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jatinkrmalik

jatinkrmalik

TF Select
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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

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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...
Click to expand...
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.
Click to expand...
Thank you so much for the suggestions. I will close the non-useful cards.
 
Apply For LTF HDFC Swiggy Credit Card
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...
 
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