💳 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

 

[AsB]

No idea. Bank agent called and told me that I have a pre-approved offer based on my Transactions. I don't do much transactions from SBI account other than Investments and all.
I told her that I already have 1 card from SBI. She said, she already knows that and even stated the name of the variant (BPCL) and that I am eligible for a second card. She was offering me cards like SBI Prime, IRCTC platinum and all. But I said, if I can get SBI Cashback. She said that can be done instantly as well. No need to even fill up forms. For a higher variant like Prime and all, they will require pay slip (company name is already there with them from CKYC)
I am not sure, if I should take the card. So, I have not yet applied.

I had bought a TV on EMI, shortly before the start of the Festival Sale, for a family member , so that may be the case. Not sure.

 

[federer.reddevil]

Kotak League - 20k
BoB Easy - 25k
Yes Bank Finbooster - 40k
SBI SimplyClick - 500 - 55k
IndusInd Legend - 60k
OneCard BoB - 65k
RBL Supercard - 69k
RBL Zomato - 69k
Axis Flipkart LTF - 69k
Axis IndianOil LTF - 25k
Axis MyZone LTF - 69k
ICICI MMT - 5.1L
ICICI Amazon Pay - 5.1L

Any chance of increasing any card limits using ICICI MMT card

How to increase Axis IndianOil CC limit to match other Axis cards?

 

[AmitMishra]

Kotak League - 20k
BoB Easy - 25k
Yes Bank Finbooster - 40k
SBI SimplyClick - 500 - 55k
IndusInd Legend - 60k
OneCard BoB - 65k
RBL Supercard - 69k
RBL Zomato - 69k
Axis Flipkart LTF - 69k
Axis IndianOil LTF - 25k
Axis MyZone LTF - 69k
ICICI MMT - 5.1L
ICICI Amazon Pay - 5.1L

Any chance of increasing any card limits using ICICI MMT card

How to increase Axis IndianOil CC limit to match other Axis cards?

For Axis - call customer care and match one card limit with other card limit which has higher limit

 

[federer.reddevil]

For Axis - call customer care and match one card limit with other card limit which has higher limit

Thanks will do the same

 

[yolofino]

why do you have au banks annunal fee card, they give ltf to anyone these days

better close it and reapply after 3-6 months, its not worth holding as paid card

I successfully got my paid AU bank card converted to LTF.

 

[yolofino]

Credit Card	Limit	Cost
HDFC Regalia (Rupay)	5,70,000	LTF
ICICI Amazon Pay	4,90,000	LTF
ICICI Platinum	4,90,000	LTF
SBI IRCTC (Rupay)	1,68,000	300 + GST. Reversed on spends above 1 lakh
SBI SimplyClick	70,000	500 + GST. Reversed on spends above 1 lakh
Axis Freecharge Plus	1,00,000	350 + GST. Reversed on spends above 50,000
AU Altura Plus	90,000	No annual fee if spends above 1 lakh
BoB Premier (Rupay)	75,000	LTF
Citi Rewards	60,000	No annual fee if spends above 30,000
OneCard (Federal) metal	3,30,000	LTF
IDFC First Select	3,50,000	LTF

Here's my small portfolio.

Of these, 5 cards were acquired this year.

Updated portfolio -

Credit card	Limit	Cost
HDFC Regalia (Rupay)	5,70,000	LTF
ICICI Amazon Pay	4,90,000	LTF
ICICI Platinum	4,90,000	LTF
BoB Premier (Rupay)	75,000	LTF
IDFC First Select	3,50,000	LTF
OneCard Federal (metal)	3,30,000	LTF
AU bank Altura Plus	90,000	LTF
RBL Zomato	2,50,000	LTF
Axis Indian Oil (Rupay)	3,75,000	LTF
Axis Freecharge Plus	1,00,000	350 + GST. Reversed on spends above 50,000
SBI IRCTC (Rupay)	10,000	300 + GST. Reversed on spends above 1 lakh
SBI Simplyclick	2,28,000	500 + GST. Reversed on spends above 1 lakh
Citi Rewards	60,000	No annual fee if spends above 30,000
Yes bank Finbooster	3,64,000	LTF. Have asked to disable CreditStrong which costs money from 2nd year.

Which one shall I close? I'll wait for Citi to be converted to an LTF card of Axis, otherwise I'll take a call then.

Yes bank - I will close if they don't cancel the CreditStrong subscription.

SBI IRCTC Rupay - I'll ask them to make it LTF. If they don't I'll close the Simplyclick one later on as it's getting devalued from 1st Jan.

