💳 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

 

[anirban.choudhury]

@anirban.choudhury How many times did you receive limit enhancement offer in icici ?

twice/thrice I guess

 

[sheru]

Latest Portfolio

Card	Limit	Fees
Canara Rupay Select	2L	300
Union Rupay Select	2.8L	499
BOM Visa	4L	500
IDBI Euphoria	5L	LTF
Federal Celesta	7L	LTF
RBL World Safari	10.5L	LTF
BOB Eterna	12L	LTF
AU Zenith	12L	LTF
ICICI Rubyx	14.7L	LTF
ICICI MMT Signature	9L	LTF
ICICI Emeralde / Emirates Emeralde / Sapphiro / Apay	36L	LTF
Axis Magnus	15L	10000
Kotak Zen	25L	LTF
Kotak White Reserve	25L	LTF
Amex GC	NA	4500
SBI Aurum	12.5L	FYF
IDFC Wealth	17.25L	LTF
Indusind Indulge	10.8L	LTF
HDFC DCB	19L	LTF

Closed Many Cards (SBI Prime , Axis 3 cards , HSBC , STANC , YFE etc)
Got LE in ( Indulge , World Safari , IDFC Wealth )
Added New Cards ( Emeralde , SBI AURUM , Kotak White Reserve )

How come you don't have Infinia yet?

 

[anirban.choudhury]

How come you don't have Infinia yet?

Getting FYF from HDFC as second card with DCB , will be skipping it , will try for LTF

 

[rajaraghunath]

I have
Axis magnus
Axis vistara infinite
Amex platinum travel
Amex mrcc
Standard chartered rewards
Standard chartered ultimate
Idfc first wealth
Rbl fun plus
Icici amazon pay

 

[DevD]

ICICI Rubyx	14.7L	LTF
ICICI MMT Signature	9L	LTF
ICICI Emeralde / Emirates Emeralde / Sapphiro / Apay	36L	LTF

Can you please explain how the icici cards limits are different across variants? how can one manage the limits in imobile? how these icici variants are reported in cibil whether multiple icici credit card account or one in cibil report? Multiple bills separately for each card or only one bill is generated every month ? Do I need to pay bills separately for each card or only one payment combining all card spends in one shot ?
If possible can you please share your oldest credit card age. and what is your cibil score..
And last but not least, In your opinion which bank is most lenient in giving auto LE with very high limit or in percentage terms and frequency.. and which type or category of spends triggers LE ?
Thanks in advance

 

[anirban.choudhury]

Can you please explain how the icici cards limits are different across variants? how can one manage the limits in imobile? how these icici variants are reported in cibil whether multiple icici credit card account or one in cibil report? Multiple bills separately for each card or only one bill is generated every month ? Do I need to pay bills separately for each card or only one payment combining all card spends in one shot ?
If possible can you please share your oldest credit card age. and what is your cibil score..
And last but not least, In your opinion which bank is most lenient in giving auto LE with very high limit or in percentage terms and frequency.. and which type or category of spends triggers LE ?
Thanks in advance

Initially I had Rubyx , MMT Signature , and Apay
I received LE in Rubyx and Apay but not in MMT Signature
Then I took Sapphiro with latest ITR and got enhanced limit on Sapphiro , later I took emirates emeralde with again new docs and got LE .
Then I asked Icici to merge limits across as cards , they did it for Emeralde , Emirates , Sapphiro & Apay but didn’t do it for Rubyx and MMT Signature .
The limit of ICICI is like Axis , each card can have separate individual limit but total limit is the highest one.
How ICICI reports to Cibil is another confusion as per my experience , MMT Signature , Apay , Sapphiro and Emirates are reported separately
So I believe they report in following way
Gemstone is reported separately
Apay is reported separated
Co-branded are reported separately .

You will need to pay bills separately , the same is true for all banks bills are paid against each card individually
Oldest credit age is 10 years and Cibil score as of now is 798

As per my experience Icici and kotak are most lenient in giving LE

 

[Tarun239]

Latest Portfolio

Card	Limit	Fees
Canara Rupay Select	2L	300
Union Rupay Select	2.8L	499
BOM Visa	4L	500
IDBI Euphoria	5L	LTF
Federal Celesta	7L	LTF
RBL World Safari	10.5L	LTF
BOB Eterna	12L	LTF
AU Zenith	12L	LTF
ICICI Rubyx	14.7L	LTF
ICICI MMT Signature	9L	LTF
ICICI Emeralde / Emirates Emeralde / Sapphiro / Apay	36L	LTF
Axis Magnus	15L	10000
Kotak Zen	25L	LTF
Kotak White Reserve	25L	LTF
Amex GC	NA	4500
SBI Aurum	12.5L	FYF
IDFC Wealth	17.25L	LTF
Indusind Indulge	10.8L	LTF
HDFC DCB	19L	LTF

