💳 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

 

[prc1990]

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)

Axis is offering ACE FYF now? Which channel?

 

[Hisoka]

Axis is offering ACE FYF now? Which channel?

FYF as in spend 10k in 45 days to get joining fees reversal. So technically FYF. This is welcome benefit of Axis ACE

 

[prc1990]

FYF as in spend 10k in 45 days to get joining fees reversal. So technically FYF. This is welcome benefit of Axis ACE

Applied recently? Through which channel?

 

[Hisoka]

Applied recently? Through which channel?

No I applied in August last year. I just went to bank and asked for Ace card, they initially said that it’s no longer issued but I insured them to check with their executive. They said it’ll be processed and it got issued

 

[aswathsm]

My plastic collection

1. SBI Club Vistara Prime (Paid) - 110K Limit
2. ICICI Amazon Pay (LTF) - 240K Limit

Not into race of getting many cards but constantly hunting the niche rewarding perfect card.
Targeting to get Axis Atlas or Magnus this year along with SBI cash back. Will wait what's new this year from HDFC and Axis.

 

[HazelBlotch]

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

Why Idbi euphoria?

 

[anirban.choudhury]

Why Idbi euphoria?

Got it LTF from bank . Always as per my knowledge it has unlimited domestic lounge access

 

[Pr@k]

Got it LTF from bank . Always as per my knowledge it has unlimited domestic lounge access

Question though is which card are you using the most and which is in your view the best service

 

[AsB]

I wanted to wait till I have some decent cards. When this thread was started, I only had one card. So, I had nothing to brag. Now , I have a few. But, most limits are miserable.

Card I own :-
Amazon Pay ICICI VISA (LTF) : Rs 2,00,000 /- (Use it mostly on Amazon)
Axis MyZone VISA (LTF) : Rs 69,000/- (LE recently)
Axis Ace VISA (499/499) : Rs 25,000/- (applied on 11 Nov 2022, card got approved on 12 Nov 2022) (Will use it where RuPay is not accepted or when Axis Bank has instant discount offers) (will close soon)
SBI BPCL VISA (500/500) : Rs 82,000/-
HDFC Moneyback+ RuPay (LTF) : Rs 78,000/- (LE recently. Primary Card. I use it almost everywhere, unless RuPay is not accepted)
BOB Premier RuPay (LTF) : Rs 35,000/- (Mostly for bill payments)
RBL Bank Zomato Edition VISA (LTF) : Rs 1,97,000/- (This card has become history for me, after the recent devaluation. However, this card is very dear, because I got introduced to Technofino Community while trying to get this card )

UPDATE :- Added 2 more cards
ICICI HPCL Coral VISA Card(LTF): Rs 80,000 - RM didn't give me Coral Rupay, even when my salary criteria was meeting. So, I opted for this one.
IDFC First Millenia Card(LTF) : Rs 1,35,000/- (Got this pre-approved after 3 months of closing IDFC First Bank account)

Update 1 :- Added 3 more cards
AU Vetta VISA Card (LTF) : Rs 2,00,000 /-
HSBC VISA Platinum Card (LTF) : Rs 50,000 /- (People from HSBC and StanC were like "distributing" cards in our office in Bangalore. I was shocked that only 4-5 applied for Credit Cards. I wanted to go for StanC as well, but there was no LTF cards.

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Cards I closed :-
BOB Easy VISA (LTF) : Rs 35,000 /-
HDFC Moneyback + VISA (LTF) : Rs 60,000/-
Axis Flipkart VISA (500/500) : Rs 25,000/- --> Card was given to me using false promises
SBI Simply Click VISA (500/500) : Rs 82,000 /-
ICICI Platinum Chip VISA (LTF) Secured Card : Rs 13,500/- --> My first true card
ICICI Platinum Chip VISA (LTF) Secured Card : Rs 58,500 /-
One Card VISA (LTF) : Rs 11,000 /-

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Cards I want :-
ICICI Non-Cobranded card (LTF) --> I lost a lot of great deals during the Festival sales, because I didn't have this card.
Kotak Non-Cobranded Card (LTF)
AU Bank Card (LTF)
IDFC First Card (LTF) --> Some investors say that this bank has the potential to become the next HDFC Bank. I don't see that potential yet, since I held an account with them for a short period , but, I want this card, just to be safe. Otherwise, they will start monopoly ,if I am wrong.

