💳 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

 

[RupayMan]

Actually wanted to discontinue the card, but SBI support offered it as LTF maybe because i had this card for more than 7 years.

First time hearing SBI doing LTF in their CC..

 

[Unleash]

Is that ur primary card ? What utilization ratio u used to keep ?

Used it as primary card earlier before Jan 23. Most expenses were done through this card, averagely 6k per month sometime even higher when used for online shopping, personal expenses, etc.
Have switched to MRCC now to cover milestones, waiver, etc.

 

[niks]

HDFC Regalia - LTF - 8L
IDFC First Wealth - LTF - 8.25L
Axis Select - FYF - 6.8L
Axis Flipkart - FYF - 3L
Axis Privilege - LTF - 5.75L
ICICI Platinum - LTF - 69k
ICICI Amazon Pay - LTF - 5L
SBI Gold & More - LTF - 3.25L
SBI Cashback - FYF - 20k (Just applied and got virtual card today)
RBL Zomato Classic - LTF - 3.33L
IndusInd Aura Edge Platinum - LTF - 3.6L
Amex MRCC - FYF - 4L
Kotak Legend Platinum - FYF - 50k
Citi Rewards - FYF - 7.8L

Cards Closed in Last 2-3 Years:
Amex Platinum Travel (Replaced with Amex MRCC)
Slice

 

[steiner03]

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

View attachment 22

Your 2nd most used card is One Card? Why?

• HDFC Infinia (1 Year FREE THEN 12k /yr)
• Yes Bank First Exclusive (LTF)
• ICICI MakeMytrip ( LTF)
• ICICI Amazon Pay (LTF)
• ICICI Icici Sapphiro (LTF)
• IDFC SELECT (LTF)
• BOB Premier (500)
• Kotak Royale (LTF)
• IndusInd Iconia(LTF)
• UNI Card (LTF)
• RBL BANK (LTF)
• ONE CARD (LTF)
• Standard Chartered Ultimate (5000/+gst/yr)
• Axis Vistara (LTF)
• Axis Privilige (LTF)
• Axis Flipkart (LTF)
• SBI Octane (1500/yr)
• SBI Simply Click (500/yr)
• SBI Simply Click (500/yr) have 2card downgrade from ELITE as they did nt waive off the fees

How did you get Axis Vistara LTF? I don't think i have ever heard of Axis Vistara LTF.

 

[Sahilmiya]

I'm getting this same error since 3 months on IDFC credit card website, after entering OTP

Anyone know reason / solution?

 

[ayush0010]

Magnus FYF - 10L
AMEX Gold Card
Citi PremierMiles - 6L
HDFC Regalia LTF - 4L
ICICI Platinum/Expressions LTF - 11.4L (shared)
ICICI Amazon Pay LTF - 11.4L
SC Manhattan/DigiSmart LTF - 1.56L (shared)
Citi Cashback - 1.32L
IndusInd Legend LTF - 1.12L
RBL Zomato Edition LTF - 3.23L
SBI SimpliClick - 2.07L
HSBC Platinum LTF - 1.85L
Axis Privilege LTF - 2.7L
Axis Ace LTF - 1.7L
AMEX MRCC LTF - 1.8L
OneCard Metal LTF - 7L
IDFC Millennia LTF - 80k
BOB Premier Rupay LTF - 2L
Kotak League LTF - 5.68L

 

[Wealth is my birth right!]

I'm getting this same error since 3 months on IDFC credit card website, after entering OTP

Anyone know reason / solution?

Try another mobile number and see

 

[Slayer]

First time hearing SBI doing LTF in their CC..

Seen this multiple times in this forum

How did you get Axis Vistara LTF? I don't think i have ever heard of Axis Vistara LTF.

Good question

Maybe average Neo/buzz moment

 

[TheTrickySid]

Magnus FYF - 10L
AMEX Gold Card
Citi PremierMiles - 6L
HDFC Regalia LTF - 4L
ICICI Platinum/Expressions LTF - 11.4L (shared)
ICICI Amazon Pay LTF - 11.4L
SC Manhattan/DigiSmart LTF - 1.56L (shared)
Citi Cashback - 1.32L
IndusInd Legend LTF - 1.12L
RBL Zomato Edition LTF - 3.23L
SBI SimpliClick - 2.07L
HSBC Platinum LTF - 1.85L
Axis Privilege LTF - 2.7L
Axis Ace LTF - 1.7L
AMEX MRCC LTF - 1.8L
OneCard Metal LTF - 7L
IDFC Millennia LTF - 80k
BOB Premier Rupay LTF - 2L
Kotak League LTF - 5.68L

How do you have Ace LTF??

 

[Rahul92]

Seen this multiple times in this forum

Yeah , even I've SBI pulse LTF

 

[ayush0010]

How do you have Ace LTF??

Have Priority family banking with Axis. So, all cards are LTF except Magnus which I got FYF.

 

[Dr-green69]

Me whenever i see someone who have limit in millions

 

[Rahul92]

Have Priority family banking with Axis. So, all cards are LTF except Magnus which I got FYF.

I've Burgundy family banking with axis , still I'm having paid ace. So , what's the way you got it LTF?

 

[ayush0010]

I've Burgundy family banking with axis , still I'm having paid ace. So , what's the way you got it LTF?

Not sure. But I applied it as soon it was launched, maybe they were giving that time.
Or they were just generous enough.
But you should also talk to RM to get it converted to LTF.

