💳 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

 

[Avatar Aang]

Amex Gold
Amex Platinum travel
AU Zenith LTF
Axis Magnus paid
Axis IOCL LTF
CITI rewards paid
HDFC DCB LTF
HDFC Tata Neu Infinity LTF
IDFC Select
SBI BPCL Octane
Yes First Exclusive

 

[Bugs Bunny]

ICICI Amazon Pay LTF / Limit 5L
ICICI Emeralde LTF / Limit 10L

HDFC Infinia LTF / Limit 25L

Will try to add IndusInd Metal Heritage only if I can get it LTF.

Would you mind sharing how did you get emeralde and infinia ltf and with such generous limit?

 

[pxg]

Turned 22 recently, so I got 1 CC per month on average over the last 12+ months.

Name	Limit	Fee	Reason for keeping
ICICI Amazon Pay	460k	0	Amazon cashback for large purchases + highest credit limit. First unsecured CC, started with 2.6L CL
IDFC Select	300k	0	High credit limit + offers, only got approved yesterday.
SIB OneCard	190k	0	1% forex charges, metal card, high credit limit, random Zomato/Swiggy offers.
Axis Airtel	110k	500	10% CB on Swiggy/Zomato, 25% on Airtel.
Axis Ace	110k	500	2% CB on offline spends, only got approved today.
HDFC Millenia	72k	0	Used to be my main CC. Now only used if HDFC Swiggy and Airtel Axis are maxed out.
HDFC Tata Neu Plus	72k	0	UPI on CC
HDFC Swiggy	72k	500	10% CB on Swiggy
BOB Select	25k	0	IDK
Kotak League Platinum	21k	0	Offers on Zomato/Swiggy/EazyDiner.
SBI SimplyClick	10k	500*	Only SBI CC I can get due to their stupid age policy for self employed. Applied as student.*Only need to pay GST

Applied for AmEx MRCC as well, thinking about offerings from RBL, IndusInd and Yes Bank.

Monthly Offers, Cashbacks and Spends:

Name	Value (approx)	Spend
HDFC Millenia (Debit)	400	0 (paying CC bill)
HDFC Swiggy	1600	17k
HDFC Tata Neu	150	7.5k
HDFC Millenia	500	10k
Airtel Axis	600	10k
OneCard	10	3k
Axis Ace	200	10k (expected)
ICICI Amazon Pay	300-1500 (varies wildly)	5k average
Total	Approx 3-4k	Approx 50-60k

 

[Shubham Yadav]

Turned 22 recently, so I got 1 CC per month on average over the last 12+ months.

Name	Limit	Fee	Reason for keeping
ICICI Amazon Pay	460k	0	Amazon cashback for large purchases + highest credit limit. First unsecured CC, started with 2.6L CL
IDFC Select	300k	0	High credit limit + offers, only got approved yesterday.
SIB OneCard	190k	0	1% forex charges, metal card, high credit limit, random Zomato/Swiggy offers.
Axis Airtel	110k	500	10% CB on Swiggy/Zomato, 25% on Airtel.
Axis Ace	110k	500	2% CB on offline spends, only got approved today.
HDFC Millenia	72k	0	Used to be my main CC. Now only used if HDFC Swiggy and Airtel Axis are maxed out.
HDFC Tata Neu Plus	72k	0	UPI on CC
HDFC Swiggy	72k	500	10% CB on Swiggy
BOB Select	25k	0	IDK
Kotak League Platinum	21k	0	Offers on Zomato/Swiggy/EazyDiner.
SBI SimplyClick	10k	500	Only SBI CC I can get due to their stupid age policy for self employed. Applied as student.

Applied for AmEx MRCC as well.

Monthly Offers, Cashbacks and Spends:

Name	Value (approx)	Spend
HDFC Millenia (Debit)	400	0 (paying CC bill)
HDFC Swiggy	1600	17k
HDFC Tata Neu	150	7.5k
HDFC Millenia	500	10k
Airtel Axis	600	10k
OneCard	10	3k
Axis Ace	200	10k (expected)
ICICI Amazon Pay	300-1500 (varies wildly)	5k average
Total	Approx 3-4k	Approx 50-60k

How did u get millennia LTF

 

[pxg]

How did u get millennia LTF

C2C via Agent, they called after I abandoned online application. Got APay with 260k CL in August (no income docs) and in September applied for Millenia with APay's first statement😂

Edit: August 2022

 

[devine_mortal]

Amex MRCC - 3.2L - LTF
ICICI Rubyx - 12.7L - LTF
ICICI AP - 8.8L - LTF
HDFC Regalia - 5.1L - LTF
IDFC Wealth - 9.6L - LTF
Onecard - 7L - LTF
SBI Simpyclick - 5L - ₹500 (waived on spends usually)
Citi PremierMiles - 9L - LTF
Citi IndianOil - 2.9L - LTF

Tried upgrading Regalia to Infinia LTF but never got approved. Not sure why they don't even increase limit anymore even though spends on this card was ~4.5L last year.

