💳 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

 

[Dude]

My list of cards

* AXIS MAGNUS CREDIT CARD
* ICICI AMAZONPAY CARD
* ZOMATO EDITION CARD
* KOTAK WHITE CARD
* HDFC DINERS PRIVILEGE

 

[anirban.choudhuryanirban.choudhury is verified member.]

Attaching my portfolio
Added
Amex Gold charge in the portfolio awaiting delivery

Limits sorted low to high

Idfc first classic 57000
slice 60000
Sbi prime 78000
Kotak mojo 132000
Axis 153000
RBL shoprite 189000
Bob eterna 200000
PNB rupay select 200000
IndusInd legend 400000
ICICI 14,70000

 

[sourpai]

Here is the list of cards that I have.

Annual Fees milestones are applicable for
HDFC Infinia metal - 10L
Amex PlatT - 4L (for vouchers and partial fee reversals)
SBI Cashback - 2L
SBI Prime - Annual fees except GST gets reversed mostly (but planning to close)
FK Axis - 2L
MRCC - Free
Select - Free due to axis Burgundy
Yes Exclusive - Kept it since 2018 due to add on PP benefit
Rest are free

Still haven't gone for Axis Magnus, but will rethink in a month's time.
No Vistara infinite also since I am on Vistara gold due to office travel

 

[Rahul92]

W

Here is the list of cards that I have.

Annual Fees milestones are applicable for
HDFC Infinia metal - 10L
Amex PlatT - 4L (for vouchers and partial fee reversals)
SBI Cashback - 2L
SBI Prime - Annual fees except GST gets reversed mostly (but planning to close)
FK Axis - 2L
MRCC - Free
Select - Free due to axis Burgundy
Yes Exclusive - Kept it since 2018 due to add on PP benefit
Rest are free

Still haven't gone for Axis Magnus, but will rethink in a month's time.
No Vistara infinite also since I am on Vistara gold due to office travel

View attachment 7921

Why FD card IDFC wow ?

 

[sourpai]

W
Why FD card IDFC wow ?

Primarily for zero forex markup + 1% rewards. Needed one more card along with Infinia (with GVP) for forex transactions

I also have IDFC savings account so it does matter whether cash is in savings bank acc or in a FD.

 

[codenerd]

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.

How to get BoB Eterna LTF?
How to get ICICI Sapphiro LTF?
How to get AMEX MRCC LTF?

 

[AshishR]

How to get BoB Eterna LTF?
How to get ICICI Sapphiro LTF?
How to get AMEX MRCC LTF?

BOB ETERNA - you can get it ltf if u have high ITR
sapphiro - LTF offer can given as pre approved to savings account holder
Amex mrcc - they had offer LTF offer few yrs ago, now its not available

 

[Akash Topder]

Only a few but here I go
1. Onecard Secured - 13.2k LTF
2. ICICI Mine unsecured - 40k LTF
3. SBI Simplyclick - 56k
4. HDFC Millennia - 1.62L LTF
5. SBI Cashback - 10k
6. Axis Flipkart - 15k

 

[Rahul92]

Primarily for zero forex markup + 1% rewards. Needed one more card along with Infinia (with GVP) for forex transactions

I also have IDFC savings account so it does matter whether cash is in savings bank acc or in a FD.

In cibil , how does it show , secured or unsecured ? Do they show limit ?

 

[Altamash06]

HDFC DCB 5.37 LAC
APAY ICICI 5 LAC
SCB MANHATTAN & SMART 3.33 LAC
SBI SIMPLYCLICK 2.24 LAC
SBI PAYTM 1.02 LAC
SBI CASHBACK 1.96 LAC
AXIS ACE MAGNUS PRIVILEGE 3 LAC
RBL ZOMATO & SUPERCARD 2.50 LAC
ONECARD 4.30 LAC
IDFC MILLENNIA 80K

 

[codenerd]

ICIC AmazonPay - 2.80 Lakhs (LTF)
Amex Smart Earn - 1.88 lakhs (40k annual spend to get fee waiver which is very easy to achieve via paytm wallet load of 4k monthly)
IDFC Select - 3.5 lakhs (LTF)

 

[sourpai]

In cibil , how does it show , secured or unsecured ? Do they show limit ?

It is shown as regular credit card only and limit is shown. Only credit card where limit is not shown in CIBIL report in my case is HDFC

 

[Rahul92]

It is shown as regular credit card only and limit is shown. Only credit card where limit is not shown in CIBIL report in my case is HDFC

Had an Axis secured card once where limit was not shown

 

[pandyag]

HDFC DinersBlack - 7.39 lakhs(ltf)
ICICI AmazonPay - 5 lakhs(ltf)
RBL Zomato Edition - 2.5 lakhs(ltf)
AXIS Airtel - 1.5 lakhs

 

[sv004]

It is shown as regular credit card only and limit is shown. Only credit card where limit is not shown in CIBIL report in my case is HDFC

Hdfc doesnt share credit limit with cibil.

 

[masumshah59]

Here is the list of cards that I have.

Annual Fees milestones are applicable for
HDFC Infinia metal - 10L
Amex PlatT - 4L (for vouchers and partial fee reversals)
SBI Cashback - 2L
SBI Prime - Annual fees except GST gets reversed mostly (but planning to close)
FK Axis - 2L
MRCC - Free
Select - Free due to axis Burgundy
Yes Exclusive - Kept it since 2018 due to add on PP benefit
Rest are free

Still haven't gone for Axis Magnus, but will rethink in a month's time.
No Vistara infinite also since I am on Vistara gold due to office travel

View attachment 7921

SBI Prime fees gets reversed? How?
Please guide

 

[sourpai]

SBI Prime fees gets reversed? How?
Please guide

I usually call them saying that I want to close card since fees is high.

In case if spends are more than 1L, then they add 12000 points to the account, which is equivalent to statement credit of 3K. However, GST on 3K annual fees is not reversed and redemption charges of 118 are levied

 

[masumshah59]

I usually call them saying that I want to close card since fees is high.

In case if spends are more than 1L, then they add 12000 points to the account, which is equivalent to statement credit of 3K. However, GST on 3K annual fees is not reversed and redemption charges of 118 are levied

Understood. Thanks. I will try it this time.

 

[Divyank gulabani]

With classic u take a good value FD and another 3 months u will get offers for LTF.
Thats the method i tried with savings max and got regalia LTF

Hey I have regalia first LTF and hold preferred account with them but the limit on my card is just 82k and card age is 5Y10M but haven’t got any upgrade offer or any LE offer what should I do ?

 

[Divyank gulabani]

HDFC has never been that kind to me ....

But this time I requested my RM to do it ... he just called me 2 days back saying .... in 5-7 days .. card should be delivered.

LTF ?