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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
 
Last edited:
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vaibhav111 said:
how? limit is just some 54,000 though!
Click to expand...
premier tak to ho hi jayega at least, may be eterna too, mail them with this (attachment)
or

simply mail them mentioning (at starting of mail)
DEAR BOB CARD ISSUANCE TEAM
reply will come from either KIRAN V or FALGUNI P
mostly the former

But remember confirm the communication address(that there is no change in it) in the first mail itself otherwise they will ask for it again reverting to your email
give all details in the first mail only
 

Attachments

kuchbhi said:
premier tak to ho hi jayega at least, may be eterna too, mail them with this (attachment)
or

simply mail them mentioning (at starting of mail)
DEAR BOB CARD ISSUANCE TEAM
reply will come from either KIRAN V or FALGUNI P
mostly the former

But remember confirm the communication address(that there is no change in it) in the first mail itself otherwise they will ask for it again reverting to your email
give all details in the first mail only
Click to expand...
since i don't use bob cc, may be in the future i will considered it.
 
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TechnoFino said:
CSR ka 5/24 rules 🥲
CO Vx abhi nahi de raha.
And I'm a gareeb insaan, don't have money to pay Amex Centurion joining fees 🥲
Click to expand...
Hehe.. So Chase wants you to go on credit fasting for 2 years. But I'm sure VentureX will be added soon. Aur aap Centurion lena nahi chahte, ek bar bologe toh Amex wale aapko US se Kolkata dene aayenge. On a lighter note, Don't tell me you are a part of the so called "Infinia Reserve secret pilot run" 🤣🤣
 
althafvly said:
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.
Click to expand...
My updated 1.8 year old CC portfolio consists of following cards:

1. HDFC Moneyback+ Rupay
2. ICICI Amazon pay
3. Federal bank imperio visa
4. Axis neo visa
5. SBI Cashback - (Paid)
6. Federal Virtual UPI
7. ICICI coral rupay
8. Yes bank kiwi
9. HDFC swiggy MC
10. HDFC TATA neu plus Rupay
11. BOB premier rupay

Closed:

1. Axis ace (Paid)
2. ICICI platinum
3. HDFC tata neu plus (FYF)
4. HDFC Rupay virtual

- CL is in between 1.1L to 2.49L. 1.1L is ICICI. Got rejected for 2 cards so far, Kotak league and icici coral rupay.
- Cibil jumps in between 770-782.
- Credit utilisation is under 5%.
 
althafvly said:
My updated 1.8 year old CC portfolio consists of following cards:

1. HDFC Moneyback+ Rupay
2. ICICI Amazon pay
3. Federal bank imperio visa
4. Axis neo visa
5. SBI Cashback - (Paid)
6. Federal Virtual UPI
7. ICICI coral rupay
8. Yes bank kiwi
9. HDFC swiggy MC
10. HDFC TATA neu plus Rupay
11. BOB premier rupay

Closed:

1. Axis ace (Paid)
2. ICICI platinum
3. HDFC tata neu plus (FYF)
4. HDFC Rupay virtual

- CL is in between 1.1L to 2.49L. 1.1L is ICICI. Got rejected for 2 cards so far, Kotak league and icici coral rupay.
- Cibil jumps in between 770-782.
- Credit utilisation is under 5%.
Click to expand...
Nice summary. Thanks for sharing.
You need to get a decent HDFC and a decent Axis. But your portfolio is still under 2 yrs, so you will get there.
 
S9100 said:
Nice summary. Thanks for sharing.
You need to get a decent HDFC and a decent Axis. But your portfolio is still under 2 yrs, so you will get there.
Click to expand...
I don't particularly use axis. Main account is HDFC and for some reason, I don't have an RM assigned to me even though its a Speciale gold savings account. I have been trying fix family banking issues aswell through branch. Will try for an upgrade once everything is sorted.
 
althafvly said:
I don't particularly use axis. Main account is HDFC and for some reason, I don't have an RM assigned to me even though its a Speciale gold savings account. I have been trying fix family banking issues aswell through branch. Will try for an upgrade once everything is sorted.
Click to expand...
What do you mean you don't use Axis?
For HDFC, email works best.
 