 

[Credit Karma]

My folio:
1. HDFC Infinia- FYF- Rs. 8.86 L
2. ICICI Rubyx - LTF- Rs. 8.04 L (now closed)
3. SBI Cashback- FYF- Rs. 3.93 L
4. SBI SimplyClick- LTF - Rs. 44k (CL transferred to Cashback)

My limited portfolio:

- HDFC Infinia - LTF - 19L
- Axis Vistara Infinite (paid - 10K/Year) - 10L
- Axis Magnus (FYF) - 10L
- Amex Platinum Travel - Paid 5K / year - 6L
- SBI SimplyClick (paid - 499/Year) - 5L
- Yes Bank First Exclusive LTF - 12 L

my folio
1. HDFC MONEY BACK PLUS - RS. 50K
2. AXIS BANK
a) axis ace - rs. 1 lakh
b) axis Flipkart - rs. 1 lakh
c) axis privilege - rs. 2 lakh

3. kotak PVR PLATINUM - RS. 105000
4. Hdfc bank regalia business world - rs. 200000 ( add on card by father )
5. ONE CARD by bob financial - Rs. 180000.
6. Slice - 142000
7. indusind platinum visa rs. 30000
8. Amazon pay icici - 5 lakh (father's card)
9 Icici business gold credit card - 150000 ( add on card with father)

Hdfc Infinia (Paid) - 20L
Axis Magnus (Paid) + Axis Myzone (LTF) - 10L
AU Zenith LTF -7.8L
RBL Zomato LTF - 3.2L
Indus Legend LTF - 4L
SBI Octane Paid- 2.6L
SBI Cashback Paid - 2.5L
Citi IndianOil LTF - 4L
PNB Select Paid - 3L
Onecard LTF - 3.8L
Icici Sapphiro LTF - 5L
IDFC Select LTF - 3.29L
IDFC Wow (FD Backed)


Next:
Amex - if LTF only maybe a few yrs down the line

1. Citi rewards LTF - 2.31L
2. SBI simplyclick Paid - 1.50L
3. Standard chartered Ultimate paid - 1.6L
4. HDFC Platinum Intermiles LTF - 7.5L ( will be replaced with Regalia LTF)
5. One card LTF - 3.1L
6. Kotak Zen LTF- 2L
7. IndusInd legend LTF - 5L
8. Airtel Axis paid FYF - 3L
9. Icici Amazon pay LTF - 5.10L

Planning for PNB Rupay select, AU zenith

What other card can I add to my list?

My Portfolio:
1. Slice LTF - 48k (Not a Credit Card) [2018 - 2022]
2. OneCard Fedral Bank LTF- 50k (Accidentally applied for while checking my credit score on the OneScore app) [NOV 2022 - Present]
3. ICICI Amazon Pay LTF - 1L [NOV 2022 - Present]
4. Kotak League Platinum LTF - 16k [JAN 2023 - Present] (I might Close this)
5. HDFC Millennia LTF - 36k [Primary] [FEB 2023 - Present]
6. Axis MyZone LTF - 45k [FEB 2023 - Present]

I am new to credit cards, and my entire credit card portfolio is only four months old excpet Slice Card.

However, I plan to add two more cards by December 2023:
1. AMEX MRCC
2. SBI Cashback

Any suggestions which card to get next!
I'm still unsure and skeptical about completely stopping for new credit cards.

Do you guys use all of your credit cards every month?

I mean I have seen people here with 10+ credit cards and I'm wondering how they find a use for every card every month.

Given that if you don't use a particular CC for a month, bank reports no activity to CIBIL, so how do you guys manage to use all these cards on monthly basis?

 

[RupayMan]

Do you guys use all of your credit cards every month?

I mean I have seen people here with 10+ credit cards and I'm wondering how they find a use for every card every month.

Given that if you don't use a particular CC for a month, bank reports no activity to CIBIL, so how do you guys manage to use all these cards on monthly basis?

Credit cards are not a mandatory subject that CIBIL expect you to use every month, Whenever you use, pay the bill correct on time, that is what improve the score, also we have to use atleast one time per year to stay the card active.

Other fact, many of us using most of the cards on those respective use case, ex, icici amazon pay card only for Amazon, surely going to use, like that all cards destiny is with something every year.

 

[Credit Karma]

Credit cards are not a mandatory subject that CIBIL expect you to use every month, Whenever you use, pay the bill correct on time, that is what improve the score, also we have to use atleast one time per year to stay the card active.

Other fact, many of us using most of the cards on those respective use case, ex, icici amazon pay card only for Amazon, surely going to use, like that all cards destiny is with something every year.

So, is it "perfectly ok" to see that blank column in CIBIL payment history marked as "XXX or Not Reported"?

I mean I freak out if this happens and I only have two cards.

 

[RupayMan]

So, is it "perfectly ok" to see that blank column in CIBIL payment history marked as "XXX or Not Reported"?

I mean I freak out if this happens and I only have two cards.

It's very ok.. goto this thread from first page, you will be amazed with people have more than 20 cards, 10 is common nowadays

 

[SoggypastA]

Make 1-2 ₹ transaction every month on each card and pay after bill generated, CIBIL will reflect more ontime payments

 

[Wealth is my birth right!]

It's very ok.. goto this thread from first page, you will be amazed with people have more than 20 cards, 10 is common nowadays

yes mine gone to 12 now with recent idfc wealth

Make 1-2 ₹ transaction every month on each card and pay after bill generated, CIBIL will reflect more ontime payments

i do 100 txn in all LTF cards 3 months once