💳 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

 

[ManasG]

If it gives way to next year emerald then take it anyway it’s ltf

Is there a way they may give me an Emerald if I meet their salary criteria (30LPA or 3LPM)? The offer is also showing on iMobile and it will only require me to accept the Sapphiro card. But I don't know if there's a chance I'll get an Emerald later if I accept this offer.

 

[hks789]

Got a call from my ICICI home branch for a Sapphiro LTF. I earlier had a Rubyx LTF which I cancelled owing to the poor rewards system and their unwillingness to give me an LTF Sapphiro. And lo and behold, they call me a month later to now offer a fresh Sapphiro LTF. I am skipping on it due to the poor benefits compared to my HDFC Infinia + SBI Cashback combo that I currently use. I hope I did the right thing?🙄

Do you have Amazon ICICI card?

 

[ManasG]

Do you have Amazon ICICI card?

Not, currently or in the past.

 

[basant]

i have idfc classic as oldest credit card. now i have many other cards. will closing oldest card impact cibil very much or less.
idfc not upgrading card so want to close and then apply later c2c as i have other bank cards with 7 lakh limit

 

[Wealth is my birth right!]

Is there a way they may give me an Emerald if I meet their salary criteria (30LPA or 3LPM)? The offer is also showing on iMobile and it will only require me to accept the Sapphiro card. But I don't know if there's a chance I'll get an Emerald later if I accept this offer.

I got stranded with ltf coral no LE no card upgrades so in my opinion saphiro take it pls

 

[hks789]

I got stranded with ltf coral no LE no card upgrades so in my opinion saphiro take it pls

I am stuck with LTF Platinum 🥲.
I have Amazon ICICI btw.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Is there a way they may give me an Emerald if I meet their salary criteria (30LPA or 3LPM)? The offer is also showing on iMobile and it will only require me to accept the Sapphiro card. But I don't know if there's a chance I'll get an Emerald later if I accept this offer.

Emeralde LTF on a salary of 20 L per month
😀

 

[anirban.choudhuryanirban.choudhury is verified member.]

Got a call from my ICICI home branch for a Sapphiro LTF. I earlier had a Rubyx LTF which I cancelled owing to the poor rewards system and their unwillingness to give me an LTF Sapphiro. And lo and behold, they call me a month later to now offer a fresh Sapphiro LTF. I am skipping on it due to the poor benefits compared to my HDFC Infinia + SBI Cashback combo that I currently use. I hope I did the right thing?🙄

Edited-
You should have taken it LTF
Infinia as I know gives Priority pass , where as Sapphiro would have given DF which comes with 1 Spa access I guess and also a variety in lounge access as to PP
Also to add , ICICI very rarely provides LTF upgrades , the upgrade offers are mostly Paid

 

[Wealth is my birth right!]

I am stuck with LTF Platinum 🥲.
I have Amazon ICICI btw.

Yes i too have black horse apay card with shared limit on coral

 

[ManasG]

Edited-
You should have taken it LTF
Infinia as I know gives Priority pass , where as Sapphiro would have given DF which comes with 1 Spa access I guess and also a variety in lounge access as to PP
Also to add , ICICI very rarely provides LTF upgrades , the upgrade offers are mostly Paid

Say if I do accept the Sapphiro LTF, which by the way they are giving me with a meagre 3L credit limit, what should be my strategy for an Emeralde LTF? I can understand if it's too much to answer on this thread. 🙂 P.S.- ICICI is no longer my primary bank account and I only have a home loan with them currently.

 

[anirban.choudhuryanirban.choudhury is verified member.]

You should have taken it LTF
Infinia as I know gives Priority pass , where as Sapphiro would have given DF which comes with 1 Spa access I guess and also a variety in lounge access as to PP

Say if I do accept the Sapphiro LTF, which by the way they are giving me with a meagre 3L credit limit, what should be my strategy for an Emeralde LTF? I can understand if it's too much to answer on this thread. 🙂 P.S.- ICICI is no longer my primary bank account and I only have a home loan with them currently.

