💳 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

 

[Sai787]

Cards	Limit	Fees
Citi Prestige	1,447,000	20,000
HDFC Diners Club Black	500,000	LTF
ICICI Sapphiro	500,000	3,500
SBI Elite	330,000	5,000
IDFC Select	300,000	LTF
RBL Zomato Edition Classic	242,000	LTF
Bankbazaar RBL Save Max		LTF
Paisabazaar RBL DUET		LTF
AU Altura Plus	150,000	499
Citi Rewards	75,000	LTF
Axis Vistara Infinite	75,000	10,000
Axis Privilege		FYF
Total	3,619,000	38,999

 

[prc1990]

Cards	Limit	Fees
Citi Prestige	1,447,000	20,000
HDFC Diners Club Black	500,000	LTF
ICICI Sapphiro	500,000	3,500
SBI Elite	330,000	5,000
IDFC Select	300,000	LTF
RBL Zomato Edition Classic	242,000	LTF
Bankbazaar RBL Save Max		LTF
Paisabazaar RBL DUET		LTF
AU Altura Plus	150,000	499
Citi Rewards	75,000	LTF
Axis Vistara Infinite	75,000	10,000
Axis Privilege		FYF
Total	3,619,000	38,999

CITI Rewards on MasterCard?

 

[aswinsegu]

Here is my list of CCs

Cards	Limit	Fees
HDFC Diners Club Black	13,72,000	LTF (Alumni)
IDFC First Wealth	10,00,000	LTF
Yes First Exclusive	1,02,000	LTF (Promotional Offer)
ICICI Sapphiro	11,40,000 (shared)	LTF (Previous Employer)
ICICI Amazon Pay	11,40,000 (shared)	LTF
AMEX Membership Rewards	6,33,000	LTF (Promotional Offer)
One Card Metal (BOB Financial)	5,00,000	LTF
SBI Simply Save	5,80,000	499+GST per Year waiver on 1 Lakh spends
Axis Airtel	1,75,000	500+GST per Year waiver on 2 Lakhs spends
Total	55,02,000	1178.82

This is my updated portfolio as of yesterday's upgrade

 

[Sai787]

CITI Rewards on MasterCard?

Yes, MasterCard

 

[kiran kumar]

My credit card journey:

1) My first one was ICICI Coral - 90k
2) After few months got ICICI Amazon Pay - 50k

Used these cards for 3-4 years and now have limit of 3L with Coral and 90k with Apay. Growth in credit card upgrades and limit enhancements were quite slow in ICICI when compared to HDFC in my case.

3) Got HDFC millenia credit card LTF an year ago with 3L limit.
4) Lastly got upgrade offer from HDFC recently on Infinia as FYF with 10L limit.

 

[Rahul92]

My credit card journey:

1) My first one was ICICI Coral - 90k
2) After few months got ICICI Amazon Pay - 50k

Used these cards for 3-4 years and now have limit of 3L with Coral and 90k with Apay. Growth in credit card upgrades and limit enhancements were quite slow in ICICI when compared to HDFC in my case.

3) Got HDFC millenia credit card LTF an year ago with 3L limit.
4) Lastly got upgrade offer from HDFC recently on Infinia as FYF with 10L limit.

Direct Millennia to Infinia ? No cards upgrade or limit enhancement in between ?

 

[kiran kumar]

I got limit enhancement in Millenia to 10L first, and then upgrade to Infinia.

 

[CMGCMG is verified member.]

I got limit enhancement in Millenia to 10L first, and then upgrade to Infinia.

From what to 10L?

 

[Rahul92]

I got limit enhancement in Millenia to 10L first, and then upgrade to Infinia.

Per month spending on Millennia?
How much time did you use it ?
Any account with hdfc ?

 

[jack333]

This is my updated portfolio as of yesterday's upgrade

Sir how you got Amex MRCC and yes first exclusive as LTF?

 

[aswinsegu]

Sir how you got Amex MRCC and yes first exclusive as LTF?

Got them under promotional offers

 

[ashwinkashwink is verified member.]

Today's deliveries.View attachment 5007

Celesta is the rearest i have seen although MC network is more better than Visa..

