💳 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

 

[Adith]

May be on paper. People in my office with 95K pm have LTF Sapphiro. It's all about right banking person with the correct rights either approving or punching stuff in their software.

Will try this once i have time to spare. Currently running around like a headless chicken trying to relocate from Hyderabad to Chennai. But seriously thanks, great idea for getting Sapphiro which is useful atleast for BOGO offer on BMS.

 

[cardio_guy]

My updated card list below:

Card	Limit	Fees	Using it for
ICICI Amazon Pay	10L	LTF	Amazon purchases, 5% cashback
ICICI Sapphiro	10L (shared)	LTF	Lounge access, movie ticket B1G1 offers.
ICICI Coral Rupay	10L (shared)	LTF	Not using
HDFC Swiggy	1.2L	500 (J) + 500 (A) Waived off on 2L spend	Swiggy purchases, 10% cashback
Federal Celesta	5L	LTF	Lounge access, movie ticket B1G1 offers
Federal Wave Rupay Virtual	5L (shared)	LTF	UPI payments
Standard Chartered Easemytrip	6L	350 (J) + 350 (A) Waived off on 50,000 spend	Priority Pass

Next goal this year is to add some higher variant cards and close the lower ones.

• Add Emeralde and close Sapphiro and Coral Rupay.
• Add HDFC Neu Infinity and Regalia Gold and close SC EMT.
• Get a limit enhancement for HDFC Swiggy.

I need two helps, please DM me:
- If someone can help me get these cards.
- If someone can suggest how to optimize these or suggest any other premium card that I should look into,

 

[shanzyshan]

I got
Axis Bank Magnus
HDFC Bank Business Regalia
ICICI Bank Rubyx

 

[Adith]

I got
Axis Bank Magnus
HDFC Bank Business Regalia
ICICI Bank Rubyx

Shouldn't you be eligible for ICICI Sapphiro since you have magnus ?

Is your Rubyx LTF ?

 

[AllThatStuff]

My updated card list below:

Card	Limit	Fees	Using it for
ICICI Amazon Pay	10L	LTF	Amazon purchases, 5% cashback
ICICI Sapphiro	10L (shared)	LTF	Lounge access, movie ticket B1G1 offers.
ICICI Coral Rupay	10L (shared)	LTF	Not using
HDFC Swiggy	1.2L	500 (J) + 500 (A) Waived off on 2L spend	Swiggy purchases, 10% cashback
Federal Celesta	5L	LTF	Lounge access, movie ticket B1G1 offers
Federal Wave Rupay Virtual	5L (shared)	LTF	UPI payments
Standard Chartered Easemytrip	6L	350 (J) + 350 (A) Waived off on 50,000 spend	Priority Pass

Next goal this year is to add some higher variant cards and close the lower ones.

• Add Emeralde and close Sapphiro and Coral Rupay.
• Add HDFC Neu Infinity and Regalia Gold and close SC EMT.
• Get a limit enhancement for HDFC Swiggy.

I need two helps, please DM me:
- If someone can help me get these cards.
- If someone can suggest how to optimize these or suggest any other premium card that I should look into,

It’ll be difficult for you to get HDFC core card (Infinia, Regalia, Millenia etc.) as your 1st HDFC card is a co-branded card (HDFC Swiggy, Tata Neu, etc.) !!

 

[kodiswaran]

It’ll be difficult for you to get HDFC core card (Infinia, Regalia, Millenia etc.) as your 1st HDFC card is a co-branded card (HDFC Swiggy, Tata Neu, etc.) !!

True. I had HDFC Indigo XL LTF and I tried for DCB or Infinia and I wasn’t able to get it. Now I closed my LTF card to apply for core card.

