💳 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

 

[souvikdey2002]

Oh man, this is some next lebel play... I guess we can do this for other banks too, just somehow get the agents to commit for LTF in calls/mails before approval, and then use that XD
A high risk, high rewards game

Yes right but being consistent is the key factor.

 

[anonymuos]

There's also a problem of awareness about RBI rules. Not every rule and condition is known to us in detail and card issuers take full advantage of that.

 

[souvikdey2002]

Yes, in my case it was just opposite.
I, actually we(A group of people) know RBI rules in details, therefore no financial institution can run away from us, rather they had to pay the prize if they did some mistakes.

So basically you can say we are hunting those hunters.

There's also a problem of awareness about RBI rules. Not every rule and condition is known to us in detail and card issuers take full advantage of that.

 

[rg8605384]

Yes, in my case it was just opposite.
I, actually we(A group of people) know RBI rules in details, therefore no financial institution can run away from us, rather they had to pay the prize if they did some mistakes.

So basically you can say we are hunting those hunters.

Can you please create a post sharing how we can lean more about RBI rule or share a link if a post already exists.

 

[souvikdey2002]

You got Elite as LTF that too with just 1L credit limit. First time saw someone with less credit limit and holding LTF. How did you get this LTF?

Credit Limit doesn't matter to me since it keeps on increasing if you use the card. What matters is the Pricing which was well explained by @AllSeeker I believe.

 

[souvikdey2002]

What's the story of Indulge any false promise or other way?

No it was a kind of good relationships, escalations, appreciation all together.

 

[souvikdey2002]

Can you please create a post sharing how we can lean more about RBI rule or share a link if a post already exists.

I'm sorry but that's not possible because every case is unique.
Which rule is applicable to me, might not be applicable to you so I hope you understood.

 

[anirban.choudhury]

Added below cards to portfolio
Yes First exclusive - LTF
Rbl world safari - LTF
Stanc Ultimate
HDFC dcp - Addon ( wife got one LTF from alumini program )

Updated Portfolio

ICICI Sapphiro - LTF - 23.7 lakhs
ICICI Apay - LTF - 14.7 ( shared limit )
Icici MMT signature - 9 lakhs ( shared limit )
Axis Magnus - 10 lakhs
Axis select - 2 lakhs ( shared )
Axis FK - LTF - 2 lakhs ( shared )
Indus Ind legend - LTF - 9 lakhs
Bob eterna - 5 lakhs ( not sure whether it’s LTF or not )
YFE - LTF - 7 lakhs
Idfc select -LTF - 2.14 lakhs
Kotak zen signature - 12 lakhs
Sbi prime - 1.89 lakhs
PNB Rupay Select - 8 lakhs
Rbl world safari - LTF - 7 lakhs
Federal celesta - FYF - 7 lakhs
Stanc Ultimate - 9 lakhs
HSBC visa - LTF - 4 lakhs
Amex Gold charge
HDFC DCP ( Addon ) - LTF - 4 lakhs

Awaiting Delivery
Idbi euphoria

Targeted cards for next quarter
AU zenith or anything LTF
HDFC DCB/Infinia
ICICI emirates skywards emeralde if given LTF
LTF/FYF upgrade to Kotak white
Amex Plat charge ( waiting for upgrade offer with 1.25 lakhs MR )
May be axis reserve if given FYF

 

[xiddy]

Yes First exclusive - LTF

How and when did you get this? I was recently told by two yes bank branches that their cards are no longer available as LTF.

 

[anirban.choudhury]

How and when did you get this? I was recently told by two yes bank branches that their cards are no longer available as LTF.

Just got it delivered today , card was offered by my RM , May be because I have a savings account with them which had around 6 to 8 lakhs since last 6-7 months

But I was also getting calls for LTF yea first prosperity cards

 

[kkk]

Added below cards to portfolio
Yes First exclusive - LTF
Rbl world safari - LTF
Stanc Ultimate
HDFC dcp - Addon ( wife got one LTF from alumini program )

Updated Portfolio

ICICI Sapphiro - LTF - 23.7 lakhs
ICICI Apay - LTF - 14.7 ( shared limit )
Icici MMT signature - 9 lakhs ( shared limit )
Axis Magnus - 10 lakhs
Axis select - 2 lakhs ( shared )
Axis FK - LTF - 2 lakhs ( shared )
Indus Ind legend - LTF - 9 lakhs
Bob eterna - 5 lakhs ( not sure whether it’s LTF or not )
YFE - LTF - 7 lakhs
Idfc select -LTF - 2.14 lakhs
Kotak zen signature - 12 lakhs
Sbi prime - 1.89 lakhs
PNB Rupay Select - 8 lakhs
Rbl world safari - LTF - 7 lakhs
Federal celesta - FYF - 7 lakhs
Stanc Ultimate - 9 lakhs
HSBC visa - LTF - 4 lakhs
Amex Gold charge
HDFC DCP ( Addon ) - LTF - 4 lakhs

Awaiting Delivery
Idbi euphoria

Targeted cards for next quarter
AU zenith or anything LTF
HDFC DCB/Infinia
ICICI emirates skywards emeralde if given LTF
LTF/FYF upgrade to Kotak white
Amex Plat charge ( waiting for upgrade offer with 1.25 lakhs MR )
May be axis reserve if given FYF

How did you get RBL World safari LTF?