Closed Many Cards (SBI Prime , Axis 3 cards , HSBC , STANC , YFE etc)
Got LE in ( Indulge , World Safari , IDFC Wealth )
Added New Cards ( Emeralde , SBI AURUM , Kotak White Reserve )

Great Portfolio, u must share ur credit card journey, people like me can learn a lot.

 

[magneto]

Hello Everyone!

This is my first post in the TechnoFino Community. I have been reading so many posts which have been helpful to me in continuous expansion of my Credit Card portfolio, I too want to contribute to this wonderful community by sharing my experiences and journey!

Here's my Credit Card Portfolio:

AMEX Gold Charge
AMEX MRCC
AMEX SmartEarn
Axis Magnus
Axis Vistara Infinite
Axis SELECT
Citi Rewards
ICICI Amazon Pay
ICICI MakeMyTrip Signature
ICICI Platinum
IndusInd Pinnacle
RBL Zomato Edition
SBI CashBack
SBI ELITE
AU SFB Vetta
OneCard BOB
PNB Rupay SELECT
BOB Premier



Please feel free to ask questions if any, I'll try my best to answer them, Thank you!

 

[Wealth is my birth right!]

Hello Everyone!

This is my first post in the TechnoFino Community. I have been reading so many posts which have been helpful to me in continuous expansion of my Credit Card portfolio, I too want to contribute to this wonderful community by sharing my experiences and journey!

Here's my Credit Card Portfolio:

AMEX Gold Charge
AMEX MRCC
AMEX SmartEarn
Axis Magnus
Axis Vistara Infinite
Axis SELECT
Citi Rewards
ICICI Amazon Pay
ICICI MakeMyTrip Signature
ICICI Platinum
IndusInd Pinnacle
RBL Zomato Edition
SBI CashBack
SBI ELITE
AU SFB Vetta
OneCard BOB
PNB Rupay SELECT
BOB Premier

View attachment 16741

Please feel free to ask questions if any, I'll try my best to answer them, Thank you!

Good to see the pics
Btw why u have not entered into the gemstone collection of ICICI

 

[SMGROW]

My credit card portfolio
1) HDFC Infinia ( started with Regalia then DCB and currently Infinia)
2) Axis Magnus
3) Amex Platinum Charge

 

[magneto]

Good to see the pics
Btw why u have not entered into the gemstone collection of ICICI

I really don't know how to approach them for LTF, any suggestions for LTF Emeralde and Sapphiro

 

[Wealth is my birth right!]

I really don't know how to approach them for LTF, any suggestions for LTF Emeralde and Sapphiro

We discussed lot but it’s not easy
Pls go through this

LTF Sapphiro/Emerald credit card

I would like to know what is the criteria for getting LTF Sapphiro/Emerald credit card. I don't have any prior relationship with ICICI bank.

www.technofino.in

 

[DevD]

@he

Can you please explain how the icici cards limits are different across variants?

So far based on my observation, except StanC remaining banks mostly provide different limits to their cards with maximum capping at aggregate limit, and also provide LE to only some cards. It is customer responsibility to mail and request them to merge those limits for all cards in that bank.

how can one manage the limits in imobile?

You have to use manage card section in imobile (account not necessary) and you have to do that for each card.

how these icici variants are reported in cibil whether multiple icici credit card account or one in cibil report?

💳 Share & brag your cards portfolio here! 🤑

yes, will get a SBI BPCL after 90 days(pre-approved) with 3l limit. Will transfer some limit to CB and close Simplyclick (with limit transferred to CB), as BPCL's fee waiver is less and it qualifies for SBI offers. where do u check for pre approved card offers from sbi"??

www.technofino.in

Multiple bills separately for each card or only one bill is generated every month ?

Multiple bills

do I need to pay bills separately for each card or only one payment combining all card spends in one shot ?

Pay bills separately.

