💳 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

 

[gautamcool]

My credit card portfolio till 1 month ago (before joining this community) :
HDFC Millennia LTF - 2.5L

Just 1 month later today :
HDFC Millennia LTF - 2.69L
Axis Ace - 1.7L
IndusInd Legend LTF - 75k
IDFC First Select LTF - 2.5L
HDFC Tata Neu FYF - shared 2.69L

I was holding Millennia as my only credit card for more than a year but they offered me only 19k limit increase last month 🤷🏼‍♂️

 

[gallifrey24]

ICICI coral - 4.9L shared with icici apay
ICICI Apay - 4.9L shared with icici coral
Sc platinum rewards - 3.13L ( recently received LE)
HSBC 2.2L
Idfc select - 2.95L
Yes Bank prosperity - 1L
Sbi prime - 1.69L
Indusind legend - 2.1L
Amex smartearn 2.37L
Hdfc regalia - 3.55
Citibank Indian oil - 119000

 

[Tejo]

ICICI coral - 4.9L shared with icici apay
ICICI Apay - 4.9L shared with icici coral
Sc platinum rewards - 3.13L ( recently received LE)
HSBC 2.2L
Idfc select - 2.95L
Yes Bank prosperity - 1L
Sbi prime - 1.69L
Indusind legend - 2.1L
Amex smartearn 2.37L
Hdfc regalia - 3.55
Citibank Indian oil - 119000

Icici apay or icici coral

Which card you got, first?

 

[chdguy1980]

Good one. You have HDFC Tata Neu Infinity with your highest limit. Couple of questions
Did you have any other relationship with HDFC earlier or any HDFC card before getting Tata Neu Infinity?
Did you apply for Tata Neu Infinity through Tata Neu app as LTF and were you offered this highest limit during that application process?

Trying to understand the process for limit offered by HDFC during application process for your first card with them?

MRCC --> 5,00,000
2. AU LIT --> 6,40,000
3. Axis Ace --> 4,62,000
4. Axis IndianOil (LTF) --> 4,62,000
5. BoB Easy (LTF) --> 2,00,000
6. CitiBank Rewards (LTF) --> 1,80,000
7. HDFC TATA Neu Infinity (LTF) --> 6,61,000
8. ICICI AmazonPay (LTF) --> 6,00,000
9. IDFC First Wealth (LTF) --> 4,75,000
10. IndusInd EazyDiner (LTF) --> 2,00,000
11. IndusInd Vistara Explorer (LTF) --> 2,00,000
12. Kotak League (LTF) --> 6,00,000
13. OneCARD BoB (LTF) --> 6,40,000
14. SBI Card CashBack --> 4,10,000
15. SBI Card Elite (LTF) --> 1,00,000
16. SBI Card BPCL Octane --> 2,00,000

 

[R0H17]

Good one. You have HDFC Tata Neu Infinity with your highest limit. Couple of questions
Did you have any other relationship with HDFC earlier or any card before getting Tata Neu Infinity?
Did you apply for Tata Neu Infinity through Tata Neu app as LTF and were you offered this highest limit during that process?

Trying to understand the process for limit generation by HDFC during application process.

Before getting this card I had a basic savings account (2 month old) that I wasn't using. I opened it, just cuz.

I was looking for a RuPay card for UPI. After my research, I found that HDFC TATA Neu Infinite have the best rewards on UPI. I was anyway regularly using big basket, 1mg and croma outside of Tata Neu.

I installed the Tata Neu app and I had LTF offer on both the plus and Infinite cards.
I applied for Infinite RuPay and my application was rejected.
I'm not sure why this happened but assumed it was because my personal number (that I have on app) & banking number are different.

A month later I visited the branch. The RM told be there an offer ongoing for LTF Infinite card on C4C. I submitted the facia of my SBI Octane card along with 3 month payslip. This time the card was approved.

I was given a Visa card. I wrote to customer care and got it changed to RuPay.

 

[gallifrey24]

Icici apay or icici coral

Which card you got, first?