Besides the above, my wife has the following cards -

Credit Card	Limit	Cost
HDFC Business Moneyback	50,000	LTF
IDFC First Classic	48,000	LTF
Axis Airtel	24,000	500 + GST. Reversed on annual spends on 2 lakh
Axis Airtel (in her brother's name)	35,000	500 + GST. Reversed on annual spends on 2 lakh

Will close the Axis Airtel cards if 2 lakh spends are not met by the anniversary month.

 

[er.jaisingh]

CARD	CONDITION/FEES	LIMIT	Remarks
One Card BOB	LTF	220000
Axis Flipkart	LTF	65000	recently LE
ICICI amazon pay	LTF	220000
RBL Zomato Edition	LTF	152000
CITI Indian Oil	1000+tax, after 30k free	93000
SBI simply Click	500+tax, after 1 lac free	55000
SBI Cashback	first Year free, 1000+ tax,after 2 lac free	88000
Hdfc Millenia	LTF	106000
IDFC Millenia	LTF	96000
IndusIand Platinum	LTF	132000
Kotak dream different	Secured, LTF	12000	Closed

 

[NarendraMsuthar]

Kotak League - 20k
BoB Easy - 25k
Yes Bank Finbooster - 40k
SBI SimplyClick - 500 - 55k
IndusInd Legend - 60k
OneCard BoB - 65k
RBL Supercard - 69k
RBL Zomato - 69k
Axis Flipkart LTF - 69k
Axis IndianOil LTF - 25k
Axis MyZone LTF - 69k
ICICI MMT - 5.1L
ICICI Amazon Pay - 5.1L

Any chance of increasing any card limits using ICICI MMT card

How to increase Axis IndianOil CC limit to match other Axis cards?

how do you manage annual fee

 

[vish23]

CARD	CONDITION/FEES	LIMIT	Remarks
HDFC Infinia	LTF	1000000	Got during HDFC Card ban period
Axis Magnus	10k/year	500000

 

[ankitshukla]

Let me share my latest portfolio.
View attachment 18

Do you have BNPL card like uni, slice???

 

[TechnoFinoTechnoFino is verified member.]

Do you have BNPL card like uni, slice???

No, I don't have any bnpl and I do not recommend bnpl to anyone

 

[Rahul92]

Do you have BNPL card like uni, slice???

They are all closed now anyways.

 

[Wealth is my birth right!]

They are all closed now anyways.

Still this MobiKwik Ola and Amaz paylater services making us hindrance during checkouts lol

 

[Rahul92]

Still this MobiKwik Ola and Amaz paylater services making us hindrance during checkouts lol

Talking about BNPL cards , as op asked .

 

[tatmb]

Card	limit	Months old
coral icici	240000	24
amazon icici	100000	18
axis flipkart	74000	14
sbi bpcl	120000	13
Onecard	360000	8
EazyDiner Indusind	300000	5
Zomato rbl	201000	5
Sbi cashback	71000	2
Au lit	360000	1
Axis vistara Signature	216000	1
Amex Gold Charge		1
Amex MRCC	50000	1

 

[Kartik155555]

Thanks will do the same

Please do let us know about the progress...was it done in one go and if not then what's the status.

 

[federer.reddevil]

Please do let us know about the progress...was it done in one go and if not then what's the status.

Nope I called they said they cant match the limit and to wait till I get LE offer on the card

 

[CMGCMG is verified member.]

Nope I called they said they cant match the limit and to wait till I get LE offer on the card

Both cards older than 6 months?

 

[federer.reddevil]

Both cards older than 6 months?

Yes original card 69k limit 14 months old card with 25k limit 9 months old

 

[ashwinsid]

After holding HDFC credit card as the only card for over 15 years (Gold > Titanium > Regalia > DCB) I wanted to upgrade to Infinia this year but was declined. It was then I came across 'credit card community' and Technofino. Realized I was under a rock assuming one card is enough and too many cards is bad etc etc. Eventually got the Infinia and then I explored various available cards and applied for few which I felt will help my use case.

By next year will probably consolidate and close Infinia and stick with Magnus + Amex & get Amex Platinum Travel, as I do not have the patience, skill to track various cards and utilize benefits.

Card	Fees	Limit
HDFC Infinia	FYF	9,68,000​
Axis MyZone	LTF	50,000​
IDFC First Wealth	LTF	9,68,000​
IndusInd Legend	LTF	3,28,000​
Amex MRCC	FYF	3,50,000​
ICICI Amazonpay	LTF	5,00,000​
Citi Rewards	LTF	2,20,000​
Axis Magnus	10k	9,68,000

* Had received BOB Eterna on the day when they devalued it. Did not activate it and let it get closed on its own.