💳 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.choudhuryanirban.choudhury is verified member.]

@anirban.choudhury

Rbl through retention
Kotak through negotiation

 

[TheTrickySid]

Rbl through retention
Kotak through negotiation

Can you please elaborate both incidences

 

[magneto]

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

How were you able to get Indugle LTF and AURUM FYF?

 

[ajay1234]

My portfolio

Axis magnus
Axis vistara signature
Hdfc Regalia
Hdfc Tata neu infinity
Hdfc Moneyback+
Sbi cashback
Amazon pay Icici

 

[iShazam]

Axis Magnus CC - Rs 10K per annum
Axis Vistara Infinite CC - Rs 10K per annum
Axis IOCL Rupay CC - Rs 500 Per annum (Got 2500 ER points when asked to close the card)
Citibank IOCL CC - Rs 1000 per annum (Waived on Spends of Rs 30000 per annum) Not paid once since last 12 years
ICICI Sapphiro American Express CC - LTF (Best mobile application of all. As good as its branch)
ICICI Sapphiro Mastercard CC -LTF
ICICI Amazon Pay Visa CC -LTF
HDFC Regalia Rupay Select CC - LTF ( Initially had VISA converted to Rupay with a mail)
IDFC First Select Visa Signature CC - LTF (Lounge access incl Railway lounges and breakdown assistance is awesome)
BOB Premier Rupay CC - LTF
Standard Chartered Manhattan Visa CC - Rs 999 per annum (Waived on Spends of Rs 120000 per annum) Paid once however customer card returned 50% of the fee. Customer care is one of the best in the category.)
SBI SimplySAVE CC - Rs 500 per annum (Initially had SBI Air India Signature till 2020; then downgraded to SBI BPCL Card; then again downgraded to this)
KOTAK League Platinum CC - LTF

 

[Adwait]

Indusind Aura Edge - LTF, Limit 66000
Axis Flipkart - LTF Limit 15000
Axis Myzone - LTF Limit 15000
Au Altura Plus - LTF Limit 80000
Icici Amazon Pay - LTF Limit 420000
Icici Platinum - LTF Limit 420000
Sbi Simplyclick - 500 Rs Limit 63000
Sbi Cashback - 999 Rs Limit 140000
HDFC Moneyback Plus - LTF Limit 50000
Bob Easy- LTF Limit 40000
Bob Snapdeal -250 rs Limit 40000
IDFC Millenia- LTF Limit 122000
RBL Shoprite - LTF Limit 76000
Kotak Urbane Gold- LTF Limit 150000

All Without income proof and any address verification.

 

[prabanomics]

Axis Magnus - Paid

HDFC DCB - LTF
ICICI Sapphiro - LTF

RBL Zomato - LTF
IDFC Select - LTF
ICICI Platinum - LTF
HDFC Tata Neu Infinity - LTF

 

[iShazam]

Could you explain your experience if possible in this bank? especially customer care, best in category. How you approached, escalated to get that 50% and overall association with this card in yrs.

Just to see where I did wrong, nothing in this - just to follow same to get the same experience or not (it may differ from p2p but would like to know your experience).

TIA.

Okay. So SC is a very typical bank however they are pretty straightforward and do take customers request for resolution. I held a relationship for more that 9 years now. Few times when I was late for the monthly payment they reversed the fees by 50% (If i remember correctly). Even after request they reduce the annual fees by Rs 500 (Happened in 2016-17). Overall except one time where they told me I was eligible for SC Ultimate card and then rejected the request its a pretty decent experience.

 

[maheshspanicker]

ICICI Platinum
SBI SimplyClick
ICICI AmazonPay
HDFC Millenia
IndusInd Legend
RBL Monthly Treats
SCB Titanium
Flipkart Axis
Amex MRCC
IDFC First Select
PNB Rupay Select

 

[adi654]

AXIS MAGNUS-6L PAID
AXIS SELECT-6L(Shared with MAGNUS)
AXIS ATLAS -4L PAID
HDFC BEST PRICE SAVE MAX-1.4L LTF
HDFC TATA NEU PLUS-1.4L(SHARED) LTF
ICICI AMAZON PAY -2.5L LTF
ICICI RUBYX -2.5L LTF
IDFC MILLENIA -40K(They are not ready to increase the limit despite SB account converted to wealth recently) LTF
ONE CARD SOUTH INDIAN BANK-1L LTF
UNION BANK OF INDIA VISA SIGNATURE-3L PAID
CANARA BANK RUPAY SELECT-3L PAID
PNB RUPAY SELECT-1.5L PAID
KOTAK INDIGO XL-4L LTF
BOB -52K(PLANNING TO CLOSE THIS SOON) LTF

NO SBI,RBL,INDUS-all these get rejected every time i apply ..for strange reason and always get a reply stating internal parameters

 

[RaviAglRaviAgl is verified member.]

Here is my portfolio

• Standard Chartered Ultimate - Rs 5,000
• Axis:
  • Axis Magnus Rs 10,000
  • Axis Ace Rs 500
  • Axis Flipkart Rs 500
• ICICI:
  • ICICI HPCL Coral Rs 200 (My first CC)
  • ICICI RUBYX LTF
  • Amazon pay ICICI LTF
• Amex
  • Amex MRCC Rs 4500
  • Amex plat travel Rs 5k
• SBI
  • BPCL Rs 500
  • Cashback card Rs 1000
• HDFC Regalia LTF
• BOB Premier - LTF
• IndusInd
  • Legend Signature - LTF
  • EasyDiner Indus Ind Card - 2K
• Altura Plus - LTF
• HSBC - LTF
• One card - LTF
• Kotak Fortune Gold Credit Card - LTF
• Citi Indian Oil Rs 1000
• Yes Prosperity Rewards Plus Rs 499

Top cards on my wishlist: HDFC Infinia & HDFC Diners

Swap SBI BPCL with SBI BPCL Octane, It has much better reward rate. Joining & Annual Fee is 1499+Gst, but you get 6000 RP worth 1500 on joining, Annual fee waiver criteria is 200k spend. Gives 2.5% reward rate on Dmart & Reliance Fresh. 6.25% Reward Rate on BPCL bunks on fuel of 10k per month which is pretty good. Rest you may work out and decide.

