💳 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

 

[indraneal89]

Suggest me next best card?
I am thinking about diners club black metal

DCB Metal is usually the next step from Regalia Gold. What kind of spends do you have?

 

[raghavb6]

Grocery ( tata neu and Axis airtel) min 10% off
Bill payment (axis Airtel/Ace/tata neu) 10% upto 250 and then Ace card for 5%
Online shopping (sbi cashback) flat 5%
Flights (Atlas/ Regalia Gold) min 10%
offline (Atlas/ Regalia Gold) for 3-4%
Movies offer ( Sapphiro) 1+1 offer two times in a month
UPI ( tata neu) flat 1.5%
Irctc ( regalia gold) 3x reward points

These are the major spends.


Tata neu infinity has all the offers what we have on Axis Ace. I am thinking to close the ace.

Now looking for a card that rewards govt spends

DCB Metal is usually the next step from Regalia Gold. What kind of spends do you have?

 

[metal_heart]

Addition/Changes since then

• AXIS MyZone (Life Time Free)
• AXIS IOCL (Life Time Free)
• PNB Platinum (Life Time Free)
• American Express MRCC ( FYF, Rs 1500/year, waiver on Rs1,50,000 spends)
• SBI Cashback (FYF, Rs999/Year, waiver on Rs2,00,000 spends)
• KOTAK League (Life Time Free)
• ICICI Sapphirro (Life Time Free)
• SBI BPCL (Converted to LTF)

For over 15-18 months, I have been able to control urge to grab new cards. Few changes in portfolio

• CITI Rewards - Closed Now
• HDFC Regalia (Life Time Free) - Closed Now
• AXIS IOCL (Life Time Free) - Closed Now

• HDFC TATA NEU Infinity (Converted to Life Time Free)
• SBI Cashback (Converted to Life Time Free)
• RBL Zomato Classic (Life Time Free) converted -> RBL World Safari (Life Time Free)
• Standard Chartered Rewards (Life Time Free)

Many of the cards have not been out of drawer for over an year. Only thing they get is a special mentioned here

 

[signior-x]

I am 22 and have just started with the journey, here is my Portfolio:

Bank	Card	Limit	Yearly Charges	Purpose
AU	Ixigo	1.5L	LTF	0 Forex
SC	EaseMyTrip	2L	350	Priority pass
ICICI	Coral Visa/Rupay + Sapphiro MasterCard/Amex	3L	LTF	Bank offers
ICICI	Amazon Pay	50K	LTF	Amazon
SBM	OneCard	10K	LTF	Groceries + Offers

I am stuck with OneCard based on FD, I want to increase it's limit, but unable to. The limit is too low!

My Debit Card portfolio is good, I have SBI JCB, Diamond Debit card and PNB Rupay select debit card. My Debit cards are better than credit cards right now 😂.

 

[Laster]

Current collection

1.Hdfc moneyback+ LTF

2.Hdfc Tata neu+. LTF

3.Hdfc millenia. LTF

4.Swiggy hdfc. LTF

5.Icici amazon pay. LTF

6.Icici coral rupay & Mastercard LTF

7. Axis myzone. LTF

8. Axis Neo. LTF

9. Sbi Bpcl octane 1499

 

[kodiswaran]

Card	Usage
ICICI Amazon Pay CC	Amazon purchases (5% CB)
ICICI Coral Visa CC	-
ICICI Coral Rupay CC	UPI Payment
ICICI Sapphiro MC CC	Airport lounge access
ICICI Sapphiro Amex CC	Airport lounge access
HDFC Indigo XL CC	Used for HDFC offers
Amex Membership Reward CC	Not using much nowadays
Axis Flipkart CC	Flipkart purchases (5% CB)
Axis Airtel CC	Bill Payments & Food Orders (10% CB)

 

[futurenow]

Long-term lurker. First time poster. Feedback, recommendations, and questions - would be highly appreciated.

S#	Bank + Credit Card variant	Usage	Paid / LTF
1.	Axis Atlas	Primary + Airline / Hotel spends + EazyDiner Discounts + Domestic and International Lounges	Paid
2.	Amex MRCC	Vouchers - Amex Multiplier + For transactions that need extra security	Paid
3.	BoB OneCard	Offline Stores - Starbucks, Subway etc. + International Transactions	LTF
4.	ICICI Amazon Pay	Amazon	LTF
5.	HDFC Swiggy	Swiggy / Dineout / Instamart	LTF
6.	ICICI Sapphiro Dual Variant	BookMyShow + Domestic and International Lounges	LTF
7.	HDFC Marriott BonVoy	Domestic and International Lounges	Paid
8.	Yes Reserv	International Lounges + Bank Offers	LTF
9.	HDFC Regalia	International Lounges	LTF
10.	IDFC Wealth	CC Cash Withdrawal + Bank Offers	LTF
11.	Citi IndianOil	Bank Offers	LTF
12.	Kotak League Platinum	Bank Offers + Oldest CC	Paid
13.	IndusInd Legend	Bank Offers	LTF

More than a few changes and additions are planned, as and when time permits.