 

[happy_turtle]

HDFC Infinia
IDFC Vistara
Axis Atlas
Amex Travel Platinum

 

[knr2605]

SBI SimplyClick LTF
SBI BPCL (paid)

ICICI HPCL super saver (paid)
ICICI Coral Rupay (LTF)

Yes Elite plus (LTF)
Yes rupay (LTF)

HDFC Millenia (FYF)
HDFC swiggy (LTF)
HDFC TATA Neu plus (paid)

Kotak Zen (LTF)
Airtel Axis (paid)
HSBC platinum LTF

Thinking of closing ICIC super saver, using SBI BPCL.
I got pre-approved rubyx LTF. should I take it ?

 

[salisburry44]

Infinia- 10L (4 days old)
Amex plat travel - 6.4L (1.5 month)
Indusind Legend- 5.9L ( 11 month)
IDFC Wealth - 5.4L (4 month)
ICICI Amazon- 1L (1.1 yr)

Rbl Platinum maxima(1st cc) (7 years)- closed

 

[cardio_guy]

Updated:

Federal Celesta - 5L - LTF
Federal Wave Rupay - 5L (shared) - LTF
ICICI Amazon Pay - 10L - LTF
ICICI Sapphiro - 10L (shared) - LTF
ICICI Coral Rupay - 10L (shared) - LTF
IDFC First Wealth - 4L - LTF
HDFC Swiggy - 1.2L - Paid
SC EMT - 6L - Paid

 

[Riya Sharma]

Current Credit Card Collection:

Amex Gold Charge
Amex Plat Travel
Amex MRCC
Axis Atlas

 

[EternallyHopeful]

Updated:

Federal Celesta - 5L - LTF
Federal Wave Rupay - 5L (shared) - LTF
ICICI Amazon Pay - 10L - LTF
ICICI Sapphiro - 10L (shared) - LTF
ICICI Coral Rupay - 10L (shared) - LTF
IDFC First Wealth - 4L - LTF
HDFC Swiggy - 1.2L - Paid
SC EMT - 6L - Paid

Sapphiro and Coral Rupay shared limit with which card?

 

[msd07]

Sapphiro and Coral Rupay shared limit with which card?

Amazon Pay card may be.. thats how i also have as APay CC was my first icici CC

 

[cardio_guy]

Sapphiro and Coral Rupay shared limit with which card?

ICIC say all their cards are shared limits.
Though the usage are shown different for Apay and Sapphiro/Coral, I believe the total limit is APAY/Sapphiro/CORAL
For sure I know Coral and Sapphiro are shared. But not sure if it is shared with APAY also.

That means - I have not tried using 20L (Apay 10 + Sapphiro 10). I think total is 10 only.
Either way, my usage is less than 50k, so not a big problem for me.

 

[Abhi1986476]

HDFC BIZGROW -500/YEAR - 5 L SHARED LIMIT
HDFC REGALIA GOLD -2500/YEAR -5 L SHARED LIMIT
HDFC RUPAY -ltf -5 L SHARED LIMIT
ICICI AMAZON -LTF -4.8 L
ICICI CORAL RUPAY -1 L
ICICI CORAL AMEX -1 L
KOTAK SIGNATURE -1500 /YEAR -4.5 L
AU LIT - LTF - 3 L
SBI AURUM - 10000/YEAR -4.15 L
IDFC MAYURA - 5999/YEAR - 2.4 L SHARED LIMIT
IDFC SELECT -LTF -2.4 L SHARED LIMIT
IDFC POWER PLUS - LTF -2.4 L SHARED LIMIT
AXIS INDIAN OIL - 500 /YEAR -80000 THOUSANDS
ONE CARD -LTF -5 L
BOB PREMIER -LTF -65 000 SHARED LIMIT
BOP HPCL -LTF -65 000 SHARED LIMIT
INDUSEND PINNACLE -2.4 SHARED LIMIT
INDUSEND - 2.4 SHARED LIMIT
YES BANK RUPAY -3.66 SHARED LIMIT
YEA BANK RESERVE - 3.66 SHARED LIMIT
RBL SAVMAX - LTF -4.2 L

 

[Tarun239]

