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jatinkrmalik

jatinkrmalik

TF Select
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Update: Here's my updated cc portfolio ‼️


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

cards.jpeg
 
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Apply For LTF AU LIT Credit Card
creditcardkakida said:
I couldn't understand why such lust for LTF cards.. it feels and sounds good to have LTF card but by maintaining high NRV with low return like SB a/c balance or other deposit.. it's only beneficial for bank not the customer..
Click to expand...
high NRV can come from investments also. In that case, people with older portfolio can easily match that requirement. Also, LTF is useful for people having multiple cards, who dont want to pay for cards they didn't make much use of, due to not reaching the waiver criteria. Imagine falling short of 10K and then u had to pay 10k only for annual fee.

In all, here its mostly about people trying to stretch their eligibility to get higher variants than they are actually eligible for (as per bank classification). For people who are automatically eligible for cards worth 50K annual fee, wont actually have to worry about shedding 50k for such luxury ;-)
 
ankit_tf said:
high NRV can come from investments also. In that case, people with older portfolio can easily match that requirement. Also, LTF is useful for people having multiple cards, who dont want to pay for cards they didn't make much use of, due to not reaching the waiver criteria. Imagine falling short of 10K and then u had to pay 10k only for annual fee.

In all, here its mostly about people trying to stretch their eligibility to get higher variants than they are actually eligible for (as per bank classification). For people who are automatically eligible for cards worth 50K annual fee, wont actually have to worry about shedding 50k for such luxury ;-)
Click to expand...
True someone with High NRV doesn’t really cares about card fees , they know their usage in card and the benefits will easily overcome the charges .

And for CC collectors like me , I just take any card , I am not a racist 😀
But I do try to get the card as LTF without NRV as I am collecting almost all cards from all banks so can’t be maintaining NRV with all of them right ? Also it doesn’t make sense to pay for annual charges as even though we collect the CC’s the usage is going to be in maximum 2-3 cards , and to be honest I am ok to pay the annual charges for the cards that I am actually going to use.
 
ankit_tf said:
high NRV can come from investments also. In that case, people with older portfolio can easily match that requirement. Also, LTF is useful for people having multiple cards, who dont want to pay for cards they didn't make much use of, due to not reaching the waiver criteria. Imagine falling short of 10K and then u had to pay 10k only for annual fee.

In all, here its mostly about people trying to stretch their eligibility to get higher variants than they are actually eligible for (as per bank classification). For people who are automatically eligible for cards worth 50K annual fee, wont actually have to worry about shedding 50k for such luxury ;-)
Click to expand...
What kind of investment you are referring to... Say icici says you maintain minimum 2 lakh balance in sb
anirban.choudhury said:
True someone with High NRV doesn’t really cares about card fees , they know their usage in card and the benefits will easily overcome the charges .

And for CC collectors like me , I just take any card , I am not a racist 😀
But I do try to get the card as LTF without NRV as I am collecting almost all cards from all banks so can’t be maintaining NRV with all of them right ? Also it doesn’t make sense to pay for annual charges as even though we collect the CC’s the usage is going to be in maximum 2-3 cards , and to be honest I am ok to pay the annual charges for the cards that I am actually going to use.
Click to expand...
Getting card LTF without nrv is always wonderful.. and HNI don't care for little loss(2-3 lakh 🤣🤣) due to money kept in low return deposits.. but for salaried class if bank ask to keep even 2 lakh(although this much won't be sufficient) for card like emerald i will say it's a loss... Average return in a good mutual fund will be much higher than the card fee...
 
creditcardkakida said:
What kind of investment you are referring to... Say icici says you maintain minimum 2 lakh balance in sb
Getting card LTF without nrv is always wonderful.. and HNI don't care for little loss(2-3 lakh 🤣🤣) due to money kept in low return deposits.. but for salaried class if bank ask to keep even 2 lakh(although this much won't be sufficient) for card like emerald i will say it's a loss... Average return in a good mutual fund will be much higher than the card fee...
Click to expand...
Icici considers icici securities investments in TRV , so yeah one can try that way to If he is into stocks
 
creditcardkakida said:
What kind of investment you are referring to... Say icici says you maintain minimum 2 lakh balance in sb
Click to expand...
as anirban mentioned, all kind of portfolios held with bank (homeloan, stocks, mfs, gold, ppf etc may be even life insurance in some case) count towards NRV.
creditcardkakida said:
Getting card LTF without nrv is always wonderful.. and HNI don't care for little loss(2-3 lakh 🤣🤣) due to money kept in low return deposits.. but for salaried class if bank ask to keep even 2 lakh(although this much won't be sufficient) for card like emerald i will say it's a loss... Average return in a good mutual fund will be much higher than the card fee...
Click to expand...
I was saying that keeping myself in mind, who is not really an HNI but as per income, banks will categorize me as one. I DO care about interest returns too and don't waste my money keeping in low interest accounts just for sake of it. I only use higher deposits to avail premium banking services and withdraw amount asap or keep only to the minimum limits. (just to brag 🤣🤣 I have wealth account of several banks including SBI that comes with a 30L limit, that too without any maintenance condition 🤣🤣)