1. Recently surrendered/cancelled my Axis Magnus (for obvious reasons). I am looking to acquire Axis Samsung Infinite (primarily, for the 30,000 ER points) + Axis Privilege (for Vouchers from Axis Gift Edge).

2. IndusInd Pinnacle (for a 0 AMB IndusInd Exclusive Savings Account) + IndusInd EazyDiner Signature (for EazyDiner) + IndusInd Rupay Platinum (for UPI transactions).

3. Switch from the Kotak League Platinum (Paid) to Kotak Zen Signature (LTF).

4. HSBC Cashback (for 10% Cashback on Dining).

5. Axis Airtel (for Airtel bill payments).

6. Maybe - SBI Cashback, AU Zenith+, HDFC Regalia Gold (if offered LTF).

 

[signior-x]

Long-term lurker. First time poster. Feedback, recommendations, and questions - would be highly appreciated.

S#	Bank + Credit Card variant	Usage	Paid / LTF
1.	Axis Atlas	Primary + Airline / Hotel spends + EazyDiner Discounts + Domestic and International Lounges	Paid
2.	Amex MRCC	Vouchers - Amex Multiplier + For transactions that need extra security	Paid
3.	BoB OneCard	Offline Stores - Starbucks, Subway etc. + International Transactions	LTF
4.	ICICI Amazon Pay	Amazon	LTF
5.	HDFC Swiggy	Swiggy / Dineout / Instamart	LTF
6.	ICICI Sapphiro Dual Variant	BookMyShow + Domestic and International Lounges	LTF
7.	HDFC Marriott BonVoy	Domestic and International Lounges	Paid
8.	Yes Reserv	International Lounges + Bank Offers	LTF
9.	HDFC Regalia	International Lounges	LTF
10.	IDFC Wealth	CC Cash Withdrawal + Bank Offers	LTF
11.	Citi IndianOil	Bank Offers	LTF
12.	Kotak League Platinum	Bank Offers + Oldest CC	Paid
13.	IndusInd Legend	Bank Offers	LTF

More than a few changes and additions are planned, as and when time permits.

1. Recently surrendered/cancelled my Axis Magnus (for obvious reasons). I am looking to acquire Axis Samsung Infinite (primarily, for the 30,000 ER points) + Axis Privilege (for Vouchers from Axis Gift Edge).

2. IndusInd Pinnacle (for a 0 AMB IndusInd Exclusive Savings Account) + IndusInd EazyDiner Signature (for EazyDiner) + IndusInd Rupay Platinum (for UPI transactions).

3. Switch from the Kotak League Platinum (Paid) to Kotak Zen Signature (LTF).

4. HSBC Cashback (for 10% Cashback on Dining).

5. Axis Airtel (for Airtel bill payments).

6. Maybe - SBI Cashback, AU Zenith+, HDFC Regalia Gold (if offered LTF).

@futurenow this is indeed a list that I want to have.
From how long, have you been collecting credit cards?

 

[Ra.One]

Got my first CC in Jan,2023, now share the leverage burden with my wife, who got her first CC in March,2024.

Cards I hold, from when I acquired them.
Flipkart Axshit-Jan,2023-Paid
Apay Icici- Jan,2024
Axshit Ace-Jan,2024-Paid
BoB SD-March,2024-Paid
Amex Plat Trav, Gold, MRCC (in that order)- March,2024
HDFC Millenia-FYF-March,2024
Icici Sapphiro Dual-LTF-May, 2024
IndusInd Pinnacle-50k/90 days LTF-June,2024
IndusInd Platinum Rupay-June,2024
BoB HPCL Energie-LTF-July,2024

Next up-Yes Marquee

Cards my better half holds-
Airtel axshit- paid-March,24
HDFC Millenia-LTF-June,2024
SBI BPCL Octane Rupay-paid-June,2024
PNB Rupay Select-June,2024
IndusInd Samman Rupay-FYF-July,2024

Next up-Canara Rupay select


Combined Debit cards list -
Au Royale Visa sig-April,23
HDFC easyshop plat- Nov,23
RBL SPDC- Feb,24
Indus Exclusive-June,24
Indus Pioneer Metal-June,24
BoB Rupay Select-July,24
BoB Sapphire-July,24
Jana SFB Rupay Select- July,24

Next up- Canara Rupay Select & Yes Grande DC

 

[Hisoka]

For over 15-18 months, I have been able to control urge to grab new cards. Few changes in portfolio

• CITI Rewards - Closed Now
• HDFC Regalia (Life Time Free) - Closed Now
• AXIS IOCL (Life Time Free) - Closed Now

• HDFC TATA NEU Infinity (Converted to Life Time Free)
• SBI Cashback (Converted to Life Time Free)
• RBL Zomato Classic (Life Time Free) converted -> RBL World Safari (Life Time Free)
• Standard Chartered Rewards (Life Time Free)

Many of the cards have not been out of drawer for over a year. Only thing they get is a special mentioned here

So you don’t have any core HDFC card now? Also how did you convert SBI Cashback to LTF?

