXIS Flipkart Visa FD
• ICICI Plat CC FD
• Swapped SBI Simply Save to SimplyClick
• Kotak League LTF to Kotak Mojo FYF

Nice collection... Swaping without premium's....

 

[ashwinkashwink is verified member.]

OneCard SIB Visa Sign

Don't close as it LTF😀

 

[skvignesh]

Don't close as it LTF😀

Okay bro... it's my 1st unsecured card... atleast onecard has offers on swiggy, Zomato and Amazon occasionally.

 

[jade]

My latest credit card portfolio

Amex MRCC - 2.3 L
SBI Cashback - 1.5 L
Amazon ICICI (LTF) - 2.7 L
ICICI Platinum (LTF) - 2.7 L
IDFC Power+ - 1.7 L

 

[diablorojo8]

MY FREQUENTLY USED CC'S:

• AXIS Flipkart Visa - 590/yr [FOR OFFLINE SPENDS] (fulfilled spend criteria this year, next yr may be closing or upgrade for ace 2% offline spends).
• AXIS Myzone Visa Plat - [converted to LTF.GOT IT FOR SWIGGY NOW USELESS, will Hold for axis instant discounts hereafter]
• SBI Cashback Visa Plat - FYF & 1180/yr [FOR FEW ONLINE SPENDS]
• HDFC Tata Neu Infinity Rupay Select - LTF [UPI SPENDS]

RARELY USED CARDS:

• HDFC Buss REGALIA Visa Sign - LTF
• SBI SimplyClick Visa Plat - 589/yr (waived off this year)
• ICICI Coral Rupay Plat - LTF
• OneCard SIB Visa Sign - LTF [THINKING TO CLOSE, If i got another 0 Forex DC/CC]
• IDFC FIRST CLASSIC Visa Plat - LTF [THINKING TO CLOSE or UPGRADE SELECT for paytm B1G1]

LYING USELESS:

• ICICI AMAZON PAY Visa Plat - LTF
• ICICI MMT Visa Plat - 590/Onetime
• Kotak Mojo Visa Plat - FYF & 1180/yr [will upgrade if i got or try to close or LTF via retention team]
• IndusInd Legend Visa Plat - LTF [ONLY BENEFIT I GOT IS TIMES PRIME, WILL HOLD/UPGRADE FOR ZERO MAB ACCOUNTS]
• RBL SHOPRITE Visa - LTF [THINKING TO CLOSE ZERO USAGE]

CLOSED/UPGRADED:

• Axis Select CC
• IndusInd Aura Edge to Legend.
• AXIS Flipkart Visa FD
• ICICI Plat CC FD
• Swapped SBI Simply Save to SimplyClick
• Kotak League LTF to Kotak Mojo FYF

Brow how did u upgrade to legend from aura?

 

[TheTrickySid]

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

How you got zen signature??

 

[skvignesh]

Brow how did u upgrade to legend from aura?

After 8-9 months I asked for upgrade they said paid one, then enquired about cooldown period after closing aura edge. After discussing they provided LTF..

I also mailed them 1-2 times before that for legend they ignored...but closing threat worked

 

[avis_]

My Latest Credit Card Portfolio,

HDFC
HDFC Millennia Diners CC - 1.72 L
HDFC UPI Floater Rupay CC - 1.72 L
HDFC Tata Neu Infinity Rupay CC - 1.72 L

SBI
SBI Simply Click Visa CC - 2.30 L

ICICI
ICICI Sapphiro Visa Signature CC - 2.10 L
ICICI Amazon Pay Visa CC - 2.10 L
ICICI Coral Rupay CC - 2.10 L

I have had a tough time with Axis Bank they never approved me a single CC till date 🫠.

 

[Card_Crafter]

My Latest Credit Card Portfolio,

HDFC
HDFC Millennia Diners CC - 1.72 L
HDFC UPI Floater Rupay CC - 1.72 L
HDFC Tata Neu Infinity Rupay CC - 1.72 L

SBI
SBI Simply Click Visa CC - 2.30 L

ICICI
ICICI Sapphiro Visa Signature CC - 2.10 L
ICICI Amazon Pay Visa CC - 2.10 L
ICICI Coral Rupay CC - 2.10 L

I have had a tough time with Axis Bank they never approved me a single CC till date 🫠.

