💳 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

 

[Shroud]

CC Name	Limit	Annual Fees	Holding Since
Axis Flipkart	6,36,000	LTF	2020
HSBC Platinum	10,00,000	LTF	2016
ICICI Amazon Pay	15,00,000	LTF	2019
ICICI Coral Rupay	15,00,000 (shared limit)	LTF	2023
IndusInd Platinum Rupay	5,00,000	LTF	2023
AmEx MRCC	8,00,000	4500 + GST	2023
IndusInd Legend	10,00,000	LTF	2017
IDFC First Credit	8,75,000	LTF	2022
One Card	10,00,000	LTF	2023
SBI Simply Click	1,75,000	500+gst	2019
RBL MoneyTap	4,75,000	500+gst	2019
HDFC Infinia	12,00,000	12,500 + gst	2023

Anything to remove? I feel RBL, Simplyclick and Legend are useless.

Place closure request for Simplyclick and get it converted to LTF via retention. Other 2 you can close.

 

[keerthirahul123]

Place closure request for Simplyclick and get it converted to LTF via retention. Other 2 you can close.

Will do that tomorrow morning itself.. Thank you

 

[enlightedinvestor]

CARD	Current Credit Limit	Fees	2024 Fee
STANDARD CHARTERED REWARDS	₹ 99,000.00	LTF	LTF
ICICI AMAZON PAY	₹ 4,60,000.00	LTF	LTF
HDFC MILLENNIA	₹ 1,35,000.00	LTF	LTF
IDFC MILLENNIA	₹ 1,00,000.00	LTF	LTF
AXIS MY ZONE	₹ 1,47,000.00	LTF	LTF
SBI CASHBACK	₹ 76,000.00	₹ 1,180.00	Waived
AU XCITE ACE	₹ 1,45,000.00	LTF	LTF
INDUSIND LEGEND	₹ 1,61,000.00	LTF	LTF
KOTAK PLATINUM	₹ 1,35,000.00	LTF	LTF
ICICI CORAL RUPAY	₹ 4,60,000.00	LTF	LTF
TATA NEU PLUS	₹ 1,35,000.00	₹ 590.00	Waived
FEDERAL IMPERIO	₹ 1,61,000.00	LTF	LTF
HSBC CASHBACK	₹ 1,19,000.00	₹ 1,180.00	Waived
SBI SimplySave	₹ 40,000.00	₹ 590.00	Waived
RBL World Safari	₹ 2,59,000.00	₹ 3,540.00	Waived
TOTAL	₹ 20,37,000.00	7,080.00​	0.00​

Started Card Journey in May 2022 to ICICI Amazon Pay

 

[MudraMantra]

My small portfolio. Your feedbacks are welcome.

 

[Deleted member 30446]

My small portfolio. Your feedbacks are welcome.

View attachment 53925

can you tell me the ages of the Indus, axis and icici cards? And it's crazy how much more the ICICI's limit is compared to others

 

[keerthirahul123]

can you tell me the ages of the Indus, axis and icici cards? And it's crazy how much more the ICICI's limit is compared to others

My amazon pay cc has 15 laks and awkwardly cos of salary account they are giving me sapphiro LTF and seems that limit is 18,00,000 change. i asked if it would be shared and the RM said no its not shared.

 

[MudraMantra]

can you tell me the ages of the Indus, axis and icici cards? And it's crazy how much more the ICICI's limit is compared to others

Axis Flipkart since 2019, Myzone 2024
Indusind 2023
ICICI Platinum 2015, Amazon 2017, coral 2023, Rubyx(all3) 2024.

Regarding ICICI Limit it was earlier 2.5L, I did a single transaction of 2.2L and got call from customer care if I want to convert it to EMI, I said no if possible please provide limit enhancement. Then after 2 days I got pop-up in iMobile and that was for 7.5L. Last year again got LE and hence it is now 9L.

 

[Deleted member 30446]

Axis Flipkart since 2019, Myzone 2024
Indusind 2023
ICICI Platinum 2015, Amazon 2017, coral 2023, Rubyx(all3) 2024.

Regarding ICICI Limit it was earlier 2.5L, I did a single transaction of 2.2L and got call from customer care if I want to convert it to EMI, I said no if possible please provide limit enhancement. Then after 2 days I got pop-up in iMobile and that was for 7.5L. Last year again got LE and hence it is now 9L.

Have you never gotten LE on the Axis card?

 

[MudraMantra]

Have you never gotten LE on the Axis card?

For Axis flipkart initial limit they given 72K, then after 6 month they raise it to 1.2L then after 7 or 8 months raise it to 1.75L.
After following Technofino YouTube channel I came to know that we can raise request from our end also , then I submitted them my ITR they raise it to 2.7L in MAR-23.
In fact my SBI card was SBI FBB with initial limit of 65K given in 2015 and I never raised any LE request neither they raised it. In 2019 I raised one complaint on twitter so they call me for that issue and offer me an LE as well and it became 1.25L. Then in 2022 I provided them my ITR and they raised it 2.5L.

 

[althafvly]

My 11 month old CC portfolio consists of following cards, in order i received:

1. HDFC Moneyback plus Rupay (11M)
2. ICICI Amazon pay (9M)
3. Federal bank imperio visa (9M)
4. Axis neo visa (5M)
5. ICICI Platinum (1M)
6. SBI Cashback - Paid (1M)
7. Axis Ace - Paid (1M)

CL is in between 71k to 1.8L. 71k is HDFC, Rest are 1L or above. Got rejected for 2 cards so far, Kotak rupay LTF and icici coral rupay. Cibil jumps in between 760-779.