HDFC BIZGROW -500/YEAR - 5 L SHARED LIMIT
HDFC REGALIA GOLD -2500/YEAR -5 L SHARED LIMIT
HDFC RUPAY -ltf -5 L SHARED LIMIT
ICICI AMAZON -LTF -4.8 L
ICICI CORAL RUPAY -1 L
ICICI CORAL AMEX -1 L
KOTAK SIGNATURE -1500 /YEAR -4.5 L
AU LIT - LTF - 3 L
SBI AURUM - 10000/YEAR -4.15 L
IDFC MAYURA - 5999/YEAR - 2.4 L SHARED LIMIT
IDFC SELECT -LTF -2.4 L SHARED LIMIT
IDFC POWER PLUS - LTF -2.4 L SHARED LIMIT
AXIS INDIAN OIL - 500 /YEAR -80000 THOUSANDS
ONE CARD -LTF -5 L
BOB PREMIER -LTF -65 000 SHARED LIMIT
BOP HPCL -LTF -65 000 SHARED LIMIT
INDUSEND PINNACLE -2.4 SHARED LIMIT
INDUSEND - 2.4 SHARED LIMIT
YES BANK RUPAY -3.66 SHARED LIMIT
YEA BANK RESERVE - 3.66 SHARED LIMIT
RBL SAVMAX - LTF -4.2 L

How did u get idfc power plus ltf?

 

[dnp71]

My credit card list.
and I need suggestions.

1. Au LiT
2. Axis neo ltf
3. Axis airtel paid
4. Bob hpcl
5. Bob snapdeal ltf
6. Hdfc millennia paid
7. Hdfc swiggy paid
8. Hdfc Tata neu plus ltf
9. Icici apay ltf
10. Idfc power+ paid
11. Sbi simply click ltf
12. One card sib

Spends more in grocery shopping and food delivery both online + offline 10k+
Insurance
12k pm and 20k one a year
Fuel
10k avg ....even more sometimes
Upi around 5k
Online Shopping - moderate

Also I feel I have many paid and want to make ltf
Let me know if any tricks to make ltf

Salaried around 80k pm hdfc

 

[sousnake]

My credit card list.
and I need suggestions.

1. Au LiT
2. Axis neo ltf
3. Axis airtel paid
4. Bob hpcl
5. Bob snapdeal ltf
6. Hdfc millennia paid
7. Hdfc swiggy paid
8. Hdfc Tata neu plus ltf
9. Icici apay ltf
10. Idfc power+ paid
11. Sbi simply click ltf
12. One card sib

Spends more in grocery shopping and food delivery both online + offline 10k+
Insurance
12k pm and 20k one a year
Fuel
10k avg ....even more sometimes
Upi around 5k
Online Shopping - moderate

Also I feel I have many paid and want to make ltf
Let me know if any tricks to make ltf

Salaried around 80k pm hdfc

close hdfc millennia paid as you have swiggy paid.
try to get sbi cashback if you think you can get 5% on online spends which hdfc swiggy doesn't cover.
you have hpcl & power+ paid - you can close 1 of these.

 

[dnp71]

close hdfc millennia paid as you have swiggy paid.
try to get sbi cashback if you think you can get 5% on online spends which hdfc swiggy doesn't cover.
you have hpcl & power+ paid - you can close 1 of these.

Millennia yes I should close, But what are the chances for getting regalia gold and dcb in future.
Sbi Cashback tried 2 times in last 6 months no luck.
My fuel spends are near to 10k
That's the reason 1 have 2 fuel, let me know any alternative way to cover remaining fuel spends

 

[sousnake]

Millennia yes I should close, But what are the chances for getting regalia gold and dcb in future.
Sbi Cashback tried 2 times in last 6 months no luck.
My fuel spends are near to 10k
That's the reason 1 have 2 fuel, let me know any alternative way to cover remaining fuel spends

If fuel is 10k, you can try bpcl octane, i guess.
Yes for regalia gold you can keep millennia but then you have to move some spends on it. then probably.
leave sbi cashback then..