Anyway, coming back to cards, LTF, should mean LTF with no conditions. not like Axis which is offering select card as LTF for burgandy customers, but its free only as longs as you hold burgundy status. If keeping 2 lacs for few days gets you a card no-condition LTF, and if the card's worth it. I'd say its not a loss, it's a bargain. Or say LTF with a joining fee.

Just to put u in perspective, 1L for an year might make a loss of about 4% liquid interest (7-8% in savings/FDs vs 3-4% in savings of such banks). That means you'd lose around 350 Rs in a month or for 10L its 3.5K. all you have to decide is, if the card's worth it ;-)
 
anirban.choudhury said:
True someone with High NRV doesn’t really cares about card fees , they know their usage in card and the benefits will easily overcome the charges .

And for CC collectors like me , I just take any card , I am not a racist 😀
But I do try to get the card as LTF without NRV as I am collecting almost all cards from all banks so can’t be maintaining NRV with all of them right ? Also it doesn’t make sense to pay for annual charges as even though we collect the CC’s the usage is going to be in maximum 2-3 cards , and to be honest I am ok to pay the annual charges for the cards that I am actually going to use.
Click to expand...
in comparison, that makes me a CC racist. though I DO take most LTF cards, but then close them when I get bored. I got ICICI sapphiro LTF twice, and closed both the time, that was really not worth for me 😛 (even emerald doesn't look worth the money/hassle, it just holds a status value, I'd rather pay for infinia) had regalia LTF which also I closed as I had then 2 HDFC cards. I didn't take Amex Gold on LTF offer because I didn't want to keep counting my transaction of 1000+, though I regretted it later once LTF offer was gone, same goes with Citi miles card 😛

Agree about the charges, I am willing to pay if the benefits are worth when used as primary card. That's why I am planning to get magnus or vistara card next haven't decided yet, but soon.

PS: Now I can get into VIP lounge 😀
 
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phagocyte536 said:
SBI CashBack FYF
SBI Simplyclick FYF (will close before 1 year completion)
ICICI Apay LTF
ICICI Platinum LTF
Axis Flipkart LTF
Axis MyZone LTF
Axis Magnus Paid
OneCard
Citi Rewards (need to spend 30k to keep free)
Citi IndianOil FYF (will close it, hardly using)
AU LIT LTF
IndusInd Legend LTF
IDFC Select LTF

Looking for : Tata Neu Infinity LTF
Click to expand...
Added 2 more

Tata Neu plus LTF
BoB Premier LTF
 
TechnoFino said:
Let me share my latest portfolio.
View attachment 18
🙌
Click to expand...
thats a huge number of credit cards. I am damn sure the count is increasing

CardWale_Baba said:
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.
Click to expand...
You cant call this small list 😉

rahulmr said:
That's a huge list of LTF cards. How you managed to get AU LTF ?
Click to expand...
AU has a Swipe-up portal where you get AU suggested credit card for Lifetime free on the card to card basis. I got AU Zenith for LTF on a card to card basis using my Infinia card.

Jahmeego said:
Here is mine
Click to expand...
I see some are paid ones. Do you always pay the annual charges for them or do you always fulfil the annual spend criteria?

CardWale_Baba said:
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.
Click to expand...
Could you kindly share with me the process you went through to acquire an Infinia credit card with a lifetime free (LTF) feature? I'm very interested in knowing the steps you took to obtain this credit card and any tips or advice you might have for someone who is looking to do the same. Thank you very much for your time and help.
 
