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jatinkrmalik

jatinkrmalik

TF Select
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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
dfive said:
Yeah, I have the alumni offer, but still don't know if it's of any use to have sapphire.
Click to expand...
Major benefits of Sapphiro are already covered by your other cards. (500 BMS offer, lounges (after 5k spends) and spa)

One benefit that stands out is that Sapphiro BMS offer also works for events and concerts. This is useful if you're into standups, concerts, and other events (maybe even cricket, if it works there).
Also, ICICI runs good merchant discounts, especially on Flipkart, Amazon sales, and even at offline electronics stores.

If these fit in your use case, you might consider it since it's LTF.
 
Apply For LTF HDFC Swiggy Credit Card
I have 3 credit cards with the limits:
HDFC MoneyBack+ Rupay (57k Limit) : Using it just for UPI
Axis Airtel Card (75k Limit) : Using it for all online transactions.
ICICI AmazonPay (1L 20k) : Using it for high value transactions (above 50K)...

MoneyBack+ was the first credit card i have got it around April 2022, I am thinking to close it as HDFC is not even giving limit enhacements or card upgrades. I only use this card for UPI, well this problem can be solved using UPI Lite.
What do you think? Will HDFC later on give me some better card? with better limit.
I already have an Imperia Account with HDFC with 4L MAB maintained mostly every time..
No job currently as in last semester of my Uni, will be working later this year.

Also the card is LTF.
 
xarterx said:
I have 3 credit cards with the limits:
HDFC MoneyBack+ Rupay (57k Limit) : Using it just for UPI
Axis Airtel Card (75k Limit) : Using it for all online transactions.
ICICI AmazonPay (1L 20k) : Using it for high value transactions (above 50K)...

MoneyBack+ was the first credit card i have got it around April 2022, I am thinking to close it as HDFC is not even giving limit enhacements or card upgrades. I only use this card for UPI, well this problem can be solved using UPI Lite.
What do you think? Will HDFC later on give me some better card? with better limit.
I already have an Imperia Account with HDFC with 4L MAB maintained mostly every time..
No job currently as in last semester of my Uni, will be working later this year.

Also the card is LTF.
Click to expand...
You need to show your disappointment by sending a big email to hdfc grievance team and you should compare the card with your other bank cards and benefits
 
knight said:
Major benefits of Sapphiro are already covered by your other cards. (500 BMS offer, lounges (after 5k spends) and spa)

One benefit that stands out is that Sapphiro BMS offer also works for events and concerts. This is useful if you're into standups, concerts, and other events (maybe even cricket, if it works there).
Also, ICICI runs good merchant discounts, especially on Flipkart, Amazon sales, and even at offline electronics stores.

If these fit in your use case, you might consider it since it's LTF.
Click to expand...
Thanks!, just applied, getting it because heard ICICI usually gives good limits too, and maybe hope to get to Emerald private metal from sapphiro if there is a chance.
 
xarterx said:
I already have an Imperia Account with HDFC with 4L MAB maintained mostly every time..
Click to expand...
Tell them that you're not satisfied with their overall service and threaten to close all your relationship. I sent mail like that. They reviewed and offered millennia FYF from moneyback plus. I compared moneyback plus with icici, axis credit cards. They reviewed my account and sought approval to upgrade. But I'm not under classic program too. Just salary account
 
Jan 2024 updated list:

Axis Magnus LTF
Axis Flipkart LTF
HDFC Infinia Metal LTF
HDFC Regalia LTF
HDFC Tata Neu Infinity LTF
AU Zenith LTF
Amex Plat Travel FYF (Thanks @shutapdiya for referral)
BOB Eterna LTF
BOB Snapdeal Paid
Citi Indian Oil LTF
HSBC Cashback FYF
IDFC Wealth LTF
ICICI Sapphiro LTF
IndusInd legend LTF
Kotak White LTF
OneCard Metal LTF
RBL World Safari FYF (will try for LTF)
SBI cashback FYF
SBI Simply Click LTF
SC Smart Paid
Slice LTF
Yes First Exclusive(Reserve) LTF

Total Limit 1.2Cr+
 
vaibhavshukla said:
Jan 2024 updated list:

Axis Magnus LTF
Axis Flipkart LTF
HDFC Infinia Metal LTF
HDFC Regalia LTF
HDFC Tata Neu Infinity LTF
AU Zenith LTF
Amex Plat Travel FYF (Thanks @shutapdiya for referral)
BOB Eterna LTF
BOB Snapdeal Paid
Citi Indian Oil LTF
HSBC Cashback FYF
IDFC Wealth LTF
ICICI Sapphiro LTF
IndusInd legend LTF
Kotak White LTF
OneCard Metal LTF
RBL World Safari FYF (will try for LTF)
SBI cashback FYF
SBI Simply Click LTF
SC Smart Paid
Slice LTF
Yes First Exclusive(Reserve) LTF

Total Limit 1.2Cr+
Click to expand...
Oh man, so many cards how do you manage? How'd you get magnus LTF? burgundy? Planning to close any cards or add any?
 
vaibhavshukla said:
yeah it's Burgundy Magnus.
not planning to close any of those as most of those are LTF
planning to get Atlas LTF or FYF and some other bank card
Click to expand...

If there is an offer will you use

FK or M4B?
10% on SBI cards for amzn or 12% Amzn vouchers using Infinia
10% on FK using Yes, Citi or 12%+ vouchers through Infinia or M4B
BoB SD or Eterna?
Spend 4L through Plat Travel and get 9% or use M4B and aim for airmiles or even Taj at more than 10%

---------

my 2 cents, having more cards or suffling offers on multiple cards reduces the benefits on best cards. Someone with just started may have multiple cards but keeping them along with Super premium cards won't do any good for both cards. Eitehr you never use them or deliberately reduces overall return value in one of your super premium cards by not using them, thus not utilizing their best.

You have a very good collection and most of them are best cards of respective banks but don't see any reason to keep basic cards even LTF. My thoughts!

Anyway, you must have decent+ spends or requirement, so might not applicable to you (based on Infinia Metal LTF).
 
helloworld said:
If there is an offer will you use

FK or M4B?
10% on SBI cards for amzn or 12% Amzn vouchers using Infinia
10% on FK using Yes, Citi or 12%+ vouchers through Infinia or M4B
BoB SD or Eterna?
Spend 4L through Plat Travel and get 9% or use M4B and aim for airmiles or even Taj at more than 10%

---------

my 2 cents, having more cards or suffling offers on multiple cards reduces the benefits on best cards. Someone with just started may have multiple cards but keeping them along with Super premium cards won't do any good for both cards. Eitehr you never use them or deliberately reduces overall return value in one of your super premium cards by not using them, thus not utilizing their best.

You have a very good collection and most of them are best cards of respective banks but don't see any reason to keep basic cards even LTF. My thoughts!

Anyway, you must have decent+ spends or requirement, so might not applicable to you (based on Infinia Metal LTF).
Click to expand...
this is excellent observation on situation of having multiple card specially combo of super premium + Mid or Entry Segment
But I'm keen on my each spend and look for best benefits for given transaction. Also I'm into real cashback and not Hotels and Airmiles as I feel we end up paying more on those platforms to use those points/ miles. I prefer searching good 3/4 star hotel and find card discount on top of that and earn real cashback if possible.
having those super premium card gives me benefits like meet and greet, lounge, spa etc and I use only for that (You will be surprised that I have done only 7-8 transactions on Magnus since last 4 months and most of those are meet and greet and lounges 😀)
I'm trying to keep all bank cards to get those additional discounts during offer period whenever required.
 
vaibhavshukla said:
Jan 2024 updated list:

Axis Magnus LTF
Axis Flipkart LTF
HDFC Infinia Metal LTF
HDFC Regalia LTF
HDFC Tata Neu Infinity LTF
AU Zenith LTF
Amex Plat Travel FYF (Thanks @shutapdiya for referral)
BOB Eterna LTF
BOB Snapdeal Paid
Citi Indian Oil LTF
HSBC Cashback FYF
IDFC Wealth LTF
ICICI Sapphiro LTF
IndusInd legend LTF
Kotak White LTF
OneCard Metal LTF
RBL World Safari FYF (will try for LTF)
SBI cashback FYF
SBI Simply Click LTF
SC Smart Paid
Slice LTF
Yes First Exclusive(Reserve) LTF

Total Limit 1.2Cr+
Click to expand...
Bro’s keyboard writing LTF automatically after every new line
 
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