💳 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

 

[pranjal1984]

My updated portfolio:
Amex MRCC 6.77 L
IndusInd Legend 5 L LTF
ICICI Platinum 4.30 L LTF
IDFC First Power+ 3.90 L
SBI Cashback 3.61 L
HDFC Regalia Gold 3.35 L
HDFC Tata Neu Infinity 3.35 L (shared with RG)
Yes Reserve 3 L LTF
BOB Premier 2.20 L LTF
Axis Neo 2.15 L LTF
Kotak IOCL 2.10 L
SBI BPCL Octane 0.58 L
Amex Smart Earn 0.25 L

 

[infinia_finally]

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+

How did you manage Infinia Metal LTF?
If there's already a post on it, plz point me there

 

[vaibhavshukla]

How did you manage Infinia Metal LTF?
If there's already a post on it, plz point me there

couldn't grab for myself however when I tried using my wife's account as she was part of imperia family banking with me, It came as pre approved.

 

[Gaara]

I am seeking advice on managing my credit card portfolio. I have held a Kotak card for five years, and I obtained all other cards in 2023. I am relatively new to credit card usage and value any guidance you can offer.

 

[sidk04]

My portfolio

1. ICICI EMERALDE PRIVATE (paid) - Limit 28 Lakhs (Shared). I use this for most of my purchase including utility bills payment, insurance, BMS BOGO offer, etc.

2. ICICI Apay- 28 Lakhs (Shared)- for Amazon related purchases

3. ICICI Sapphiro (LTF)- 28 lakhs (shared) after I got emeralde, stopped using this card. Just keeping it since LFT.

4. Axis Magnus (Paid but got fee reversal)- 8 Lakhs - Heavily used this card before devaluation. Earned appx. 3.5 Lakh points in a single year. No doubt Axis butchered this card. Now I use it for Eazy Diner offer (40% off upto 1000) and BMS BOGO.

5. HDFC Regalia (LTF) - 3.75 Lakhs (Shared) - use it for Apple and Samsung Offers. Have no idea what grudge does HDFC have with me for not giving higher limit.

6. HDFC Marriot Bonvoy (Paid) - 3.5 Lakhs (Shared)- Only got this for its marriot related perks and 15,000 Marriot points on fee payment.

7. IDFC Wealth (LTF)- 10 Lakhs - Got this card since I was eligible and it was LFT. Rarely use it. Also there are not many IDFC related offers in market.

8. BOB ICAI Rupay (LTF)- 5 Lakhs- Got it because it's Exclusive for Chartered Accountants. Also, my only rupay card for UPI transactions.

9. One card- 5 Lakhs- Got this since it was my first metal card. Only use it gives best offer in Zomato.

10. Yes Bank (LTF) - 4 Lakhs- Worst Card. Have no idea why I got this. IIRC it was my 3rd card. Just keeping it for Yes Bank related offers and LTF. Otherwise crap.

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

LFT

life fee time

 

[ashwinkashwink is verified member.]

life fee time

Majaani Life 😜

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

Majaani Life 😜

i said fee not free lolmao

 

[ABindal]

In the order I procured them:
(Not including closed or discontinued cards)

SBI Prime
ICICI AmazonPay (LTF)
ICICI MakeMyTrip Visa Signature (LTF)
IDFC First Select (LTF)
OneCard (Bank of Baroda) (LTF)
HDFC Millenia MasterCard (LTF)
HSBC Cashback
American Express Platinum Travel
Airtel Axis Credit Card
Axis Magnus
Niyo Global Secured Credit Card (LTF)
Axis Kwik RuPay Credit Card (Kiwi) (LTF)
ICICI Coral RuPay Credit Card (LTF)
IndusInd Bank Legend (LTF)
American Express Gold Charge Card

Manage it through an Excel sheet and Credit Card Manager app.

