💳 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]

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

Where do you send that 1 to 2 rs transaction?

 

[SoggypastA]

Where do you send that 1 to 2 rs transaction?

I have only 4 cards most of the time I use for genuine transaction, you can do wallet load, bharatnxt transaction or cc upi etc

 

[Wealth is my birth right!]

yes mine gone to 12 now with recent idfc wealth

i do 100 txn in all LTF cards 3 months once

use case bbdaily milk wallet (MCC retail)

 

[metal_heart]

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

I use only 2-3 cards and rest are only used for bank specific offers (even if its once in 6 months). I have cards which haven't been used over an year.
CIBIL has always stayed in range of 780 - 790 and I really dont care much till it stays above 780.

 

[Enthusiast]

LTF cards:

HDFC Millenia (3.47 L)
HDFC TATA NEU Infinity (3.47 L)
BOB Premier (75K)
IDFC Select (3 L)
ICICI Amazon pay (3.7 L)

Annual charges:

AMEX MRCC (3.5 L) - 1500 Annual
AXIS Privelege (2.75 L) - 1500 Annual

 

[anirbanm]

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

SBI Elite 100000

AmEx MRCC 126000

RBL World Safari 130000 FYF

IDFC classic 135000 LTF

Axis Select 206000 LTF

Axis Atlas 206000

APay 250000 LTF

AmEx platinum travel 297000

Canara 30000 secured

BoB 50000 LTF

Kotak 60000 LTF

HDFC business moneyback 75000 LTF

HDFC Neu LTF

PNB Rupay Select 75000 LTF

SBI Elite 100000

AmEx MRCC 126000 FYF

RBL World Safari 130000 FYF

IDFC classic 135000 LTF

Axis Select 206000 LTF

Axis Atlas 206000

APay 250000 LTF

AmEx platinum travel 297000

 

[anirbanm]

How did you get axis select as LTF?

Axis offered me

 

[anirbanm]

How old is your Canara secured credit card?

I believe I got it in 2021, why?

 

[Enthusiast]

Axis offered me

Are you a Burgundy customer?

 

[neogen]

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?

Yes, pretty much.

For me, Axis Magnus till 1.1 Lac, then between Inifinia and Axis Infinite. Amex is for milestone and bank offers. Rest are strictly for bank offers only on ecom websites.

 

[Credit Karma]

I believe I got it in 2021, why?

Ohh! After reading your portfolio I thought that Canara card must be at least 5+ years old! Bad assumption on my part😂

 

[Wealth is my birth right!]

yes mine gone to 12 now with recent idfc wealth

i do 100 txn in all LTF cards 3 months once

use case bbdaily milk wallet (MCC retail)

 

[RupayMan]

use case bbdaily milk wallet (MCC retail)

Can you explain more on this

 

[Wealth is my birth right!]

Can you explain more on this

Big basket milk subscription I have and I used to load that bb daily wallet from these ltf cards to keep those cards active

 

[aditsam5]

My Portfolio:
ICICI Platinum (LTF) 2L
ICICI Makemytrip Signature (LTF) 2L
Citibank Rewards 1.15L
RBL Zomato edition card (LTF) 1.23 L
IDFC Millenia (LTF) 1.45 L
Indusind Legend (LTF) 1.7L
Axis Neo (LTF) 75K
Amex Smart earn 1.15 L
BOB Premier (LTF) 85K
HDFC Millenia (LTF) 1L
One card Federal Bank (LTF) 1.14 L
Do let me know which one I should apply next.

 

[Astraea]

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 Karma It entirely hinges on which expenses will be prioritized. I intend to allocate the majority of my spending towards HDFC Millennia for rent and utility bills, and Axis MyZone for food expenses. The remaining cards are rarely utilized on a monthly basis.

 

[metal_heart]

I would suggest you convert your AMEX Smart earn to MRCC

Do let me know which one I should apply next.

PS: Use my referral in signature, if you plan to do so.

 

[0xfallup]

ICICI APAY (LTF)/ICICI EXPRESSION (MERGED) : 240K
AU LIT (LTF): 210K
IDFC MILLENIA (LTF): 95K
SBI SIMPLYSAVE (LTF): 48K
HDFC MONEYBACK + (LTF) : 60K
AXIS MYZONE (LTF) : 69K
AXIS ACE : 69K
SBI BPCL OCTANE FYF: 54K

TBH SBI sucks in giving higher limits

any other suggestion which should i apply for?

 

[bdnbje]

finally got all the cards i wanted 😛

 

[John Wick]

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.

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

Benefits of one card metal and how to apply?