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jatinkrmalik

jatinkrmalik

TF Select
VIP Lounge
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
 
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Apply For LTF AU LIT Credit Card
Primary cards: HDFC DCB Metal (Paid), BoB Eterna (addon), Yes bank Marquee (Paid), American Express Platinum Travel (Paid).

Cashback cards: SBI cashback (Paid), Axis Airtel (Paid), ICICI Amazon Pay.

UPI: ICICI Rubyx, ICICI Coral, BoB Snapdeal, Yes bank Rupay, IndusInd Rupay.

Others: BoB Premier, ICICI Sapphiro, ICICI Platinum, IndusInd Legend, Federal bank Imperio.
 
Anindya98 said:
Education (fee + transport).- 6 L - Transport use Axis Atlas, SBI CB
Rent - 5L (though I assume not much might be possible here) SC Smart/Ultimate, Amex
Travel (mostly flight & hotel (less)) - 3-4 L , this is majority domestic with occasional international - this expense is likely to be more but taking min Axis Atlas
Insurance - 1.5L Apay Voucher using different CB cards, Amex
Train travel - 20-50K (likely might be 0 also given most travel is via air) RG from Smartbuy Portal
Electricity - 60K Apay Voucher using different CB cards, Amex
Gas 25K - https://www.technofino.in/community...he-amazon-friday-20-off-offer-still-on.36242/ Use 4-5 RPDC
Internet, Mobile, TV - 30K Multiple Airtel Axis , RPDC
Shopping amazon - 30K- 50K SBI CB, ICICI Apay
Zomato - 20K SBI CB
Eating outside - 30K Eazydiner Cards from Indusind
Grocery - 1 L (big basket) HDFC Tata Neu Infinity
Grocery - 2L (offline) - Yes Bank Kiwi
Shopping - 1.5 -2L (in store) - Yes Bank Kiwi, Branded Store use Gift card from Gyftr or other platforms at discounted rates
Misc - most year something major comes up (buying a new phone, laptop, a bigger vacation etc. etc.) - Offer Specific Bank Cards for Maxising Returns

Given I never had a big fascination for Credit Card , I only hold
- Regalia Gold ( 8 months expense around 11 Lakh) - current points approx 35K , with 10K flight voucher for meeting milestone
- Axis Ace - Close it and go for Airtel Axis as Gpay is charging processing fees

@SSV @BVC @vaibhav111 can shed some light regarding Infinia
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thank you very much - I did open a new thread as advised above but interesting to see most card recommendation varies quite a bit.. for e.g. on that thread I see Infinia, Amex Platinum however not here...
 
creditcard25 said:
thank you very much - I did open a new thread as advised above but interesting to see most card recommendation varies quite a bit.. for e.g. on that thread I see Infinia, Amex Platinum however not here...
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Different people reply based on their preferences. It's up to you to take what suits your spends, requirements and lifestyle.
 
Anindya98 said:
90% chance SBI will decline your card stating over-leverage.
Don't just go after LTF cards, even if your spending is low, take paid cards also to maximize your returns on the same spending. LTF cards don't provide much value, I also used to think the same, after getting SBI CB I almost saved 25K more than, I usually spend by just paying 999+GST for 2 years.
Also, close non-useful cards and 26 active cards are the reason why AU, Federal is rejecting your applications.
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Thank you so much for the suggestions. I will close the non-useful cards.
 
creditcard25 said:
thank you very much - I did open a new thread as advised above but interesting to see most card recommendation varies quite a bit.. for e.g. on that thread I see Infinia, Amex Platinum however not here...
Click to expand...
My understanding was that you prefer using two cards, which could make it quite challenging to switch between cards based on your spending patterns, especially during the initial months. Deciding whether to manage premium cards and pay the associated fees ultimately depends on your preferences and financial capacity. While your spending habits do align with the eligibility for cards like Infinia or M4B, the effort required to effectively utilize reward points, determine the best card for specific transactions, and redeem points at the right time might feel overwhelming at the start.

cardio_guy said:
Different people reply based on their preferences. It's up to you to take what suits your spends, requirements and lifestyle.
Click to expand...
Yes
 
Anindya98 said:
My understanding was that you prefer using two cards, which could make it quite challenging to switch between cards based on your spending patterns, especially during the initial months. Deciding whether to manage premium cards and pay the associated fees ultimately depends on your preferences and financial capacity. While your spending habits do align with the eligibility for cards like Infinia or M4B, the effort required to effectively utilize reward points, determine the best card for specific transactions, and redeem points at the right time might feel overwhelming at the start.


Yes
Click to expand...
this part of reward is definitely true - its not easy to figure out what to use and when...
 
cardio_guy said:
Will try. Had asked this earlier last year. In iMobile app, I am only seeing the paid version. (12k + 12k). Branch staff told not possible - salary 3L needed or TRV 2cr for EPM. I had left it there some months back. Will restart the trying. I'm OK with PVC LTF also.
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Emeralde PVC is worth only if it’s LTF. I had to use to for 2 years, and for the past year trying they might upgrade to EPM. But nothing is working for EPM. So closed it and took Times Black now.
 
Shaurya said:
Hi everyone, I have been using credit cards since 2020 and actively applying for past 2 years. Started applying for Lounge access, now it has become kind of passion to collect all cards. Annual spends are about 3-4 Lakh. Here are the cards I am using:


S. No.BankNameVariantCharges
1AMEXMRCCAMEX1499
2HSBCPlatinumVISALTF
3BoBEasyRupayLTF
4BoBSnapdealRupayLTF
5CanaraPlatinumRupayFYF
6Axis BankFlipkartVISALTF
7Axis BankAceVISAFYF
8ICICI BankAmazonpayVISALTF
9ICICI BankMake My TripVISALTF
10ICICI BankCoralRupayLTF
11ICICI BankSapphiroAMEXFYF
12ICICI BankSapphiroMCFYF
13RBLBinge SupercardMCLTF
14RBLShopriteVISALTF
15IndusIndLegendVISALTF
16IDFC FirstSelectVISALTF
17IDFC FirstAshwaVISA2999
18YesSelectVISALTF
19KotakZen SignatureVISALTF
20HDFCMilleniaMCLTF
21HDFCTATA NueRupayLTF
22HDFCSwiggyMCLTF
23HDFCPixelVISALTF
24PNBPlatinumRupayLTF
25SBM BankCredit.PeRupayLTF
26Utkarsh BankSuper.PeRupayLTF

Recently applied for SBI, hopefully get soon. I have been applying for Federal Bank & AU Cards for about 02 years, but getting declined. Not approaching premium cards due to low spending. Any suggestions for LTF or entry level cards ?
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What are the benefits of Credit.Pe and Super.Pe Credit Cards?
 
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