 

[msk1437]

My portfolio


1) HDFC Infinia (14L shared) - smartbuy, dineout, hdfc offers

2) HDFC Tata neu infinity (14L shared) - upi, bill payments over 15k under 50k

3) IDFC club vistara (3L) - POS spends, online spends with no offers

4) Axis vistara infinite (7L) - bulk spends

5) Sbi vistara prime (84k) - fuel, other MCCs excluded in (3),(4), SBI offers

6) Indusind vistara explorer (5L) - international spends, bookmyshow, vistara spends

7) icici coral LTF (15l shared) - useless now

8) ICICI Sapphiro LTF (15l shared) - ICICI offers, bms bogo

9) AMEX gold charge - 6×1000 vouchers from reward multiplier (or) misc spends b/w 1000 and 1500

10) AMEX mrcc (50k) - 4×1500 vouchers from reward multiplier (or) misc spends greater than 1500

11) Axis airtel (7L shared) - Airtel black bill payment

12) Standard chartered ultimate (6L) - rent via payzapp wallet


Closed/upgraded cards:


1) HDFC DCB LTF - upgraded to infinia

2) HDFC Swiggy - closed since infinia swiggy voucher gives better return

3) Axis vistara signature - upgraded to axis vistara infinite once 4.5l milestone is crossed

 

[minhazuddin]

My portfolio

1) HDFC Infinia (14L shared) - smartbuy, dineout, hdfc offers

2) HDFC Tata neu infinity (14L shared) - upi

3) IDFC club vistara (3L) - POS spends, online spends with no offers

4) Axis vistara infinite (7L) - insurance, bulk spends

5) Sbi vistara prime (84k) - govt transactions, fuel, other MCCs excluded in (3),(4), SBI offers

6) Indusind vistara explorer (5L) - international spends, bookmyshow, vistara spends

7) icici coral LTF (80k) - ICICI offers

8) AMEX gold charge - 6×1000 vouchers from reward multiplier

Closed/upgraded cards:

1) HDFC DCB LTF - upgraded to infinia

2) HDFC Swiggy - closed since infinia swiggy voucher gives better return

3) Axis vistara signature - upgraded to axis vistara infinite once 4.5l milestone is crossed

ICICI guys don't understand your potential, thus, 80K limit.

 

[BradleyCopper]

HDFC DCB(5.2L)
IDFC Select(1.5L)
IndusInd Legend(2.9L)
OneCard(1.4L)
SBI Cashback - Not LTF - (2L)
ICICI Amazon Pay (2.2L)
ICICI Sapphiro MC + Amex (3L)
AU Zenith (5.7L)
Airtel Axis - Not LTF (3L)
ICICI Coral Rupay(Shared Limit -3L)
PNB Rupay Select ( Technically LTF - 1L)
IndusInd Eazydiner(2.9L)
Indusind Rupay(1L)
Yes Bank Finbooster(3L)
Yes Bank Rupay(Shared)
Kotak IOCL Rupay(2.4 L)

Cards are LTF unless mentioned otherwise

Next targets (Only to cover Bank offers):
SCB
HSBC
BoB
RBL

Any suggested card with 0 forex & LTF if possible? I know DCB offsets the markup few with points, but acceptability is an issue. Can't get Scapia as OneCard is from Federal Bank. RBL World Safari is chargeable

 

[sendhil.warrior]

I have 21 physical credit cards
Icici apay, mmt, platinum, hpcl, coral
Rbl paisa on demand,
Indus ind aura edge,
Idfc millennia,
Axis myzone, flipkart,
Bajajfin super card,
Hdfc millennia, tata nue plus,
Federal signet,
Sbi octane, simply click, simplysave
Kotak league platinum
Bob snapdeal, select
Yesbank finbooster
One virtual card - axis kiwi

 

[CardGame]

HDFC DCB(5.2L)
IDFC Select(1.5L)
IndusInd Legend(2.9L)
OneCard(1.4L)
SBI Cashback - Not LTF - (2L)
ICICI Amazon Pay (2.2L)
ICICI Sapphiro MC + Amex (3L)
AU Zenith (5.7L)
Airtel Axis - Not LTF (3L)
ICICI Coral Rupay(Shared Limit -3L)
PNB Rupay Select ( Technically LTF - 1L)
IndusInd Eazydiner(2.9L)
Indusind Rupay(1L)
Yes Bank Finbooster(3L)
Yes Bank Rupay(Shared)
Kotak IOCL Rupay(2.4 L)

Cards are LTF unless mentioned otherwise

Next targets (Only to cover Bank offers):
SCB
HSBC
BoB
RBL

Any suggested card with 0 forex & LTF if possible? I know DCB offsets the markup few with points, but acceptability is an issue. Can't get Scapia as OneCard is from Federal Bank. RBL World Safari is chargeable

Bank offers from SCB? You sure? Ever saw one?