Also, Rubyx is the most useless card out of the lot so never really tried getting Sapphiro.

Wish to get Magnus but hopefully with Citi Gold (if migrated to Burgundy) and if the rumors of LTF turn out to be true. Otherwise see no value in it anymore.

 

[sudhirsiddhi]

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.

Bro aapka cibil history Kitana purana hai aur aapke cibil kis kis prakar ka loan active hai

 

[SmartSave]

Tried upgrading Regalia to Infinia LTF but never got approved. Not sure why they don't even increase limit anymore even though spends on this card was ~4.5L last year.

I've had Sub 20L spends on Regalia last FY and the buggers won't even consider enhancing the limit or the upgrade of the card. CC Team promised I'll get the Infinia offer if I spend just 7.5L in 6 months and despite exceeding, they won't consider. I had them say it verbally via RM which is why I have no records to put a claim. Now reading several posts, it seems like the limit needs to be enhanced first before I can work on the spends, otherwise it doesn't seem like it's gonna work.

 

[Martius]

Amex MRCC - 3.2L - LTF
ICICI Rubyx - 12.7L - LTF
ICICI AP - 8.8L - LTF
HDFC Regalia - 5.1L - LTF
IDFC Wealth - 9.6L - LTF
Onecard - 7L - LTF
SBI Simpyclick - 5L - ₹500 (waived on spends usually)
Citi PremierMiles - 9L - LTF
Citi IndianOil - 2.9L - LTF

Tried upgrading Regalia to Infinia LTF but never got approved. Not sure why they don't even increase limit anymore even though spends on this card was ~4.5L last year.

Also, Rubyx is the most useless card out of the lot so never really tried getting Sapphiro.

Wish to get Magnus but hopefully with Citi Gold (if migrated to Burgundy) and if the rumors of LTF turn out to be true. Otherwise see no value in it anymore.

Amex MRCC as LTF? You mean you generally get the fee waived off by spending or negotiating?

 

[anirban.choudhuryanirban.choudhury is verified member.]

Amex MRCC as LTF? You mean you generally get the fee waived off by spending or negotiating?

MRCC was issued LTF till 2019 under some offers

 

[devine_mortal]

Amex MRCC as LTF? You mean you generally get the fee waived off by spending or negotiating?

As Anirban said, it was being offered LTF earlier so got it then. One of the cards I use to get that 1000 bonus points. Worth it.

 

[anonymuos]

C2C via Agent, they called after I abandoned online application. Got APay with 260k CL in August (no income docs) and in September applied for Millenia with APay's first statement😂

You got APay with 260k CL in August and in Sept it's 460k - right in the next month?

 

[pxg]

You got APay with 260k CL in August and in Sept it's 460k - right in the next month?

August 2022. I mentioned I started 12 months+ back with my first CC - APay. It's 460k as of Sept 2023 only, 260k->420k->460k. No other CC has any LE yet.

 

[maverick]

ICICI AMAZON PAY (LTF)
ICICI CORAL RUPAY (LTF)
ICICI MAKEMYTRIP (LTF)
ICICI PLATINUM 1 (LTF)
ICICI PLATINUM 2 (LTF)
Axis ace (will close)
Axis free charge (will close)
AXIS MYZONE (LTF)
Axis Flipkart (will close)
BOB premier (LTF)
HDFC MILLENNIA (LTF)
HDFC TATA NEU PLUS (LTF)
AU VETTA (LTF)
INDUSIND LEGEND (LTF)
RBL DUET (LTF)
IDFC FIRST MILLENNIA (LTF)
SBI SIMPLY CLICK (will make an effort to convert it to LTF)
HSBC PLATINUM REWARD (LTF)
Standard chartered platinum reward (LTF)
fedral bank imperiyo (LTF)
kotak league platinum (LTF)
One metal card (LTF)

 

[anirban.choudhuryanirban.choudhury is verified member.]