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Cards I may want :-
SBI Cashback (not sure, if I want this. I have this pre-approved though, with shared limit with other card)
Amex Card (again, not sure , if I want this card. But, I want to keep it as a collection, and to get a glimpse of Amex offers and Amex Customer Support)
Futuristic cards - if they are worthy of my collection

Update on my portfolio
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Cards that I have
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1. Amazon Pay ICICI VISA (LTF) : Rs 2,00,000 /-
2. Axis MyZone VISA (LTF) : Rs 69,000/-
3. SBI BPCL VISA (500/500) : Rs 1,10,000/-
4. HDFC Moneyback+ RuPay (LTF) : Rs 78,000/-
5. BOB Premier RuPay (LTF) : Rs 35,000/-
6. RBL Bank Zomato Edition VISA (LTF) : Rs 2,80,000/-
7. ICICI HPCL Coral VISA (LTF): Rs 80,000 -
8. IDFC First Millenia VISA (LTF) : Rs 1,35,000/-
9. AU Vetta VISA (LTF) : Rs 2,00,000 /-
10. HSBC VISA Platinum (LTF) : Rs 50,000 /-
11. IndusInd Legend VISA (LTF) : Rs 2,20,000 /-
12. Kotak Zen Signature VISA (LTF) : Rs 2,10,000 /-
13. Standard Chartered Platinum Rewards VISA (0/250) : Rs 90,000/-

Cards that I want
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1. AmEx SmartEarn (preferred) or MR
2. SBI Cashback
3. Swiggy Co-branded (only if it's from non-Axis)

• Other futurstic cards, depending on their rewards.

Not planning any Premium or Super Premium Cards for now.

 

[TheTrickySid]

Update on my portfolio
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Cards that I have
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1. Amazon Pay ICICI VISA (LTF) : Rs 2,00,000 /-
2. Axis MyZone VISA (LTF) : Rs 69,000/-
3. SBI BPCL VISA (500/500) : Rs 1,10,000/-
4. HDFC Moneyback+ RuPay (LTF) : Rs 78,000/-
5. BOB Premier RuPay (LTF) : Rs 35,000/-
6. RBL Bank Zomato Edition VISA (LTF) : Rs 2,80,000/-
7. ICICI HPCL Coral VISA (LTF): Rs 80,000 -
8. IDFC First Millenia VISA (LTF) : Rs 1,35,000/-
9. AU Vetta VISA (LTF) : Rs 2,00,000 /-
10. HSBC VISA Platinum (LTF) : Rs 50,000 /-
11. IndusInd Legend VISA (LTF) : Rs 2,20,000 /-
12. Kotak Zen Signature VISA (LTF) : Rs 2,10,000 /-
13. Standard Chartered Platinum Rewards VISA (250/250) : Rs 90,000/-

Cards that I want
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1. AmEx SmartEarn (preferred) or MR
2. SBI Cashback
3. Swiggy Co-branded (only if it's from non-Axis)

• Other futurstic cards, depending on their rewards.

Not planning any Premium or Super Premium Cards for now.

How did you got zen signature LTF??

 

[AsB]

How did you got zen signature LTF??

I had applied for League plat LtF via brach (as I got call). But they gave me a paid card. I escalated , with all proof that I had, of conversation with the bank employee.

Got a call from backend team. I informed that I want Ltf card or no card. He adviced me that I can avail a higher card variant as Ltf. He would request cancellation of my card, and when I get a call from retention team, I "must" answer that call.
Got call from retention team, they were converting the card to Ltf. I asked them if I would get a higher varaint Ltf. They offered Zen signature Ltf. So, I took it.

 

[anirban.choudhury]

How did you got zen signature LTF??

if you escalate a bit Kotak will easily convert your paid zen to LTF. Try raising a closure request . I am 100% sure they will make it LTF with or without spends

 

[anirbanm]

Currently:

Canara - 30K
BoB Select - 50K
Axis Privilege - 50K
Kotak league platinum 60K
HDFC business moneyback - 75K
PNB Rupay platinum - 75K
IDFC classic - 135000
Axis Select - 206000
APay - 250000
AmEx platinum travel - 297000

Tata Neu in process

Most are LTF

Canara 30000 secured
BoB 50000 LTF
Axis Privilege 50000 FYF
Kotak 60000 LTF
HDFC business moneyback 75000
HDFC Neu LTF
PNB Rupay Select 75000 LTF
AmEx MRCC 126000
IDFC classic 135000 LTF
Axis Select 206000 LTF
APay 250000 LTF
AmEx platinum travel 297000

I'll try to post updated pic later
Few more are in process

 

