💳 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

 

[sv004]

Canara 30000 secured

BoB 65000 LTF

HDFC business moneyback 75000 LTF

HDFC Neu LTF

PNB Rupay Select 75000 LTF

SBI Elite 100000

AmEx MRCC 126000 FYF

RBL World Safari 130000 FYF

Standard Chartered Smart 150000 FYF

Standard Chartered platinum rewards LTF 150000

IDFC classic 162000 LTF

Kotak Zen 180000 LTF

League platinum 180000 LTF

Axis Select 206000 LTF

Axis Atlas 206000

AmEx platinum travel 297000

APay 300000 LTF

Why dont u submit amex statement n increase hdfc limit

 

[V G]

Why dont u submit amex statement n increase hdfc limit

I am submitting IDFC statement but HDFC is not accepting for Limit Enhancement. What to do?

 

[sv004]

I am submitting IDFC statement but HDFC is not accepting for Limit Enhancement. What to do?

I they mailed me sometime back that only amex axis hsbc are recognised for limit increase

 

[neogen]

Mine, a small portfolio

Axis Magnus FYF 10L
Axis Vistara Infinite 10L
Amex Plat Travel 3.76L
HDFC Infinia LTF 25L

 

[anirbanm]

Canara 30000 secured

BoB 65000 LTF

HDFC business moneyback 75000 LTF

HDFC Neu LTF

PNB Rupay Select 75000 LTF

SBI Elite 100000

AmEx MRCC 126000 FYF

RBL World Safari 130000 FYF

Standard Chartered Smart 150000 FYF

Standard Chartered platinum rewards LTF 150000

IDFC classic 162000 LTF

Kotak Zen 180000 LTF

League platinum 180000 LTF

Axis Select 206000 LTF

Axis Atlas 206000

AmEx platinum travel 297000

APay 300000 LTF

 

[praveensudhakaran]

To all who have these many cards,
How are you carrying/storing these cards?
Suggestion for a good card wallet/bag to safe store all cards

 

[anirbanm]

To all who have these many cards,
How are you carrying/storing these cards?
Suggestion for a good card wallet/bag to safe store all cards

 

[RadioactiveTabela]

To all who have these many cards,
How are you carrying/storing these cards?
Suggestion for a good card wallet/bag to safe store all cards

I recently brought one of these to store all sorts of DC / CC / Membership cards lying around: http://dl.flipkart.com/dl/speny-480...roduct.share.pp&lid=LSTCHDFZ9UGFB7PZ9XH8F5FBG

I’m quite happy with it. Don’t need to move the card to read CVV.

Don’t buy on flipkart though, these things cost INR 60 for 240 card holder and INR 95 for 480 card holder in local stationary shops.

 

[metal_heart]

How are you carrying/storing these cards?

Get a visiting card holder diary from stationary shop. It can hold more than 100 cards easily.

 

[Lakshya Mahani]

To all who have these many cards,
How are you carrying/storing these cards?
Suggestion for a good card wallet/bag to safe store all cards

Mein toh Fi debit card wala dabba use karta hu, sahi quality hai😂😂

 

[metal_heart]

Get a greeting card holder diary from stationary

This is what I use.
It probably more than 20 yr old. Dad was using to store visiting cards many years back. Grabbed on to it, when he was clearing up old items.

 

[V G]

Mein toh Fi debit card wala dabba use karta hu, sahi quality hai😂😂

Main bhi.

 

[praveensudhakaran]

Whare can i get this?

 

[TheTrickySid]

Whare can i get this?

Wax Monogram Leather Card Case - Chocolate

With subtle branding on the front and button closure, this card case is designed to allow easy organisation while keeping it stylish. DETAILSGenuine LeatherClosure: Snap ButtonLifetime Service Warranty MEASUREMENTSLength : 11.5 cmWidth : 1 cmHeight : 19.5 cm Interior Details: Slot-2, Card Slot-...

www.damilano.com

 

[xarterx]

Just using three cards, because they are coming a lot handy for me.

HDFC Moneyback+ Rupay card : For offline or UPI Transactions.
Airtel Axis Mastercard : For all online transactions.
ICICI AmazonPay: Used as a backup card or for high value purchases (mostly keep it at home)

 

[Krishna Kumar]

My 3 year journey of CCs:

HDFC Regalia - 8 L - LTF
IDFC First Wealth - 8 L - LTF
RBL Icon - 3.25 L - LTF
ICICI Amazon Pay - 6.1 L - LTF
ICICI Platinum - 6.1 L - LTF
SBI Cashback - 2.5 L - FYF
Axis MyZone - 3.3 L - LTF
Axis Flipkart - 3.3 L - LTF

Applied for SBI SimplyClick for festive offers.