I got the coral card first. Upgraded many years back from ICICI platinum

 

[rajat30]

HDFC Regalia 6.2L limit - tried for LTF DCB or Infinia, they refused. Have Gold upgrade available but paid so sticking to this for now
ICICI Amazon Pay 4.6L limit

Applied for Magnus, lets see when it gets approved.

 

[RewardsAlert]

My current portfolio:
1. AMEX MRCC --> 5,00,000
2. AU LIT --> 6,40,000
3. Axis Ace --> 4,62,000
4. Axis IndianOil (LTF) --> 4,62,000
5. BoB Easy (LTF) --> 2,00,000
6. CitiBank Rewards (LTF) --> 1,80,000
7. HDFC TATA Neu Infinity (LTF) --> 6,61,000
8. ICICI AmazonPay (LTF) --> 6,00,000
9. IDFC First Wealth (LTF) --> 4,75,000
10. IndusInd EazyDiner (LTF) --> 2,00,000
11. IndusInd Vistara Explorer (LTF) --> 2,00,000
12. Kotak League (LTF) --> 6,00,000
13. OneCARD BoB (LTF) --> 6,40,000
14. SBI Card CashBack --> 4,10,000
15. SBI Card Elite (LTF) --> 1,00,000
16. SBI Card BPCL Octane --> 2,00,000

Applications in-process:
1. Axis Airtel (FYF)
2. ICICI Platinum (LTF)

Great portfolio!
Would you be able to share, how were you able to get IndusInd Eazydiner as well as IndusInd Vistara Explorer cards as LTF?
Because generally these are prices cards and not given LTF.
Do you have any bank account with high TRV with Indusind?

 

[Theo]

HDFC Trio (Infinia+DCB+Neu) - All LTF Combined limit 20L
Axis Trio (Vistara+Magnus+Reserve) - All Paid Combined Limit 25L
SCB Ultimate - Paid Limit 20L
SBI (Aurum, Air India and CB) - Paid Combined Limit 10L
IDFC Wealth - Limit 8L
IndusInd Legend - LTF Limit 8L
Amex Plat - Paid No Limit
Plus some more Citi, RBL, etc - Paid+LTF - Overall Limit - 18.4 L

 

[R0H17]

Great portfolio!
Would you be able to share, how were you able to get IndusInd Eazydiner as well as IndusInd Vistara Explorer cards as LTF?
Because generally these are prices cards and not given LTF.
Do you have any bank account with high TRV with Indusind?

I work at IndusInd. But even then it wasn't easy. Had to take loads of approval, specially for Vistara Explorer.

Next stop, Axis, to get Magnus LTF 😋

 

[Theo]

T

Solid. Why you stopped with Legend, seems like there is a possibility for you in higher end.?

There is but I did not find it worth it. Plus I don’t really use the Legend. Waiting for their new Avior Cobranded card

 

[jack333]

With Kotak 811 account it came as a Pre-Approved.

Bro how did you get indulge as LTF?

 

[Theo]

Bro how did you get indulge as LTF?

Don’t remember…maybe they had a corporate offer

 

[BeingIncog]

ICICI Amazon Pay, Coral Rupay, Coral AmEx and Platinum Chip ALL LTF
HDFC Millennia New LTF, Tata Neu Plus Paid Biz Rupay UPI (virtual) LTF*
IDFC First Millennia LTF and First Digital (virtual) 199+GST
CashBack SBI Card Paid
Federal Imperio LTF
OneCard SIB LTF
LazyPay RBL LTF
Jupiter Edge CSB LTF

* spends based LTF

 

[jade]

Amex MRCC 2.3 L
Amex SmartEarn 1.8 L
SBI Cashback 1.0 L
SBI Simplysave 20 K
IDFC Select 1.7 L (LTF)
ICICI Amazon Pay 1.8 L (LTF)
ICICI Platinum 2.0 L (LTF)
Axis MyZone 1.0 L (LTF)
Kotak League Platinum 52 K (LTF)