ICICI AMAZON PAY (LTF)
ICICI CORAL RUPAY (LTF)
ICICI MAKEMYTRIP (LTF)
ICICI PLATINUM 1 (LTF)
ICICI PLATINUM 2 (LTF)
Axis ace (will close)
Axis free charge (will close)
AXIS MYZONE (LTF)
Axis Flipkart (will close)
BOB premier (LTF)
HDFC MILLENNIA (LTF)
HDFC TATA NEU PLUS (LTF)
AU VETTA (LTF)
INDUSIND LEGEND (LTF)
RBL DUET (LTF)
IDFC FIRST MILLENNIA (LTF)
SBI SIMPLY CLICK (will make an effort to convert it to LTF)
HSBC PLATINUM REWARD (LTF)
Standard chartered platinum reward (LTF)
fedral bank imperiyo (LTF)
kotak league platinum (LTF)
One metal card (LTF)

Excellent portfolio

 

[TheTrickySid]

Turned 22 recently, so I got 1 CC per month on average over the last 12+ months.

Name	Limit	Fee	Reason for keeping
ICICI Amazon Pay	460k	0	Amazon cashback for large purchases + highest credit limit. First unsecured CC, started with 2.6L CL
IDFC Select	300k	0	High credit limit + offers, only got approved yesterday.
SIB OneCard	190k	0	1% forex charges, metal card, high credit limit, random Zomato/Swiggy offers.
Axis Airtel	110k	500	10% CB on Swiggy/Zomato, 25% on Airtel.
Axis Ace	110k	500	2% CB on offline spends, only got approved today.
HDFC Millenia	72k	0	Used to be my main CC. Now only used if HDFC Swiggy and Airtel Axis are maxed out.
HDFC Tata Neu Plus	72k	0	UPI on CC
HDFC Swiggy	72k	500	10% CB on Swiggy
BOB Select	25k	0	IDK
Kotak League Platinum	21k	0	Offers on Zomato/Swiggy/EazyDiner.
SBI SimplyClick	10k	500*	Only SBI CC I can get due to their stupid age policy for self employed. Applied as student.*Only need to pay GST

Applied for AmEx MRCC as well, thinking about offerings from RBL, IndusInd and Yes Bank.

Monthly Offers, Cashbacks and Spends:

Name	Value (approx)	Spend
HDFC Millenia (Debit)	400	0 (paying CC bill)
HDFC Swiggy	1600	17k
HDFC Tata Neu	150	7.5k
HDFC Millenia	500	10k
Airtel Axis	600	10k
OneCard	10	3k
Axis Ace	200	10k (expected)
ICICI Amazon Pay	300-1500 (varies wildly)	5k average
Total	Approx 3-4k	Approx 50-60k

Are you salaried??

 

[deep@vie]

ICICI AMAZON PAY (LTF)-2
ICICI CORAL RUPAY (LTF)-2
ICICI HPCL SS
ICICI PLATINUM (LTF)
Axis ace (will close)
Axis Airtel
AXIS Flipkart (LTF)
Axis Iocl (LTF)
BOB One Card (LTF)
Federal One card(LTF)
HDFC MILLENNIA (LTF)
HDFC Regalia (LTF)
AU VETTA (LTF)
INDUSIND LEGEND (LTF)
RBL World Safari (LTF)
RBL Bankbazaar pro
IDFC FIRST MILLENNIA (LTF)
IDFC FIRST SELECT(LTF)
SBI SIMPLY SAVE (will make an effort to convert it to LTF)
SBI CASHBACK
Standard chartered platinum reward
kotak league platinum (LTF)-2
Yes bank rewards plus
Yes bank rupay online only card
Citi rewards

 

[nikhil.b]

Bro aapka cibil history Kitana purana hai aur aapke cibil kis kis prakar ka loan active hai

Cibil history around 1.3 yrs old hai, and sirf credit cards hi active hain cibil par

 

[irohitpragya]

ICICI AMAZON PAY (LTF)-2
ICICI CORAL RUPAY (LTF)-2
ICICI HPCL SS
ICICI PLATINUM (LTF)
Axis ace (will close)
Axis Airtel
AXIS Flipkart (LTF)
Axis Iocl (LTF)
BOB One Card (LTF)
Federal One card(LTF)
HDFC MILLENNIA (LTF)
HDFC Regalia (LTF)
AU VETTA (LTF)
INDUSIND LEGEND (LTF)
RBL World Safari (LTF)
RBL Bankbazaar pro
IDFC FIRST MILLENNIA (LTF)
IDFC FIRST SELECT(LTF)
SBI SIMPLY SAVE (will make an effort to convert it to LTF)
SBI CASHBACK
Standard chartered platinum reward
kotak league platinum (LTF)-2
Yes bank rewards plus
Yes bank rupay online only card
Citi rewards

How do you have two idfc core card?

 

[deep@vie]

How do you have two idfc core card?

I along with my wife have these cards