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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. 😎

---

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
 
Last edited:
Apply For LTF AU LIT Credit Card
Here is mine,

SBI Vistara Prime- Paid
AMEX MRCC- Paid
Axis Atlas- FYF
Axis Magnus- Paid
RBL Supercard- First and old card
HDFC Millennia- LTF
HDFC Tata Neu infinity- LTF

Please do share your thoughts and suggestions if any,
 
Here we go
  1. HDFC INFINIA METAL(Visa FYF, 15L)
  2. HDFC INFINIA(Mastercard LTF, Spouse's Addon, 10.3L)
  3. HDFC Diners Black(LTF, 15L shared with Infinia)
  4. HDFC Tata Neu Infinity(FYF,15L shared)
  5. Amex MRCC(LTF, 4L)
  6. Amex Platnium Charge Card (15L, checked spends up to 15L, was approved, can be more)
  7. Yes First Exclusive(LTF, 10L)
  8. Yes RuPay(LTF, 10L) shared with Yes FE
  9. Axis Myzone(LTF, 5L)
  10. Axis Samsung Infinity(FYF, 5L)
  11. Kotak Zen Signature(LTF, 6L)
  12. IndusInd Legend(LTF, 4L)
  13. SBI SimplyClick(3.78L)
  14. SBI Cashback(2.10L)
  15. BoB Premier RuPay(LTF, 2.6 L)
  16. CITIBANK INDIANOIL(LTF, 13.5L)
  17. HSBC Platinum(LTF, 9.39L)
  18. IDFC First Wealth(LTF, 11.5L)
  19. RBL Icon (FYF, 9.62L)
  20. Federal Bank Celeste Visa(LTF, 5L)
  21. ICICI Amazonpay(LTF, 15L) shared with ICICI Group
  22. ICICI Sapphiro(Amex & Master LTF, 15L) shared with ICICI Group
  23. ICICI Coral RuPay(LTF, 15L) shared with ICICI Group
  24. AU Zenith(LTF, 8 L)
  25. Closed: ICICI Rubyx, ICICI Platinum, SBI Aurum, OneCard, Kotak Signature, Kotak White, IDFC First Select, Axis Vistara Signature, Axis Privilege, Axis Ace, Axis Select, Amex Platinum Travel, Amex Platinum Reserve, IndusInd Platinum, SC Rewards, Axis My Zone, SC Ultimate, DBS Bajajfinserv Supercard, Axis Magnus, Axis Flipkart.
  26. Upgrade / Conversion Paths: Regalia(LTF)->DCB(FYF)->Infinia(FYF)-Infinia Metal(FYF); SBI Elite->Simply Save->SBI IRCTC->SBI SimplyClick->Aurum->SimplyClick all paid; Kotak Signature(FYF)->Kotak White(Paid)->Kotak Zen Signature(LTF), CITIBANK Rewards(Paid)->CITIBANK INDIAN OIL(LTF); SC Rewards ->SC Ultimate, both paid; Yes Premia->Yes First Preferred->Yes First Exclusive all LTF; BoB Premier Signature->BoB Premier RuPay; HDFC Tata Neu Infiniti -> HDFC DCB LTF(Alumni Offer); RBL Platinum Maxima->RBL Icon
 

Attachments

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Last edited:
bitsst said:
Here we go

  1. HDFC INFINIA METAL(Visa FYF, 15L)
  2. HDFC INFINIA(Mastercard LTF, Spouse's Addon, 10.3L)
  3. HDFC Tata Neu Infinity(RuPay FYF, 15L shared with Infinia)
  4. SC Ultimate(Mastercard, 10L): Planning to close
  5. Axis Magnus(Visa, 5L)
  6. Amex MRCC(LTF, 4L)
  7. Yes First Exclusive(LTF, 8L)
  8. Axis Myzone(LTF, 5L shared)
  9. Axis Flipkart(5L, shared)
  10. Kotak Zen Signature(LTF, 6L)
  11. IndusInd Legend(LTF, 4L)
  12. SBI SimplyClick(3.78L)
  13. SBI Cashback(2.10L)
  14. ICICI Amazonpay(LTF, 13.5L)
  15. BoB Premier RuPay(LTF, 2L)
  16. DBS Bajajfinserv Supercard(1.5 L): Planning to close
  17. CITIBANK INDIANOIL(LTF, 13.5L)
  18. HSBC Platinum(LTF, 4.22L)
  19. IDFC First Wealth(LTF, 10L)
  20. RBL Platinum Maxima (LTF, 9.62L)
  21. Federal Bank Celeste Visa(LTF, 5L)
  22. Closed: ICICI Rubyx, ICICI Platinum, SBI Aurum, OneCard, Kotak Signature, Kotak White, IDFC First Select, Axis Vistara Signature, Axis Privilege, Axis Ace, Axis Select, Amex Platinum Travel, Amex Platinum Reserve, IndusInd Platinum, SC Rewards, Axis My Zone
  23. Upgrade / Conversion Paths: Regalia(LTF)->DCB(FYF)->Infinia(FYF)-Infinia Metal(FYF); SBI Elite->Simply Save->SBI IRCTC->SBI SimplyClick->Aurum->SimplyClick all paid; Kotak Signature(FYF)->Kotak White(Paid)->Kotak Zen Signature(LTF), CITIBANK Rewards(Paid)->CITIBANK INDIAN OIL(LTF); SC Rewards ->SC Ultimate, both paid; Yes Premia->Yes First Preferred->Yes First Exclusive all LTF; BoB Premier Signature->BoB Premier RuPay
Click to expand...
So we can keep two infinia/any hdfc cards - one as primary and one as addon ??
 
jatinkrmalik said:
Feb 21, 2022

We can't really have a forum without allowing members to share their credit card portfolios and talk about their favourite credit card. 😎

---

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
Click to expand...