 

[nrj1007]

HDFC DCB LTF (6 lakhs shared)
HDFC Tata Neu Infinity Rupay (6 lakhs shared)
IDFC Wealth LTF (10 lakh)
ICICI Sapphiro LTF (15 lakh shared)
ICICI Coral Rupay LTF(15 lakh shared)
ICICI Amazon Pay LTF (10 lakh)
Axis Atlas (7.5 lakh)
SBI Etihad Premier (3.8 lakh)

Closed/Upgraded:

Axis Ace
Axis privilege
Axis Flipkart
Yes Select
ICICI HPCL coral
HDFC DCP
HDFC Millenia
HDFC jet airways

Next target:
HDFC Infinia
Yes Marquee

 

[card-shard]

HDFC DCB(5.2L)
IDFC Select(1.5L)
IndusInd Legend(2.9L)
OneCard(1.4L)
SBI Cashback - Not LTF - (2L)
ICICI Amazon Pay (2.2L)
ICICI Sapphiro MC + Amex (3L)
AU Zenith (5.7L)
Airtel Axis - Not LTF (3L)
ICICI Coral Rupay(Shared Limit -3L)
PNB Rupay Select ( Technically LTF - 1L)
IndusInd Eazydiner(2.9L)
Indusind Rupay(1L)
Yes Bank Finbooster(3L)
Yes Bank Rupay(Shared)
Kotak IOCL Rupay(2.4 L)

Cards are LTF unless mentioned otherwise

Next targets (Only to cover Bank offers):
SCB
HSBC
BoB
RBL

Any suggested card with 0 forex & LTF if possible? I know DCB offsets the markup few with points, but acceptability is an issue. Can't get Scapia as OneCard is from Federal Bank. RBL World Safari is chargeable

Check the link below for LTF card with 0 forex:

Lifetime free AU IXIGO Credit Card | Limited Time Offer | Full Details

AU Small Finance Bank recently launched a co-branded credit card with ixigo, the AU IXIGO Credit Card. For full details and benefits, please visit this thread: https://www.technofino.in/community/threads/au-bank-launched-au-ixigo-credit-card.19318/ This card is now being offered for free. It's...

www.technofino.in

 

[BradleyCopper]

Check the link below for LTF card with 0 forex:

Lifetime free AU IXIGO Credit Card | Limited Time Offer | Full Details

AU Small Finance Bank recently launched a co-branded credit card with ixigo, the AU IXIGO Credit Card. For full details and benefits, please visit this thread: https://www.technofino.in/community/threads/au-bank-launched-au-ixigo-credit-card.19318/ This card is now being offered for free. It's...

www.technofino.in

Already have AU Zenith, so not eligible 🥲

 

[helloworld]

Already have AU Zenith, so not eligible 🥲

zenith provides 0.15% after markup 🙂.

still needed 0% forex, rbl safari.. but As per my maths knowledge 0% < 0.15%. Anyway, its upto you.

 

[BradleyCopper]

zenith provides 0.15% after markup 🙂.

still needed 0% forex, rbl safari.. but As per my maths knowledge 0% < 0.15%. Anyway, its upto you.

Your maths is very correct (Kudos!). I did those calculations myself, but didn't find much use for those AU points. Most of my spends are on DCB, and I mostly book flights through smartbuy. Recharge option is also not needed. Hence the need for a 0 forex card.

 

[helloworld]

Your maths is very correct (Kudos!). I did those calculations myself, but didn't find much use for those AU points. Most of my spends are on DCB, and I mostly book flights through smartbuy. Recharge option is also not needed. Hence the need for a 0 forex card.

Even if you don't find those points any use (which actually provides amzn/fk/movie or bus booking etc. (more than and same options DCB provides) but any case, even if those are not useful to you, atleast you're getting something where 0 forex provide you nothing. If you spend and use this card maybe some time in 2 years (reward validity) this might give you something in return.

IMO, compared to Legend, OneCard, Coral, Indus Rupay, YEs Fin, YEs Rupay, Sapphiro. This Zenith card has better redemption and earning opportunities (when compared by excluding only DCB).

This is my opinion and letting you know the existing options available with you (when better is already available, then 0% seems not good to me). Again, its upto you if still needed that 0 forex card (maybe I don't know the actual issue with your zenith and providing you credit card that provides >0% on forex spends which already available with you).