Avishma1 said:
HDFC Millenia (LTF)
HDFC TATA NEU INFINITY (NO JOINING FEE)
Amex MRCC (1499/yr)
Yes Bank First Preferred (LTF)
ICICI Platinum ( LTF)
ICICI Amazon Pay (LTF)
IDFC First Select (LTF)
IDFC WOW (Secured/LTF)
BOB Select (LTF)
BOB HPCL (500/yr)
BOB Snapdeal card
Kotak Urbane Gold (199/yr)
IndusInd Iconia Amex (LTF)
RBL Zomato Classic Edition (LTF)
RBL Patinum Delight (1499/yr)
Axis Neo (LTF)
Axis Myzone (LTF)
Axis Indian Oil (LTF)
Onecard (BOB) (LTF)
Citi Rewards (1000/yr)
Citi Indianoil (1000/yr)
SBI Simply Click (499/yr)
SBI FBB (499/yr)
SBI IRCTC RUPAY (299/yr)
StanC Smartearn (499/yr)
Au bank Altura plus (499/yr)
HSBC Platinun (LTF)
HSBC Cashback ( no joining/999)
Stanc Titanium (750)
DBS Bajajfinserv 5x (no joining fee)
Paisabazaar stepup secured cc (LTF)
Niyo Global SBM (secured/LTF)
IDFC WOW 2 (Secured/LTF)
SBI cashback (as add-on)
AU Bank LIT ( as add-on)
Indusind Legend (as add-on)
Somewhere around 33 active credit cards
Click to expand...
are you kidding? how do you manage so many card
 
Here goes my portfolio:

1. SC Ultimate
2. SBI Simply Save
3. SBI Cashback (FYF)
4. IndusInd Aura (LTF)
5. IDFC First Wealth (LTF)
6. ICICI Amazon Pay (LTF)
7. HDFC Tata Neu (LTF)
8. HDFC Regalia (LTF)
9. Citi Rewards (LTF)
10. Axis Airtel (FYF)
11. Axis Ace (FYF)
12. AMEX MRCC (LTF)
 
nrb said:
Here goes my portfolio:

1. SC Ultimate
2. SBI Simply Save
3. SBI Cashback (FYF)
4. IndusInd Aura (LTF)
5. IDFC First Wealth (LTF)
6. ICICI Amazon Pay (LTF)
7. HDFC Tata Neu (LTF)
8. HDFC Regalia (LTF)
9. Citi Rewards (LTF)
10. Axis Airtel (FYF)
11. Axis Ace (FYF)
12. AMEX MRCC (LTF)
Click to expand...
How did you get Amex MRCC LTF?
 
Hitman_107 said:
My portfolio:
1. ICICI Sapphiro Mastercard LTF- 5L
2. HDFC Millenia Mastercard LTF- 2.64L
3. RBL Zomato Classic Visa LTF- 2.5L
4. IndusInd Eazydiner Visa FYF- 5L
5. AU Bank Zenith Visa LTF - 7L
Click to expand...
Update:

1. ICICI Sapphiro Mastercard LTF- 5L
2. ICICI Sapphiro Visa LTF - 5L
3. HDFC Millenia Mastercard LTF- 2.64L
4. RBL World Safari Visa FYF- 2.75L
5. IndusInd Eazydiner Visa FYF- 5L
6. AU Bank Zenith Visa LTF - 7L
7. IDFC Wealth Visa LTF - 4L
 
My Portfolio;
  1. ICICI Amazon Pay (LTF)
  2. IndusInd Legend (LTF)
  3. One Card by SIB (LTF)
  4. Axis Flipkart (LTF)
  5. Axis My zone (LTF)
  6. AXIS Airtel (paid)
  7. IDFC Millennia (LTF)
  8. Bank of Baroda Select (LTF)
  9. Kotak league platinum (LTF)
  10. HDFC Indian Oil (LTF)
  11. YesBank Finbooster (LTF)
  12. RBL PLAY (LTF- superstar user)
  13. SBI simplyclick (paid)
  14. SBI BPCL (paid)
  15. RBL DUET (LTF)
I plan to close SBI BPCL and RBL DUET.

Cards in my wish list;

Amex MRCC
HSBC Visa Platinum
Standard chartered platinum
 
armat said:
My Portfolio;
  1. ICICI Amazon Pay (LTF)
  2. IndusInd Legend (LTF)
  3. One Card by SIB (LTF)
  4. Axis Flipkart (LTF)
  5. Axis My zone (LTF)
  6. AXIS Airtel (paid)
  7. IDFC Millennia (LTF)
  8. Bank of Baroda Select (LTF)
  9. Kotak league platinum (LTF)
  10. HDFC Indian Oil (LTF)
  11. YesBank Finbooster (LTF)
  12. RBL PLAY (LTF- superstar user)
  13. SBI simplyclick (paid)
  14. SBI BPCL (paid)
  15. RBL DUET (LTF)
I plan to close SBI BPCL and RBL DUET.

Cards in my wish list;

Amex MRCC
HSBC Visa Platinum
Standard chartered platinum
Click to expand...
Good to see the MNC wishlist
 
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