Since you don’t have a salary account with them , your best bet would have been to negotiate for LTF emeralde before taking home loan
Apparently below are official criteria for LTF emeralde
35 lakhs auto loan or
5cr home loan or
2cr NRV or
20 lakhs per month salary

Almost all of them are negotiable , it will completely depend upon the negotiation skills

 

[Wealth is my birth right!]

Since you don’t have a salary account with them , your best bet would have been to negotiate for LTF emeralde before taking home loan
Apparently below are official criteria for LTF emeralde
35 lakhs auto loan or
5cr home loan or
2cr NRV or
20 lakhs per month salary

Almost all of them are negotiable , it will completely depend upon the negotiation skills

Bohat bada eligibility ye bhai

 

[anirban.choudhuryanirban.choudhury is verified member.]

Bohat bada eligibility ye bhai

Tabi toh LTF Emeralde market me kam hai 😀

 

[Wealth is my birth right!]

Tabi toh LTF Emeralde market me kam hai 😀

👍
Woh diamanté wala version ambhani Tata keliye kya…

 

[anirban.choudhuryanirban.choudhury is verified member.]

👍
Woh diamanté wala version ambhani Tata keliye kya…

Apparently Yes
Diamant currently is only offered to celebrities and public figures . You can’t get that with NRV requirements .
I tried a lot with NRV commitments also used couple of my top level ICICI sources but , couldn’t get it even Paid

 

[Wealth is my birth right!]

Apparently Yes
Diamant currently is only offered to celebrities and public figures . You can’t get that with NRV requirements .
I tried a lot with NRV commitments also used couple of my top level ICICI sources but , couldn’t get it even Paid

Anyways we feel good to have here an ltf emerald guy👍
My stanC premium with small 15l currently I try to convert 30l priority in this year let’s see how it progresses

 

[RewardsAlert]

Apparently Yes
Diamant currently is only offered to celebrities and public figures . You can’t get that with NRV requirements .
I tried a lot with NRV commitments also used couple of my top level ICICI sources but , couldn’t get it even Paid

In my opinion,
Dear Anirban, you are missing a hidden gem of our Community, who is Mr Sanjeev Singh.
@SPS
He has almost all premium cards from every bank.
Even has ICICI Diamant card as LTF.
Yes you heard it right!
He has gone to the extent of negotiation of Reserve also LTF
Also, he did all this from a tier 2/3 location - Meerut.
Please connect with him, he might guide you as to how he managed to get hold of such premium LTF cards.

 

[0xfallup]

In my opinion,
Dear Anirban, you are missing a hidden gem of our Community, who is Mr Sanjeev Singh.
@SPS
He has almost all premium cards from every bank.
Even has ICICI Diamant card as LTF.
Yes you heard it right!
He has gone to the extent of negotiation of Reserve also LTF
Also, he did all this from a tier 2/3 location - Meerut.
Please connect with him, he might guide you as to how he managed to get hold of such premium LTF cards.

wow it would be great if he share his experience from start to end 🙂

 

[anirban.choudhuryanirban.choudhury is verified member.]

In my opinion,
Dear Anirban, you are missing a hidden gem of our Community, who is Mr Sanjeev Singh.
@SPS
He has almost all premium cards from every bank.
Even has ICICI Diamant card as LTF.
Yes you heard it right!
He has gone to the extent of negotiation of Reserve also LTF
Also, he did all this from a tier 2/3 location - Meerut.
Please connect with him, he might guide you as to how he managed to get hold of such premium LTF cards.

yeah I have connected with him. He has given some insights to me ,
His Diamant was LTF earlier , then he closed it and the current one he has is paid which he is trying to make LTF . He has Reserve & Aurum LTF also Amex cards as LTF.
Reseve was offered LTF to him.

 

[RewardsAlert]

yeah I have connected with him. He has given some insights to me ,
His Diamant was LTF earlier , then he closed it and the current one he has is paid which he is trying to make LTF . He has Reserve & Aurum LTF also Amex cards as LTF.
Reseve was offered LTF to him.

How come they re activated closed LTF Diamant card as Paid. Makes no sense.
Why would someone want to get a free card as paid after some years?
If there is a catch or story behind it. please share
Also how was the initial Diamant provided as LTF.
NRV? Celebrity Status? Exceptional Loan Amount or Business Current a/c?