 

[Vishnu]

View attachment 4

HDFC Regalia - 4Lakh
StanC Plat Rewards - 75k
Axis Ace/Flipkart- 50k
ICICI Plat/Apay - 2.5Lakh
Yes Properity Edge - 40k
HDFC Indian Oil - 25k
SBI Simplysave - 56k
SBI Prime - Closed

SimplyClick and SC Smart on the way.

Got HDFC Regalia First as my first card in Sept 2019.
All other card added in the last 5 months.

Here is the small list of my card.

• HDFC DCB (LTF)
• HDFC Infinia (LTF)
• Amex MRCC (LTF)
• Yes Bank First Exclusive (LTF)
• ICICI Platinum (Secured / LTF)
• ICICI Amazon Pay (LTF)
• ICICI Sapphiro (LTF)
• IDFC Wealth (LTF)
• BOB Eterna (LTF)
• Kotak League (LTF)
• IndusInd Legend (LTF)
• HSBC Visa Platinum (LTF)
• AU Bank Zenith (LTF)
• RBL Zomato Classic Edition (LTF)
• Axis MyZone (LTF)
• Onecard (BOB) (LTF)
• Citi Paytm First (500/yr)
• Axis Flipkart (500/yr)
• SBI Simply Click (500/yr)
• StanC Ultimate (5000/yr)

Happy to help.

Hey how did you get two HDFC credit card?

 

[Wealth is my birth right!]

Wow!!!

Here are my cards:

1. Axis Magnus (Paid card but will hit monthly 1L milestone mostly every month)
2. Axis Ace (2L spends for fee waiver - will acheive)
3. Amex Plat Travel (Will pay partially with reward points)
4. Amex MRCC (1.5L for waiver - but mostly waived off even without 1.5L spends)
5. BOB Eterna (2/2.5L spends for fee waiver - will acheive)
6. Citi IndianOil (30k spends for waiver - will acheive)
7. RBL Edition by Zomato (LTF - Better card than I thought)
8. SBI Elite (10L for fee waiver - can't acheive so will downgrade on renewal to SimplyClick)
9. HDFC Regalia (LTF)
10. ICICI Amazon Pay (LTF)
11. IDFC Select (LTF)
12. INDUSIND Legend (LTF)
13. Yes Premia (LTF)
14. Slice (LTF - Don't want to keep based on negative reviews but so many good offers)
15. Axis Airtel - Paid card Application raised

Also managing my Wife's cards:

1. Amex Gold Charge (Fee waiver will acheive or pay partially with points based on support offer)
2. Amex MRCC (LTF based on Gold charge)
3. Citi Rewards (30k for waiver - will acheive)
4. Axis Neo (LTF)
5. HDFC Regalia (LTF)
6. IDFC Millenia (LTF)
7. Slice (LTF - Don't want to keep based on negative reviews but so many good offers)
8. Axis Flipkart - LTF Application raised

Great portfolio btw how many Amex cards in India one can hold both cc and charge cards together I heard 2 cc and 1 charge card but I am able to see ppl hold 4!
I currently hold smart earn and planning to take mrcc once referral programs start and long run wish for gold charge too
Advice or suggestions pls
TIA

 

[jack333]

Just followed a simple trick , which is only applicable on SBI , and i never got any pre-approved offer LE and i never gave any income doc. For limit increase.

Bro please share the trick with me too

 

[kiran kumar]

From what to 10L?

from 2.25L

 

[kiran kumar]

Per month spending on Millennia?
How much time did you use it ?
Any account with hdfc ?

Per month spending on average is around 45k, did 2 major transactions worth 2L each few months ago and have been using it close to a year. Yes, I have a salary account them.

 

[CMGCMG is verified member.]

Per month spending on average is around 45k, did 2 major transactions worth 2L each few months ago and have been using it close to a year. Yes, I have a salary account them.

What is your salary pm?

 

[TechnoFinoTechnoFino is verified member.]

Great portfolio btw how many Amex cards in India one can hold both cc and charge cards together I heard 2 cc and 1 charge card but I am able to see ppl hold 4!
I currently hold smart earn and planning to take mrcc once referral programs start and long run wish for gold charge too
Advice or suggestions pls
TIA

yes... 3 cards (normal case) but exceptions
you can easily hold MRCC gold charge and smartearn

 

[emadiqbalali]

Let me also share my portfolio