Updated portfolio.

Closed axis Ace card, kept axis neo for offers and its also LTF. I didn't had a good experience with cc team while interactions that's why i closed ace card. I can get almost all the same benefits except offline 1.5% with sbi cashback.

New additions (Both pre-approved):
1. Federal Virtual UPI card LTF
2. ICICI coral rupay LTF

Also got an LE to 2L for federal.

Only one paid card atm. Total 8 cards.

 

[qwert]

Started cc career in 2023, Currently have 5 active card. After recent devaluation planning to get one good travel and cashback card. My Cibil jumps in between 755-765

CC Name	Limit	Annual Fees	Holding Since	Status
ICICI Coral	200000	LTF	2023​	active
ICICI Amazon Pay	200000	LTF	2023​	active
HDFC Moneyback plus	127000	500 +GST	2023​	active
SBI Pulse	190000	1499+GST	2024​	active
Axis Myzone	110000	LTF	2024​	active
HDFC Tata Nue plus	127000	499 +GST	2023​	closed
SCB Platinum Rewards	25000	250+GST	2023​	closed

Any recommendation or suggestion is welcome.

 

[Riya Sharma]

Started cc career in 2023, Currently have 5 active card. After recent devaluation planning to get one good travel and cashback card. My Cibil jumps in between 755-765

CC Name	Limit	Annual Fees	Holding Since	Status
ICICI Coral	200000	LTF	2023​	active
ICICI Amazon Pay	200000	LTF	2023​	active
HDFC Moneyback plus	127000	500 +GST	2023​	active
SBI Pulse	190000	1499+GST	2024​	active
Axis Myzone	110000	LTF	2024​	active
HDFC Tata Nue plus	127000	499 +GST	2023​	closed
SCB Platinum Rewards	25000	250+GST	2023​	closed

Any recommendation or suggestion is welcome.

View attachment 54473

Get Axis Atlas.

 

[qwert]

Get Axis Atlas.

Atlas was showing pre approved earlier but now its not showing, I don't know if it will going to get approved or not. If I get good LTF travel card then it be better.

 

[sibieeee]

Credit card	Limit	Acquisition year	Status
Axis FreeCharge plus	12000	2022	Closed
BoB onecard	45000	2023	Active(LTF)
Axis Select	889000	2023	Closed
Axis Atlas	889000	2023	Active (paid)
Axis Ace	889000	2023	Active(Paid)
Axis MyZone	889000	2024	Active(LTF)
Icici Amazon Pay	500000	2023	Active(LTF)
Icici Platinum	500000	2023	Active(LTF)
Icici Coral Rupay	500000	2023	Active(LTF)
Sbi Reliance Rupay	290000	2024	Active(Paid)
Hdfc Millenia	75000	2024	Active(LTF)

Axis Atlas is currently on platinum tier rewards. Sbi Reliance was a mistake that i need to figure out. Axis Ace has been FYF and has crossed the limit waiver so will continue for another year.

 

[mrclown]

My portfolio since 2020. Any feedback or suggestions?

 

[Riya Sharma]

View attachment 55087

My portfolio since 2020. Any feedback or suggestions?

lol what's with the low limits on AXIS BOB and Federal? It seems like your oldest cards had low limits but your newer cards have much higher limits, why is that? Did your income change significantly or something else?

 

[Hisoka]

View attachment 55087

My portfolio since 2020. Any feedback or suggestions?

Did you apply Swiggy card as LTF or you converted it after receiving?

 

[Riya]

CC Name	Limit	Annual Fees	Holding Since
Axis Flipkart	6,36,000	LTF	2020
HSBC Platinum	10,00,000	LTF	2016
ICICI Amazon Pay	15,00,000	LTF	2019
ICICI Coral Rupay	15,00,000 (shared limit)	LTF	2023
IndusInd Platinum Rupay	5,00,000	LTF	2023
AmEx MRCC	8,00,000	4500 + GST	2023
IndusInd Legend	10,00,000	LTF	2017
IDFC First Credit	8,75,000	LTF	2022
One Card	10,00,000	LTF	2023
SBI Simply Click	1,75,000	500+gst	2019
RBL MoneyTap	4,75,000	500+gst	2019
HDFC Infinia	12,00,000	12,500 + gst	2023

Anything to remove? I feel RBL, Simplyclick and Legend are useless.

Very interesting portfolio....
On one hand you have some magnificent cards like Infinia and Amex MRCC ( both with hefty fee) but on other hand you have some very mediocre paid cards like SBI simplyclick and RBL moneytap.... close these two as well as axis flipkart/ or rather get Axis flipkart upgraded to some good core Axis card.... the limits you have are amazing.... you need a good makeover of this portfolio (depending upon your expenses) .....

 

[mrclown]

lol what's with the low limits on AXIS BOB and Federal? It seems like your oldest cards had low limits but your newer cards have much higher limits, why is that? Did your income change significantly or something else?

Tried asking for LE with payslip but to no avail. Will wait for automated LE.

 

[mrclown]

Did you apply Swiggy card as LTF or you converted it after receiving?

Converted after receiving.