📣 So, this update was a long due since I started the thread! 🤑

Here's my current cc portfolio, with a total of 12 cards! ⤵️

1687869034232.png

These are the cards that I have closed or got discontinued ⬇️

1687869163849.png
 
Last edited:
helloworld said:
Could someone confirm number of entries in Cibil when that person has multiple cards from same bank?

Update -

Standard Charted - 1 entry for all cards
ICICI - 3 entries mostly (1-Amazon, 1-Gemstone Cards, 1-Cobranded).
AXIS - each card 1 entry
SBI - each card 1 entry
AMEX - 1 entry for all cards
BOB - each card 1 entry
HDFC - each card 1 entry but no credit limit
RBL - each card 1 entry
INDUSIND - each card 1 entry

Multiple entries for same bank means Cibil considers all of them have separate limit. This increases ⬆️ overall limit, decreases ⬇️credit utilization and increases⬆️ debt to income in Cibil report. TIA
Click to expand...
For me Amex has separate entries for SmartEarn and MRCC
 
My list of cards, mostly basic categories but fulfilling requirements in all daily life aspects:

1) Citi rewards : 1000 ( always gets waived off due to low expense requirement 30K)
2) SBI Simplesave : 500 ( always paying but getting refunded after raising card closing request)
3) ICICI Amazonpay : LTF ( mostly for bills 2%cashback)
4) ICICI Coral : LTE ( for 2.5 % cashback on fuel)
5) HDFC Regalia : LTF ( hardly used, mostly in FK/Amazon sales)
6) IDFC First Select : LTF ( for 2+2 Movies permonth)
7) Axis Myzone : LTF ( for 1+1 Movies permonth)
8) Axis Airtel : 500 ( recently got,no chance of waiveoff, for all my prepaid,broadband,utility bills upto monthly cashback limit of 600/month )

Planning to get HDFC/AXIS IOCL LTF cards for 4% fuel cashback.
 
R0H17 said:
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)
Click to expand...
Hey bro how u got SBI ELITE as LTF?
 
Hi guys, here is my current lineup. I started about 6 years back with an HDFC MoneyBack LTF and that was the only card i held until about 3 years back.

Currently the only cards I pay for are Axis Magnus and Amex MRCC (even that is easy to hit the annual milestone for)

  1. Axis Magnus
  2. Amex MRCC
  3. Amex SmartEarn (LTF with MRCC)
  4. HDFC Regalia LTF
  5. HDFC Neu Infinity LTF
  6. IndusInd Legend LTF
  7. ICICI MMT Platinum LTF
  8. RBL Shoprite LTF
  9. Kotak League Platinum LTF
  10. AU LIT LTF
  11. Axis MyZone LTF


20230701_162901_0000.png
 
VaporWarrior said:
Hi guys, here is my current lineup. I started about 6 years back with an HDFC MoneyBack LTF and that was the only card i held until about 3 years back.

Currently the only cards I pay for are Axis Magnus and Amex MRCC (even that is easy to hit the annual milestone for)

  1. Axis Magnus
  2. Amex MRCC
  3. Amex SmartEarn (LTF with MRCC)
  4. HDFC Regalia LTF
  5. HDFC Neu Infinity LTF
  6. IndusInd Legend LTF
  7. ICICI MMT Platinum LTF
  8. RBL Shoprite LTF
  9. Kotak League Platinum LTF
  10. AU LIT LTF
  11. Axis MyZone LTF


View attachment 21429
Click to expand...
Good collection
 
H
Jitendra P said:
My portfolio might not be as impressive compared to many of the seniors here but these are some points to consider:

1. I'm a 21 year old student without any income proof.

2. My first CC is only 1.5 years old.

3. I only started trying to get new credit cards since Dec 2021 and all cards in the picture except for ICICI cards are received by me in Jan 2022.

ICICI Rubyx LTF (3L)
ICICI Amazon Pay (3L)
HDFC Regalia LTF (3.5L)
Axis Flipkart (1.45L)
Axis Ace (1.45L)
Indusind Legend (3L)
Axis Reserve (6L)

My dream is to get HDFC infinia and other super premium cards in India and abroad.

View attachment 46
Click to expand...
How did you get RubyX ltf?
 
Hi all, I currently hold below credit cards:

1. SBI SimplyCLICK
2. Axis NEO
3. Axis MY ZONE
4. Axis Flipkart
5. RBL BMS PLAY
6. SC Platinum Rewards
7. HSBC Visa Platinum
8. ICICI Amazon Pay
9. ICICI Platinum
10. Yes Bank FinBooster
11. IDFC First Wealth
12. HDFC Regalia First
13. BOB Premier
14. Citibank Rewards
15. OneCard (issued by BOB financial)

Majority of them are LTF and rest having annual fee <= 500.
I have also recently applied for IndusInd Legend (LTF).
Let me know if you have any queries or card suggestions 😉
 
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