Initially I had Rubyx , MMT Signature , and Apay
I received LE in Rubyx and Apay but not in MMT Signature
Then I took Sapphiro with latest ITR and got enhanced limit on Sapphiro , later I took emirates emeralde with again new docs and got LE .
Then I asked Icici to merge limits across as cards , they did it for Emeralde , Emirates , Sapphiro & Apay but didn’t do it for Rubyx and MMT Signature .
The limit of ICICI is like Axis , each card can have separate individual limit but total limit is the highest one.
How ICICI reports to Cibil is another confusion as per my experience , MMT Signature , Apay , Sapphiro and Emirates are reported separately
So I believe they report in following way
Gemstone is reported separately
Apay is reported separated
Co-branded are reported separately .

You will need to pay bills separately , the same is true for all banks bills are paid against each card individually
Oldest credit age is 10 years and Cibil score as of now is 798

As per my experience Icici and kotak are most lenient in giving LE

Thanks for your reply.. I appreciate your effort..

 

[Tarun239]

Hello Everyone!

This is my first post in the TechnoFino Community. I have been reading so many posts which have been helpful to me in continuous expansion of my Credit Card portfolio, I too want to contribute to this wonderful community by sharing my experiences and journey!

Here's my Credit Card Portfolio:

AMEX Gold Charge
AMEX MRCC
AMEX SmartEarn
Axis Magnus
Axis Vistara Infinite
Axis SELECT
Citi Rewards
ICICI Amazon Pay
ICICI MakeMyTrip Signature
ICICI Platinum
IndusInd Pinnacle
RBL Zomato Edition
SBI CashBack
SBI ELITE
AU SFB Vetta
OneCard BOB
PNB Rupay SELECT
BOB Premier

View attachment 16741

Please feel free to ask questions if any, I'll try my best to answer them, Thank you!

After first year, how useful do you find sbi elite card, it has good bms offer, apart from this, any other good benefits on this card for 6 k fees?

 

[magneto]

After first year, how useful do you find sbi elite card, it has good bms offer, apart from this, any other good benefits on this card for 6 k fees?

Actually this card was an upgrade from SBI Pulse (10 month old) and there are no joining fees charged in the statements and its over 3 months now, so I am not sure if it is LTF or will they charge me in the month I got my previous card. BMS and Forex charges are only useful features (and the design too), mostly probably will downgrade to some other SBI Card later. Fingers crossed

 

[Tarun239]

Actually this card was an upgrade from SBI Pulse (10 month old) and there are no joining fees charged in the statements and its over 3 months now, so I am not sure if it is LTF or will they charge me in the month I got my previous card. BMS and Forex charges are only useful features (and the design too), mostly probably will downgrade to some other SBI Card later. Fingers crossed

Ok

 

[Tarun239]

https://www.technofino.in/community...-after-closing-current-cards.3611/post-158608

Thanks, sbi elite, it means is a hidden gem if used properly.

 

[TheTrickySid]

Latest Portfolio

Card	Limit	Fees
Canara Rupay Select	2L	300
Union Rupay Select	2.8L	499
BOM Visa	4L	500
IDBI Euphoria	5L	LTF
Federal Celesta	7L	LTF
RBL World Safari	10.5L	LTF
BOB Eterna	12L	LTF
AU Zenith	12L	LTF
ICICI Rubyx	14.7L	LTF
ICICI MMT Signature	9L	LTF
ICICI Emeralde / Emirates Emeralde / Sapphiro / Apay	36L	LTF
Axis Magnus	15L	10000
Kotak Zen	25L	LTF
Kotak White Reserve	25L	LTF
Amex GC	NA	4500
SBI Aurum	12.5L	FYF
IDFC Wealth	17.25L	LTF
Indusind Indulge	10.8L	LTF
HDFC DCB	19L	LTF

Closed Many Cards (SBI Prime , Axis 3 cards , HSBC , STANC , YFE etc)
Got LE in ( Indulge , World Safari , IDFC Wealth )
Added New Cards ( Emeralde , SBI AURUM , Kotak White Reserve )

How were you able to get RBL world safari and Kotak White Reserve LTF??

 

[agentneo]

My Mini Portfolio

Paid -
ICICI Emeralde Visa- 8.1L (Monthly Cost)

LTF -
ICICI Coral Visa - 7.8L
HDFC Regalia Visa - 7.1L

Offered:
IDFC Wealth- 7.8L (I declined)
ICICI Rubyx (I declined)
Induslnd
Amex Platinum Travel Card (I declined)

Closed:
Amex Gold Card
Amex Membership Reward Card

I don't like to keep so many cards as my usage is not high. Prefer max 2-3 at a time. I'm waiting to get Axis Magnus.

 

[TheTrickySid]

How were you able to get RBL world safari and Kotak White Reserve LTF??

@anirban.choudhury