 

[metal_heart]

So you don’t have any core HDFC card now? Also how did you convert SBI Cashback to LTF?

Yes. Regalia reward rate were too low and with SBI cashback, the usage was reduced further.
It was good for lounge but then devaluation happened.

SBI cashback got converted just by luck. I had dropped emails few times, but they didn't honor.
I was on call with customer care (for another issue). Asked them to check offer for LTF and they confirmed it is available. Raised request and got it.

I was anyways meeting criteria for last 2 years; but its good that i don't need to track milestone spends

 

[Krishna Kumar]

Grocery ( tata neu and Axis airtel) min 10% off
Bill payment (axis Airtel/Ace/tata neu) 10% upto 250 and then Ace card for 5%
Online shopping (sbi cashback) flat 5%
Flights (Atlas/ Regalia Gold) min 10%
offline (Atlas/ Regalia Gold) for 3-4%
Movies offer ( Sapphiro) 1+1 offer two times in a month
UPI ( tata neu) flat 1.5%
Irctc ( regalia gold) 3x reward points

These are the major spends.


Tata neu infinity has all the offers what we have on Axis Ace. I am thinking to close the ace.

Now looking for a card that rewards govt spends

How come Regalia Gold 3-4% for Offline spends?
Can you please explain.

 

[futurenow]

@futurenow this is indeed a list that I want to have.
From how long, have you been collecting credit cards?

@sethpriyam1, umm, I believe it has been about 4-5 years. On and off. I got further sucked into it in the last 12-18 months 🙄 (blame Magnus for everything).

 

[am11]

This is my collection:

1. HDFC DCB - LTF
2. ICICI Sapphiro Visa - LTF
3. ICICI Rubyx Visa - LTF
4. ICICI Coral Rupay - LTF
5. ICICI Coral HPCL - Paid (First Credit Card)
6. Amex MRCC - Paid (Referral Offer)
7. Axis Airtel - FYF
8. Axis Flipkart - LTF
9. BOB Premier - LTF
10. BOB HPCL Energie - LTF
11. CITI Indian Oil - LTF
12. HSBC Visa Platinum - LTF
13. IDFC Wealth - LTF
14. IndusInd Eazydiner Platinum - LTF
15. IndusInd Legend - LTF
16. IndusInd Platinum Rupay - LTF
17. SBI Cashback - First and 2nd Year Free Ongoing
18. SBI SimplyClick - FYF
19. Yes Premia/ Elite - LTF

 

[Centurion_wala]

ICICI Coral HPCL - Paid (First Credit Card)

Why don’t you close this card?
It won’t hamper your credit history and score.

SBI Cashback - First and 2nd Year Free Ongoing
SBI SimplyClick - FYF

Try using closure trick and get these cards converted to LTF.

 

[am11]

Why don’t you close this card?
It won’t hamper your credit history and score.

Try using closure trick and get these cards converted to LTF.

It's the nostalgia of the first credit card (since 2014) which prevents me from closing. 🙂

For SBI Cashback card, already got 2nd year fee reversed. So will see again on renewal. Same for Simplyclick (fyf ongoing ) will see on renewal.

 

[Deviation]

1. ICICI AMAZON PAY
2. ICICI PLATINUM
3. ICICI CORAL
4. HDFC MONEY BACK+
5. HDFC TATA NEU
6. HDFC SWIGGY
7. SBI SIMPLYCLICK
8. SBI BPCL
9. KOTAK LEAGUE
10. STANDARD CHARTERED REWARDS
11.PNB PLATINUM
12. AXIS AIRTEL
13. AXIS ACE
14. AXIS FLIPKART
15. YES BANK BYOC
16. YES BANK RUPAY
17. IDFC FIRST MILLENIA
18. IDFC RUPAY
19. RBL SHOPRITE
20. HSBC (APPROVED BUT NOT DELIVERED)

NO IDEA WHY BANK OF BARODA NEVER GAVE ME A CARD. MAY BE BECAUSE I HAVE MY SALARY ACCOUNT WITH THEM SINCE 10 YEARS :=p

 

[Sanskar]

View attachment 58257This is my current CC portfolio. Any suggestions?

How SBi Cashback LTF?

 

[TheTrickySid]

Current collection

1.Hdfc moneyback+ LTF

3.Hdfc millenia. LTF
View attachment 59978

How did you got both as both being core cards??

 

[TheTrickySid]

I am 22 and have just started with the journey, here is my Portfolio:

Bank	Card	Limit	Yearly Charges	Purpose
AU	Ixigo	1.5L	LTF	0 Forex
SC	EaseMyTrip	2L	350	Priority pass
ICICI	Coral Visa/Rupay + Sapphiro MasterCard/Amex	3L	LTF	Bank offers
ICICI	Amazon Pay	50K	LTF	Amazon
SBM	OneCard	10K	LTF	Groceries + Offers

I am stuck with OneCard based on FD, I want to increase it's limit, but unable to. The limit is too low!

My Debit Card portfolio is good, I have SBI JCB, Diamond Debit card and PNB Rupay select debit card. My Debit cards are better than credit cards right now 😂.

Sapphiro LTF how??