💳 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

 

[BlueFlash]

I have reached my limit of frustration with Axis Bank. They have no coordination between their burgundy customer care, their nodal office and their recovery team. I get calls from each of them every day for different reasons and NO ONE at Axis Bank has made the effort to read my detailed email properly and get back to me. Their cards are great, but bank is difficult to deal with.

As far as DCB goes, its basically been heavy usage for the past 3-4 years. My minimum monthly spend is 10-15L and routinely hit 25L a month as well.
Have been paying timely as well so that helps as well I guess. I have also had a relationship with HDFC bank for a number of years with savings accounts for myself and my company, for my family, HDFC securities accounts etc.

Bro, if you don't mind asking: Are those monthly spends of 15-25L your business/work based expenditure, or are actual personal expenses ?

 

[gedotudo]

Let me share my latest portfolio.

🙌

How did you get BOB eterna LTF?

 

[souvikdey2002]

How did you get BOB eterna LTF?

You need to have 30 Lakh+ ITR to get BOB Eterna LTF

 

[TechnoFino]

How did you get BOB eterna LTF?

30L+ itr and u can get eterna ltf

 

[Amrish]

Can an existing eterna be converted to LTF. I took a paid version last year. Even though I’ll hit the milestone for fee waiver this year anyway, it would good to have it LTF.
I have an ITR of 30L+. How do I convert it to LTF

 

[TechnoFino]

Can an existing eterna be converted to LTF. I took a paid version last year. Even though I’ll hit the milestone for fee waiver this year anyway, it would good to have it LTF.
I have an ITR of 30L+. How do I convert it to LTF

Email bob and ask for ltf, attach your itr with email

 

[dinersblackpro]

Bro, if you don't mind asking: Are those monthly spends of 15-25L your business/work based expenditure, or are actual personal expenses ?

A mix of both personal and work/business expenses - but mainly business expenses.

 

[SachuHopes]

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.

Please DM Me as well, i have been struggling with 30K limit for 10 Months

 

[AllSeeker]

A relative newbie here.

1st CC was taken back in 2020 Nov on a whim against ICICI insta save FD account - ICICI platinum Limit 10800/- (Closed in Feb 2022) > ROI Rs 950/-
2nd CC was taken since I realised it's better to have higher limit card - LTF Kotak 811 Limit 31,000/- (Active) > ROI Rs 1800/-
3rd CC was a little surprise, I was using onescore app and one fine day in March of 2021 I got an offer for OneCard (IDFC) - LTF OneCard Limit - 40,000/- (Active) > ROI Rs 1500/-
4th Received Freecharge credit card offer in freecharge app as soon as I installed it on Oct 2021 (Probably since I had Axis preferred a/c) - Not free - Axis freecharge Rs 75,000/- (Active) > ROI Rs 2000/-
5th Applied for Amazon pay ICICI card on very next day and had an instant approval - LTF ICICI amazon pay 1,80,000 /- (Active) > ROI Rs around 2400/-
6th Received an upgrade offer to Axis flipkart in Feb - Took it in heartbeat. - LTF Axis flipkart (Shared limit with freecharge) 75,000/- (Active) > ROI Rs around 300/-
7th Received an LTF HDFC millennia offer on very next day - Took it in heartbeat - LTF HDFC millennia 1,62,000/- (Active) > ROI Rs 0/-
8th Received an IDFC bank offer for IDFC millennia today - Applied and approved instantly - LTF IDFC millennia 1,00,000/- (Active) > ROI Rs 0/-

Honestly this is getting out of hand for me, will not apply for anything new for next 6 months at least, unless I get offer for axis airtel.

 

[AllSeeker]

Nice collection

What's ROI in this context?

Accumulated return on the instrument. This includes everything, rewards, offers, milestones etc.

 

[AllSeeker]

Ah ... Interesting that you calculate these ... Great

Yes, because when you do this you learn many surprising things, like Kotak cards reward rate might be crappy but its straight up milestone benefit of Rs 750 for spending 75k in a year is pretty good, it is also very helpful in getting no cost EMI offers in retail electronic stores. I've had really good experience with it and that's why not closing it yet. It has given me more than 2% return for spend of 75k, a very good deal for basic entry level card

 

[AllSeeker]

Even HDFC for me has given me milestone benefits

Yes, but for my HDFC card I need to spend 1 lacs per quarter. Honestly my spending is not that high, in a year 2.5 might be already pushing it

This is a case of wearing what suits me, HDFC might be best card for someone who spends around 4-5 lacs per year and at least 1 lacs per quarter. Then it beats all the cards I've and I'm not even counting rewards which are pretty good too. But I do not spend that much.