 

[RaviAglRaviAgl is verified member.]

AXIS MAGNUS-6L PAID
AXIS SELECT-6L(Shared with MAGNUS)
AXIS ATLAS -4L PAID
HDFC BEST PRICE SAVE MAX-1.4L LTF
HDFC TATA NEU PLUS-1.4L(SHARED) LTF
ICICI AMAZON PAY -2.5L LTF
ICICI RUBYX -2.5L LTF
IDFC MILLENIA -40K(They are not ready to increase the limit despite SB account converted to wealth recently) LTF
ONE CARD SOUTH INDIAN BANK-1L LTF
UNION BANK OF INDIA VISA SIGNATURE-3L PAID
CANARA BANK RUPAY SELECT-3L PAID
PNB RUPAY SELECT-1.5L PAID
KOTAK INDIGO XL-4L LTF
BOB -52K(PLANNING TO CLOSE THIS SOON) LTF

NO SBI,RBL,INDUS-all these get rejected every time i apply ..for strange reason and always get a reply stating internal parameters

Apply using an offline agent. You should see some success. Online application sucks except in the case of ICICI Amazon.

 

[Lakshya Mahani]

My Latest Portfolio-
ICICI Apay- 4.20 Lakhs LTF
ICICI Platinum - 4.20 Lakhs LTF
ICICI Mine- 1.20 Lakhs LTF
ICICI MMT Platinum- 1.20 Lakhs LTF
HDFC MILLENNIA- 1 Lakh LTF
RBL Zomato( soon it will be shoprite)- 52K LTF
AXIS MyZone- 1 Lakh LTF
AXIS NEO- 1 Lakh LTF
KOTAK League- 30k LTF
ONECARD( Federal Bank)-20k LTF

 

[pal27j]

Updated:
My compact folio:

1. HDFC Infinia- FYF- Rs. 9.7 L
2. SBI Cashback- FYF- Rs. 3.93 L
3. SBI SimplyClick- LTF - Rs. 44k (CL transferred to Cashback)
4. ICICI Sapphiro- LTF- Rs. 3 L
5. ICICI Rubyx - LTF- Rs. 8.04 L (Closed)

How did you converted CL to Cashback..

 

[vaibhav111vaibhav111 is verified member.]

How did you converted CL to Cashback..

earlier you could by calling SBI cs, now they don't entertain such request as far i have read in the comment as of may 2023.

 

[Dai]

My card portfolio

Axis magnus 5L
Gold charge card
Mrcc - 2L
Hdfc regalia -15L LTF
SCU 7L
Yes exclusive -5L LTF

 

[It_is_Naruto]

Just followed a simple trick , which is only applicable on SBI 😂 , and i never got any pre-approved offer LE and i never gave any income doc. For limit increase.

hello, scrolled down 3-4 pages in the thread but could not get the trick. Kindly share or DM..thanks in advance 🙂

 

[Pranithnaik]

Here is the small list of my card.

SBI PRIME(LTF)
ICICI AMAZON PAY (LTF)
ICICI CORAL(LTF) CLOSED
SLICE -CLOSED
UNI-CLOSED
ONECARD (FEDERAL) LTF
BOB RUPAY PREMIER (LTF)
CANARA RUPAY SELECT (300/Y USAGE WAIVER)
AXIS MYZONE(LTF)
AXIS IOCL RUPAY (LTF)
CITI CASHBACK(500/Y)
YESBANK REWARDS PLUS (LTF)
RBL DUET (LTF)
KOTAK LEAGUE(LTF)
HDFC RUPAY IOCL(500/Y ON USAGE WAIVER)
INDUSIND LEGEND(LTF)
TATA NEU PLUS (LTF OFFER APPLIED WAITING FOR CARD)

Thank you for guidance in getting these cards And please suggest if there are any LTF cards out there for me.

 

[axb]

Here is the small list of my card.

SBI PRIME(LTF)
ICICI AMAZON PAY (LTF)
ICICI CORAL(LTF) CLOSED
SLICE -CLOSED
UNI-CLOSED
ONECARD (FEDERAL) LTF
BOB RUPAY PREMIER (LTF)
CANARA RUPAY SELECT (300/Y USAGE WAIVER)
AXIS MYZONE(LTF)
AXIS IOCL RUPAY (LTF)
CITI CASHBACK(500/Y)
YESBANK REWARDS PLUS (LTF)
RBL DUET (LTF)
KOTAK LEAGUE(LTF)
HDFC RUPAY IOCL(500/Y ON USAGE WAIVER)
INDUSIND LEGEND(LTF)
TATA NEU PLUS (LTF OFFER APPLIED WAITING FOR CARD)

Thank you for guidance in getting these cards And please suggest if there are any LTF cards out there for me.

How did you get SBI card as LTF?

 

[anirban.choudhuryanirban.choudhury is verified member.]

How did you get SBI card as LTF?

SBI Employee may be ?