S9100 said:
What do you mean you don't use Axis?
For HDFC, email works best.
Click to expand...
I don't use their bank account or credit card that often. I do 50-100rs transaction every 1 or 2 months. I used to have 1k-3k spends for utilities on credit card, but stopped after they moved it to paytm from amazon.

Hdfc in email tells me to contact branch.
 
althafvly said:
I don't use their bank account or credit card that often. I do 50-100rs transaction every 1 or 2 months. I used to have 1k-3k spends for utilities on credit card, but stopped after they moved it to paytm from amazon.

Hdfc in email tells me to contact branch.
Click to expand...
Yes. Axis becoming very worst. Paytm charging fee for utility bill payment using credit card 😡🤬
 
Updated portfolio (Only LTF cards):

1. HDFC Moneyback plus rupay
2. HDFC Tata Neu Plus rupay (new)
3. HDFC Swiggy
4. ICICI Amazon Pay
5. ICICI Coral Rupay
6. Bob Premier rupay
7. Axis Neo visa
8. Axis Myzone rupay
9. Yes bank Kiwi rupay
10. Federal imperio Visa
11. Federal wave rupay

Closed cards:

1. Axis ace.
2. ICICI Platinum.
3. HDFC Tata neu plus rupay (old).
4. HDFC UPI virtual rupay.
5. SBI CB visa
6. SBI CB mastercard

1.8 year old credit history.
 
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My portfolio:
1. RBL Shoprite Rupay LTF 2. RBL bajaj platinum paid 3. HDFC Tata Neu bo Ltf 4. HDFC Millennia ltfl
5. indusind Platinum Rupay Ltf 6. Indusind Signature Legend Itf 7. BoB premier rupay Itf
8. Yes Premia ltf
9. Kotak PVR platinum Paid
10. Kotak Rupay Ltf
11. Axis MyZone Ltf
12. Flipkart axis Itf
13. Airtel axis paid approved today ③
14. Idfc Millennia Itf
15. Sbi simply click Itf 16. Sbi ola money Itf 17. OneCard Itf
18. AMEX MRCC Paid
19. Icici coral rupay Itf
20. Icici MMT platinum Itf
21. Icici Amazon pay ltf
22. Icici sapphiro Master FYF
23. Icici sapphiro Amex FYF
 
My portfolio:

HDFC Moneyback plus credit card
HDFC UPI credit card
HDFC Swiggy credit card
HDFC Tata Neu Infinity credit card
Flipkart Axis Bank credit card
Axis Neo credit card
Amazon pay ICICI credit card
Kiwi Yes Bank credit card
Federal Bank Imperio credit card

Closed cards :
Sbi Simply Save credit card

All credit card are Life time free. More than 5 years credit history.
 
My portfolio:
ICICI apay
Axis myzone paid
HDFC TATA neu
SC rewards paid
Hsbc platinum
Indusind rupay
Federal onecard
SBI BPCL
Idfc first millennia
Yes bankbazar
RBL Shoprite

Closed:
HDFC moneyback plus
SBI TATA star
RBL maxima plus
 
  1. HDFC Business MoneyBack – Cashback on groceries, utilities. Complex cashback structure.
  2. Kotak IndianOil – Best for fuel, dining, and groceries. Limited to IndianOil stations.
  3. SBI Prime – Great for shopping and entertainment. Higher annual fee.
  4. Axis Flipkart – Best for Flipkart shopping. Limited outside their ecosystem.
  5. YES Prosperity – Good for business expenses, travel perks. Limited cashback redemption.
These cards help me with Easemoney website expenses, but not sponsored. They make managing costs smoother for my site.
 
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