 

[yashrajjhawar7]

Hence I even manage/use my father's cards I'll include his portfolio also.

My Portfolio
HDFC Moneyback 40K
AXIS Flipkart 75K
AXIS My Zone 75K
SBI BPCL Platinum 27K

My Father's Portfolio
HDFC Regalia 7.2L
AXIS Flipkart 7L
AXIS Privllage 1L
SBI Simply Click 5L
SBI FBB 1.5L
BOB Select 25K
ICICI Apay 4.52L
ICICI Platinum 4.52L
RBL Fun+ 5.5L
RBL World Prime Supercard 6L
IDFC Select 2L

 

[ashwink]

1.YES PRIVATE
2.HDFC INFENIA
3.HDFC DCB
4.ICICI SAPHIRO AMEX
5.ICICI SAPHIRO VISA
6.ICICI EMERALD AMEX
7.ICICI CORAL
8.SBI ELITE
9.SBI BPCL
10.INDUSIND PINNACLE
11.AXIS VISTARA INFINITE

Bhai how much annual charges do you pay?

 

[fatehbajwa]

Ok.....A quick and dirty picture of my cards.
Added all the Lounge Access Cards just for the heck of it.

 

[fatehbajwa]

Hence I even manage/use my father's cards I'll include his portfolio also.

My Portfolio
HDFC Moneyback 40K
AXIS Flipkart 75K
AXIS My Zone 75K
SBI BPCL Platinum 27K

My Father's Portfolio
HDFC Regalia 7.2L
AXIS Flipkart 7L
AXIS Privllage 1L
SBI Simply Click 5L
SBI FBB 1.5L
BOB Select 25K
ICICI Apay 4.52L
ICICI Platinum 4.52L
RBL Fun+ 5.5L
RBL World Prime Supercard 6L
IDFC Select 2L

Just for you.

 

[StanRoute66]

Ok.....A quick and dirty picture of my cards.
Added all the Lounge Access Cards just for the heck of it.

Just Beautiful and Congrats !

 

[technofino1]

1. Hdfc Diners Black 10L(LTF)

2. Axis Airtel 2L(500)
3. Axis Flipkart 2L(500)
4. Axis Ace 60K(500)

5. Sbi SimplyClick 50k(500)
6. Sbi SimplySave 50k(500)
7. Sbi Paytm 50k(500)

8. IDFC First 2L(LTF)
9. IDFC OneCard 45K(LTF)

10.ICICI Platinum 4L(LTF)
11.ICICI Amazon 1L(LTF)

12. BOB EASY 75K(LTF)

13. INDUSIND INCONIA 50K(LTF)

So only paid cards I have are 3 from SBI and 3 from Axis. Please suggest which to close thinking to keep only 1 from sbi and axis

 

[AllSeeker]

1. Hdfc Diners Black 10L(LTF)

2. Axis Airtel 2L(500)
3. Axis Flipkart 2L(500)
4. Axis Ace 60K(500)

5. Sbi SimplyClick 50k(500)
6. Sbi SimplySave 50k(500)
7. Sbi Paytm 50k(500)

8. IDFC First 2L(LTF)
9. IDFC OneCard 45K(LTF)

10.ICICI Platinum 4L(LTF)
11.ICICI Amazon 1L(LTF)

12. BOB EASY 75K(LTF)

13. INDUSIND INCONIA 50K(LTF)

So only paid cards I have are 3 from SBI and 3 from Axis. Please suggest which to close thinking to keep only 1 from sbi and axis

How did you get HDFC diners black and that too LTF?

 

[AllSeeker]

1. Hdfc Diners Black 10L(LTF)

2. Axis Airtel 2L(500)
3. Axis Flipkart 2L(500)
4. Axis Ace 60K(500)

5. Sbi SimplyClick 50k(500)
6. Sbi SimplySave 50k(500)
7. Sbi Paytm 50k(500)

8. IDFC First 2L(LTF)
9. IDFC OneCard 45K(LTF)

10.ICICI Platinum 4L(LTF)
11.ICICI Amazon 1L(LTF)

12. BOB EASY 75K(LTF)

13. INDUSIND INCONIA 50K(LTF)

So only paid cards I have are 3 from SBI and 3 from Axis. Please suggest which to close thinking to keep only 1 from sbi and axis

If axis cards are old enough they can be made into LTF, SBI doesn't do that usually but you can still ask.