My new credit card portfolio

Amex MRCC 2.3 L
ICICI Amazon Pay 2.7 L (LTF)
ICICI Platinum 2.7 L (LTF)
IDFC Select 1.7 L (LTF)
SBI Cashback 1.0 L
Axis MyZone 1.0 L (LTF)
Kotak League Platinum 52 K (LTF)

 

[seekerxbx]

Greetings of the day, everyone

My current portfolio:
1. AMEX Plat Charge + 4 add on
2. AMEX Plat Travel + 2 add on
3. AMEX Plat Reserve + 4 add on
4. Citibank Prestige + 5 add on
5. Citibank Premiermiles + 1 add on
6. HDFC Infinia (LTF) + 3 add on
7. HDFC DCB (LTF) + 3 add on
8. AXIS Magnus + 3 add on
9. AXIS Airtel
10. AXIS Flipkart (LTF)
11. SBI Air India Visa Signature + 2 add on
12. SBI Unnati (Secured card) Free
13. OneCARD BoB (LTF)
14. Yes First Exclusive (LTF) + 2 add on
15. ICICI Sapphiro (LTF)
16. ICICI Amazon Pay (LTF)
17. IDFC Wealth (LTF)

Intend to add
1. Tata Neu Infinity LTF
2. AXIS Reserve
3. AXIS Samsung on closing Flipkart and Airtel

 

[vaibhav111vaibhav111 is verified member.]

Greetings of the day, everyone

My current portfolio:
1. AMEX Plat Charge + 4 add on
2. AMEX Plat Travel + 2 add on
3. AMEX Plat Reserve + 4 add on
4. Citibank Prestige + 5 add on
5. Citibank Premiermiles + 1 add on
6. HDFC Infinia (LTF) + 3 add on
7. HDFC DCB (LTF) + 3 add on
8. AXIS Magnus + 3 add on
9. AXIS Airtel
10. AXIS Flipkart (LTF)
11. SBI Air India Visa Signature + 2 add on
12. SBI Unnati (Secured card) Free
13. OneCARD BoB (LTF)
14. Yes First Exclusive (LTF) + 2 add on
15. ICICI Sapphiro (LTF)
16. ICICI Amazon Pay (LTF)
17. IDFC Wealth (LTF)

Intend to add
1. Tata Neu Infinity LTF
2. AXIS Reserve
3. AXIS Samsung on closing Flipkart and Airtel

damn, you have so many add on..

 

[seekerxbx]

damn, you have so many add on..

😜Useful when distributed to friends (AMEX Plat charge) and family for multiple expenditures.

Plus, except for Citi, SBI and Magnus, all add-on cards were applied during offers for additional points/ rewards/ vouchers.

 

[suhasa010]

My humble Credit Card Portfolio:

1. Standard Chartered Smart Visa- 2.48L (FYF, 499/yr)
2. ICICI Amazon Pay Visa - 5.1L (LTF) (P.S: It's the shut up and take my money skin wala 🤣)
3. ICICI Sapphiro MasterCard+Amex - 5.1L (LTF)
4. Tata Neu Infinity HDFC Rupay - 2.43L (LTF)
5. HSBC Visa Platinum - 2.74L (LTF)
6. Airtel Axis MasterCard - 4.14L (FYF, 500/yr)
7. Axis My Zone Visa - 4.14L (LTF)
8. Axis Neo Visa - 4.14L (LTF)
9. Kotak Zen Signature - 6.9L (LTF)
10. OneCard (BoB) - 4.35L (LTF)
11. IndusInd Eazydiner - 5L (FYF)
12. IDFC First Millennia - 80K (LTF)
13. Fi Amplifi - 7.59L (Paid)

Wishlist:
1. SBI Cashback (got rejected once in Mar, applied again after 3 months, instant rejection again)
2. HDFC Millennia LTF 🥺

Closed in 2023:
1. HDFC Moneyback
2. Kotak Urbane, Mojo (got upgraded to Zen via retention route)

 

[Deleted member 7241]

damn, you have so many add on..

😂😂😂 Manage kaise karte ho...