[anirban.choudhury]

Question though is which card are you using the most and which is in your view the best service

Currently as everyone else , I am
Using Magnus the most , just for the accelerated reward points .
My most used card other than Magnus was BOB Eterna and IndusInd Legend . Now world safari will take the spot of legend ( because of 0 forex markup )

 

[Lakshya Mahani]

My Current Portfolio-
ICICI Apay(LTF)- 1.20 lakhs
ICICI MMT platinum (LTF)-1.20 Lakhs
Kotak League(LTF)-30K
Onecard(LTF)-20K
RBL Zomato(LTF)-52K
HDFC Millennia (LTF)- 1 Lakh
Axis MyZone(LTF)- 1 Lakh
Axis Neo(250Rs,will try to make it LTF, else will close it)- 1 Lakh
Any suggestions for LTF cards are welcome 🙂

 

[axb]

My Portfolio

Amex MRCC
Amex Platinum Travel
ICICI Platinum LTF
ICICI Amazon Pay LTF
Axis Airtel
Axis Flipkart LTF
SBI cashback
IDFC Select LTF

Trying for Stanc Ultimate next

 

[drshenoy]

received Axis Magnus after HDFC infina & Kotak White reserve CC

 

[Subhajeet]

Here is the small list of my card.

• HDFC DCB (LTF)
• HDFC Infinia (LTF)
• HDFC Tata Neu Infinity (LTF)
• Amex MRCC (LTF)
• Yes Bank First Exclusive (LTF)
• ICICI Platinum (Secured / LTF)
• ICICI Amazon Pay (LTF)
• ICICI Sapphiro (LTF)
• IDFC Wealth (LTF)
• IDFC WOW (Secured / 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)
• PNB Rupay Select (500/yr)
• Union Bank Rupay JCB Select Wellness (999/yr)
• Citi Paytm First (500/yr)
• Axis Flipkart (500/yr)
• SBI Simply Click (500/yr)
• StanC Ultimate (5000/yr)

Happy to help.

how u got infinia ltd please what's the hack

 

[Saif77]

My Current portfolio after 1 year from 1st CC.

1. HDFC MoneyBack - LTF - 75k Limit
2. ICICI Coral Card - LTF - 2.8L Limit
3. Apay Card - LTF - 2.8L Limit
4.Axis IOCL - LTF - 30k Limit
5.Axis Flipkart - Paid - 30k Limit
6.BOB Easy - LTF - 20k Limit
7. SBI Pulse - PAID - 1L Limit
8. Tata Neu Plus - LTF - 75k Limit.

 

[emadiqbalali]

I started with Kotak 811 Secured Credit Card and used it for 11 months till December 2021. After that, I kept adding cards while most of them are in the end of 2022. Also, I just turned 22, 2 days ago i.e, to tell you that if you have good score and history, getting cards isn't a big deal.

1. OneCard (IDFC earlier, BOB now) - 1.6L (LTF)
2. ICICI Amazon Pay - 4.2L (LTF)
3. ICICI MMT Platinum - 1.6L (LTF)
4. Axis Bank Flipkart - 1L (LTF)
5. Axis Bank ACE - 1.6L (500/yr)
6. Axis Bank Privilege - 80K (1500/yr)
7. SBI Prime - 1.12L (3000/yr) SBI Simply Click - 1.12L (500/yr) (Downgraded).
8. RBL Zomato Edition - 2.07L (LTF) - RBL Shoprite - 2.07L (LTF) (Discontinued).
9. Amex MRCC - 2.3L (1500/yr)
10. Yes Bank Prosperity Edge - 1.11L (399/yr)
11. HDFC Money Back+ - 40K (LTF) HDFC Millennia - 1L (FYF) (Upgraded).
12. IDFC Millennia - 80K (LTF) (Closed)
13. IndusInd Platinum - 30K (LTF) IndusInd Legend - 1.03L (LTF) (Upgraded).
14. Kotak PVR Gold - 5L (500/yr)

Currently in process in HSBC Platinum, which might approve.

Update:

15. HSBC Platinum - 1.13L (LTF)
16. Standard Chartered Platinum Rewards - 1.6L (LTF)
17. Axis Magnus - 4.2L (10K/yr)
18. ICICI Platinum - 4.2L (LTF)
19. AU SFB Xcite ACE - 6.3L (LTF)
20. HDFC Tata Neu Infinity Rupay - 1L (LTF)

Total Cards: 18
Total Limit: 33.6L