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Apply For Lifetime Free IDFC First Credit Card
jatinkrmalik

jatinkrmalik

TF Select
VIP Lounge
Update: Here's my updated cc portfolio ‼️


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

cards.jpeg
 
Last edited:
Apply For LTF AU LIT Credit Card
Portfolio update: Aug 2023

Indusind Aura Edge LTF: 66000
Flipkart Axis LTF: 25000
Axis Myzone LTF: 25000
Axis Ace 499: 25000
Au LIT LTF: 30000
ICICI Amazon Pay LTF: 420000
ICICI Coral LTF: 420000
SBI Simplyclick LTF: 63000
SBI Cashback FYF: 140000
HDFC moneyback plus LTF: 50000
BOB Easy LTF: 40000
BOB Snapdeal 249: 40000
IDFC Milenia LTF: 61000
IDFC Power Plus FYF :61000
RBL World Safari LTF: 76000
Kotak Zen Signature FYF: 100000
Kotak IOCL FYF: 100000
Standard Chartered Smart FYF: 500000
 
sudhirsiddhi said:
W

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
Click to expand...
757 is my CIBIL score.
It was 770+ when i had around 10 cards and a very good credit card age average.
After adding so many cards in the last 1-2 years along with 2-3 bnpl's I added my score went down.

I have a auto loan so i guess thats why my HDFC limit is high.
Others are because of card age & salary.
 
Thanks for the nice and informative thread. I have started using credit cards since 2021. I wish to use this only for discounts and reward points/cashback but as a prepaid card where I pay the amount before using it whenever possible.

Amex MRCC - Paid (For great customer service and generally got fees waived. Also oldest card for 3 years)
Amex Plat Charge Paid (Upgraded from gold due to 135K points)
Amex Plat Travel Paid

ICICI Rubyx LTF
ICICI Coral LTF
ICICI Sapphiro LTF
ICICI Amazon Pay LTF

Axis Flipkart LTF (father's name)
Axis Neo LTF (father's name)
Axis Ace Paid (Mostly for flat cashback and bank offers)
Axis Airtel Paid (Airtel black)
Axis Atlas Paid

HDFC Regalia Gold FYF
HDFC Tata Neu Infinity LTF
HDFC Marriott Paid
HDFC Swiggy Paid

HSBC Cashback Paid

SBI Ola Paid (bank offers)
SBI Cashback Paid (5% including amazon gc)

Standard chartered Ultimate Paid (flat cashback with minimal exclusions)

BoB Premier LTF
BoB Snapdeal Paid

IDFC Select LTF

OneCard LTF

Federal scapia LTF

Citi Rewards Paid (bank offers)

Indusind legend LTF
Indusind eazydiner LTF

Kotak League Rupay LTF
Kotak Myntra Rupay FYF

AU LIT LTF

PS : Have added reason for keeping paid cards but realised might have many paid cards. Any suggestions if any of them can be closed would be helpful and please feel free to reach out if any specific questions.

PPS : Thanks to many people in this forum who have always shared useful information and suggestions
 
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Apply For LTF HDFC Swiggy Credit Card
1692888988293.png
IDFC First Millenia upgraded to Select but not received as of now.
Amex Travel Pltinum discontinued. Amex MRCC, Ola SBI, RBL World Safari and Axis Vistara are paid. But generally get it partially or completely waived off.
 
Random123 said:
Thanks for the nice and informative thread. I have started using credit cards since 2021. I wish to use this only for discounts and reward points/cashback but as a prepaid card where I pay the amount before using it whenever possible.

Amex MRCC - Paid (For great customer service and generally got fees waived. Also oldest card for 3 years)
Amex Gold Paid

ICICI Rubyx LTF
ICICI Coral LTF
ICICI Sapphiro LTF
ICICI Amazon Pay LTF

Axis Flipkart LTF (father's name)
Axis Ace Paid (Mostly for flat cashback and bank offers)
Axis Airtel Paid (Airtel black)
Axis MyZone LTF

SBI Ola Paid (bank offers)
SBI Cashback Paid (5% including amazon gc)

RBL Zomato LTF

Standard chartered Ultimate Paid (flat cashback with minimal exclusions)

BoB Premier LTF

IDFC Millennia LTF

HDFC Millennia LTF
HDFC Tata Neu Infinity LTF

OneCard LTF

Citi Rewards Paid (bank offers)

Indusind legend LTF

Kotak League Rupay LTF

PS : Have added reason for keeping paid cards but realised might have many paid cards. Any suggestions if any of them can be closed would be helpful and please feel free to reach out if any specific questions.

PPS : Thanks to many people in this forum who have always shared useful information and suggestions
Click to expand...
Just call them during bill payment and they will remove the charge. You have so many so you can threaten to close (and not regret).
 
What's your total credit limit??
Random123 said:
Thanks for the nice and informative thread. I have started using credit cards since 2021. I wish to use this only for discounts and reward points/cashback but as a prepaid card where I pay the amount before using it whenever possible.