Did you try offline C4C method? If yes and this also didn't work out then take a FD card for six months and then apply an unsecured card. It should work.

 

[bitsst]

How you got zen signature??

Ask to close your current kotak card, they will offer you zen signature LTF.

 

[Akki]

My Latest Credit Card Portfolio,

HDFC
HDFC Millennia Diners CC - 1.72 L
HDFC UPI Floater Rupay CC - 1.72 L
HDFC Tata Neu Infinity Rupay CC - 1.72 L

SBI
SBI Simply Click Visa CC - 2.30 L

ICICI
ICICI Sapphiro Visa Signature CC - 2.10 L
ICICI Amazon Pay Visa CC - 2.10 L
ICICI Coral Rupay CC - 2.10 L

I have had a tough time with Axis Bank they never approved me a single CC till date 🫠.

Try Axis co branded like FK, Airtel, FreeCharge etc. But they generally reject 2 - 3 times.

 

[avis_]

Did you try offline C4C method? If yes and this also didn't work out then take a FD card for six months and then apply an unsecured card. It should work.

No I haven't tried the offline Method yet. Can I open FD without a Savings account in AXIS.

 

[avis_]

Try Axis co branded like FK, Airtel, FreeCharge etc. But they generally reject 2 - 3 times.

Is any of the above offered as LTF

 

[Akki]

Is any of the above offered as LTF

You may get Airtel LTF

 

[Shubham Yadav]

You may get Airtel LTF

" Very rare May be "

 

[shashank08]

I have
Citibank Indian Oil card (LTF) - Oldest and first credit card. Not using much now.
Amex MRCC (LTF) - buy Amazon GV to get 1000MR.
Yes First Preferred (LTF) - My first card for Lounge access. Not using now. Only for yes bank related offers.
ICICI Amazon (LTF) - Using on Amazon shopping
Axis Flipkart (LTF) - for Flipkart shopping and grocery
Axis Airtel (Paid) - Have Airtel broadband and pay electricity bill. Taking out 600 rupees per month as cashback.
HDFC Regalia (LTF) - Not using much
HDFC Tata Neu Infinity (LTF) - Mostly for UPI and electricity bill payment after exhausting Axis Airtel and purchase on Tata 1mg.
Scapia (LTF) - took it for zero forex markup
BoB Eterna (LTF) - Keeping it for unlimited lounge access for myself and add-on card as well.
ICICI Sapphiro (LTF) - Keeping it for ICICI offers
Axis Select (LTF) - Got it because of Burgundy Salary account
ICICI Coral Rupay (LTF) - Keeping it for backup for UPI.
Indusind Legend (LTF) - used it for Virtually 0 MAB Indusind Select account.
IDFC First wealth (LTF) - took it mainly for lounge accesses but after 5K condition using it for movie tickets.

Not a big spender on credit cards. Average 30K per month.

Trying for more premium cards like Axis Magnus, HDFC DCB or Infinia. Having ITR of almost 52L last year but banks are not agreeing for LTF card. 😏😏
Don't want to go for paid cards as I might not be able to extract the values out of paid cards.

 

[diablorojo8]

Had 18 cards in october when I last shared.
Have 28 now 🙂
Although will close magnus next month.
IndusInd EazyDiner I'm trying to apply let's hope they split limit.
Waiting for HDFC swiggy LTF.
For some reason my applications are always rejected for AU bank, federal bank & kotak bank else I'd have cards of all major players.
IDBI is also a card I want to apply someday.

 

[sudhirsiddhi]

W

Had 18 cards in october when I last shared.
Have 28 now 🙂
Although will close magnus next month.
IndusInd EazyDiner I'm trying to apply let's hope they split limit.
Waiting for HDFC swiggy LTF.
For some reason my applications are always rejected for AU bank, federal bank & kotak bank else I'd have cards of all major players.
IDBI is also a card I want to apply someday.

What's is your credit score age and old credit card and limit

How you get to much high limit on cards

Now your cibil