 

[anirban.choudhury]

How did you get RBL World safari LTF?

I gave a request for closure of my shoprite card , as a retention they offered FYF world safari with 5000 RP, I escalated couple of times finally offered LTF with 5000 travel points, they also gave an LE of 3x

 

[anirban.choudhury]

I gave a request for closure of my shoprite card , as a retention they offered FYF world safari with 5000 RP, I escalated couple of times finally offered LTF with 5000 travel points, they also gave an LE of 3x

My shoprite was LTF

 

[souvikdey2002]

I gave a request for closure of my shoprite card , as a retention they offered FYF world safari with 5000 RP, I escalated couple of times finally offered LTF with 5000 travel points, they also gave an LE of 3x

Your spending must be very high

 

[souvikdey2002]

Added below cards to portfolio
Yes First exclusive - LTF
Rbl world safari - LTF
Stanc Ultimate
HDFC dcp - Addon ( wife got one LTF from alumini program )

Updated Portfolio

ICICI Sapphiro - LTF - 23.7 lakhs
ICICI Apay - LTF - 14.7 ( shared limit )
Icici MMT signature - 9 lakhs ( shared limit )
Axis Magnus - 10 lakhs
Axis select - 2 lakhs ( shared )
Axis FK - LTF - 2 lakhs ( shared )
Indus Ind legend - LTF - 9 lakhs
Bob eterna - 5 lakhs ( not sure whether it’s LTF or not )
YFE - LTF - 7 lakhs
Idfc select -LTF - 2.14 lakhs
Kotak zen signature - 12 lakhs
Sbi prime - 1.89 lakhs
PNB Rupay Select - 8 lakhs
Rbl world safari - LTF - 7 lakhs
Federal celesta - FYF - 7 lakhs
Stanc Ultimate - 9 lakhs
HSBC visa - LTF - 4 lakhs
Amex Gold charge
HDFC DCP ( Addon ) - LTF - 4 lakhs

Awaiting Delivery
Idbi euphoria

Targeted cards for next quarter
AU zenith or anything LTF
HDFC DCB/Infinia
ICICI emirates skywards emeralde if given LTF
LTF/FYF upgrade to Kotak white
Amex Plat charge ( waiting for upgrade offer with 1.25 lakhs MR )
May be axis reserve if given FYF

Your limits are simply out of the world!!

 

[anirbanm]

Your limits are simply out of the world!!

The one which struck me most was 8L @ PNB

 

[Rahul92]

Added below cards to portfolio
Yes First exclusive - LTF
Rbl world safari - LTF
Stanc Ultimate
HDFC dcp - Addon ( wife got one LTF from alumini program )

Updated Portfolio

ICICI Sapphiro - LTF - 23.7 lakhs
ICICI Apay - LTF - 14.7 ( shared limit )
Icici MMT signature - 9 lakhs ( shared limit )
Axis Magnus - 10 lakhs
Axis select - 2 lakhs ( shared )
Axis FK - LTF - 2 lakhs ( shared )
Indus Ind legend - LTF - 9 lakhs
Bob eterna - 5 lakhs ( not sure whether it’s LTF or not )
YFE - LTF - 7 lakhs
Idfc select -LTF - 2.14 lakhs
Kotak zen signature - 12 lakhs
Sbi prime - 1.89 lakhs
PNB Rupay Select - 8 lakhs
Rbl world safari - LTF - 7 lakhs
Federal celesta - FYF - 7 lakhs
Stanc Ultimate - 9 lakhs
HSBC visa - LTF - 4 lakhs
Amex Gold charge
HDFC DCP ( Addon ) - LTF - 4 lakhs

Awaiting Delivery
Idbi euphoria

Targeted cards for next quarter
AU zenith or anything LTF
HDFC DCB/Infinia
ICICI emirates skywards emeralde if given LTF
LTF/FYF upgrade to Kotak white
Amex Plat charge ( waiting for upgrade offer with 1.25 lakhs MR )
May be axis reserve if given FYF

Please enlighten on how you got -
Federal card
idbi card.

Any previous relation ?

 

[anirban.choudhury]

Please enlighten on how you got -
Federal card
idbi card.

Any previous relation ?

Savings account , was offered from bank

 

[anirban.choudhury]

The one which struck me most was 8L @ PNB

Initially got it with limit of 4 lakhs , from pnb genie raised a request for LE , by mistake I selected 8 lakhs instead their max limit selection of 10 lakhs ,

Then in mail i forwarded my salary slips , account statement and other bank Cc , within 15 days got approved also there was a Cibil hit

 

[Hisoka]

Here’s my small Credit card portfolio
My Favourite cards are
1. Axis Vistara Signature (FYF)
2. Axis Ace (FYF)
3. Amex MRCC (FYF)
4. HDFC Millenia (LTF)

Magnus just got today. Leaving only SBI Cashback now

Bonus: OneCard (most premium and most useless)