Amex MRCC - Paid (For great customer service and generally got fees waived. Also oldest card for 3 years)
Amex Gold Paid

ICICI Rubyx LTF
ICICI Coral LTF
ICICI Sapphiro LTF
ICICI Amazon Pay LTF

Axis Flipkart LTF (father's name)
Axis Ace Paid (Mostly for flat cashback and bank offers)
Axis Airtel Paid (Airtel black)
Axis MyZone LTF

SBI Ola Paid (bank offers)
SBI Cashback Paid (5% including amazon gc)

RBL Zomato LTF

Standard chartered Ultimate Paid (flat cashback with minimal exclusions)

BoB Premier LTF

IDFC Millennia LTF

HDFC Millennia LTF
HDFC Tata Neu Infinity LTF

OneCard LTF

Federal scapia LTF

Citi Rewards Paid (bank offers)

Indusind legend LTF

Kotak League Rupay LTF

PS : Have added reason for keeping paid cards but realised might have many paid cards. Any suggestions if any of them can be closed would be helpful and please feel free to reach out if any specific questions.

PPS : Thanks to many people in this forum who have always shared useful information and suggestions
Click to expand...
 
CardWale_Baba said:
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.
Click to expand...
how did u get 3 hdfc credit card
 
Hdfc milinea ltf
Hdfc tata neu plus ltf
Kotak white ltf
Icici sapphiro ltf
Icici amazon pay ltf
Sbi cb (paid but covered for second year)
Au zenith ltf
Idfc wealth ltf
Indusind legend ltf
Axis myzone ltf
 
1)Sbi Simply click -100k limit(LTF)
2)Hdfc Millenia -100k limit(LTF)
3) Hdfc tata neu plus-100k limit(LTF)
4)Icici Amazonpay-100k limit(LTF)
5) Icici Platinum chip -100k limit(LTF)
6) Icici coral rupay-100k limit(LTF)
 
seekerxbx said:
Greetings of the day, everyone

My current portfolio:
1. AMEX Plat Charge + 4 add on
2. AMEX Plat Travel + 2 add on
3. AMEX Plat Reserve + 4 add on
4. Citibank Prestige + 5 add on
5. Citibank Premiermiles + 1 add on
6. HDFC Infinia (LTF) + 3 add on
7. HDFC DCB (LTF) + 3 add on
8. AXIS Magnus + 3 add on
9. AXIS Airtel
10. AXIS Flipkart (LTF)
11. SBI Air India Visa Signature + 2 add on
12. SBI Unnati (Secured card) Free
13. OneCARD BoB (LTF)
14. Yes First Exclusive (LTF) + 2 add on
15. ICICI Sapphiro (LTF)
16. ICICI Amazon Pay (LTF)
17. IDFC Wealth (LTF)

Intend to add
1. Tata Neu Infinity LTF
2. AXIS Reserve
3. AXIS Samsung on closing Flipkart and Airtel
Click to expand...
Why one needs this so many add ons?
 
Hkkharde said:
Why one needs this so many add ons?
Click to expand...
When I was a little younger, Prestige and DCB were my original "go-to" cards. Was a matter of privilege at that time to gift such add on cards to family members for "no-strings attached" use of Priority Pass everywhere at Airports and physical card to use at stores where offers were run.

Later it served for better spend accumulation as well.

AMEX and Infinia later ran offers for Add-On cards. Good Offers. Plus AMEX Plat Charge could also be had for friends (with hotel loyalty benefits for add-on cards). Further, in those days, AMEX ran offers like "Spend/ swipe at Trident/ Oberoi, get 20% cashback upto 5000/3500 per card". Add on cards were treated as separate cards so one could optimise it as well. Plat Charge and Reserve could also get access to AMEX lounges then (though later it was restricted to Only Primary cardholder for Reserve and then Reserve access was completely removed while Plat Charge cardholders can now only get one guest alongwith them instead of the erstwhile two).

Shared Infinia and Magnus with my relatives travelling abroad for better forex and points accumulation.
 
Axis Vistara Infinite FYF( will cancel later)
Axis Flipkart LTF
Amex Platinum travel PAID
Amex MRCC PAID
AU Zenith LTF
Citi Rewards LTF
HDFC DCB LTF (alumni offer)
HDFC Tataneu LTF
HSBC platinum LTF
ICICI Amazon pay LTF
ICICI platinum LTF
ICICI Sapphiro LTF (alumni offer)
IDFC Wealth LTF
Yes First Exclusive LTF
 
Last edited:
Here is a list of my cards:

1. HDFC DCB - 4.69L(LTF)
2. HDFC Tata Neu Infinity - 4.69L(LTF)
3. ICICI Amazon Pay - 1L(LTF)
4. ICICI MMT Signature - 2.5L(LTF)
5. ICICI Rubyx(to be upgraded to LTF saphiro) - 2L(LTF)
6. IDFC Vistara - 2.5L(Rs. 5000)
7. IDFC Select - 2.5L(LTF)
8. Axis Myzone - 2.5L(LTF)
9. Axis Flipkart super elite - 2.5L(Rs. 500)
10. Axis Vistara Platinum - 2.5L(Rs 1500)
11. Indus Ind Legend - 2.5L(LTF)
12. Kotak League - 2.2L(LTF)
13. Sbi Simpliclick - 3.03L(Rs 500)

All these are acquired in the last 1 yr.

Working on getting Sbi Vistara Prime next.
 
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