Eyeing for: Infinia/DCB, ICICI Sapphiro, BoB Eterna

My primary banker is HDFC (Imperia account).

 

[kishorvr]

Before you read on:
ICICI Platinum - ₹2,50,000
HDFC Millennia - ₹1,00,000
Axis Privilege/Myzone - ₹99,000 (shared limit)

This is my 14-year long but insignificant credit card journey:

Citibank
2010 (this was a time when I was happy paying only minimum due)
Citibank Titanium (forgot fee but waived off option on spends) - ₹37,000 in April. Increased to ₹55,000 in Jan 2011 then ₹83,250 in April 2015.
In 2016, I took a ₹5,21,000 loan on credit card without bothering about interest rate and without a plan to pay it off (big mistake)

ICICI and Kotak
2015
ICICI Coral (ltf with ₹1.25 lakh funding in saving account) in October
Kotak Urbane (ltf with Kotak salary account) in October
Same with these two. I was happy paying off only minimum due
Along with this, took a ₹1 lakh personal loan with Kotak at 19% interest for two years (without a plan to pay it off)

Lost my job, found but kept losing jobs and freelancing opportunities

2017
Found myself with almost 9 lakhs in debt and my cibil score tanking and talking to the Mariana trench. Struggled through jobs until 2018 July.
November - somehow paid off Kotak loan

2018
December - settled and closed Kotak Urbane

2019
January - Paid off ICICI Coral. Wanted to close, but bank convinced me to downgrade to Platinum - ₹55,000 (ltf).
February - went back to my old ways (had no choice. Had to pay off Citibank debt)

2021
March - Paid off ICICI Platinum. From next month, made regular spends and paying off as I had a stable job. I still am in this job as of July 2023.

2022
Axis Neo - ₹99,000 (250 + GST) with Axis salary account

2023
Axis Neo upgraded to Axis Privilege in Feb 2023/2nd card Axis Myzone in Jan 2023 - ₹99,000 (shared limit)
March 2023 - Paid off Citibank cc and loan on cc
May 2023 - HDFC Millennia - ₹1,00,000 (ltf) with HDFC savings account
ICICI Platinum - limit increased to ₹2,50,000 in June 2023

Note: I wrote the journey first and then wrote the limits later. Apologies for this. Could not help it as this is the first time I am reflecting on my credit journey. Cibil score little above 750. Ready to apply for more cards (mostly ltf) so I can make the list longer and improve cibil score.

 

[suhasa010]

Before you read on:
ICICI Platinum - ₹2,50,000
HDFC Millennia - ₹1,00,000
Axis Privilege/Myzone - ₹99,000 (shared limit)

This is my 14-year long but insignificant credit card journey:

Citibank
2010 (this was a time when I was happy paying only minimum due)
Citibank Titanium (forgot fee but waived off option on spends) - ₹37,000 in April. Increased to ₹55,000 in Jan 2011 then ₹83,250 in April 2015.
In 2016, I took a ₹5,21,000 loan on credit card without bothering about interest rate and without a plan to pay it off (big mistake)

ICICI and Kotak
2015
ICICI Coral (ltf with ₹1.25 lakh funding in saving account) in October
Kotak Urbane (ltf with Kotak salary account) in October
Same with these two. I was happy paying off only minimum due
Along with this, took a ₹1 lakh personal loan with Kotak at 19% interest for two years (without a plan to pay it off)

Lost my job, found but kept losing jobs and freelancing opportunities

2017
Found myself with almost 9 lakhs in debt and my cibil score tanking and talking to the Mariana trench. Struggled through jobs until 2018 July.
November - somehow paid off Kotak loan

2018
December - settled and closed Kotak Urbane

2019
January - Paid off ICICI Coral. Wanted to close, but bank convinced me to downgrade to Platinum - ₹55,000 (ltf).
February - went back to my old ways (had no choice. Had to pay off Citibank debt)

2021
March - Paid off ICICI Platinum. From next month, made regular spends and paying off as I had a stable job. I still am in this job as of July 2023.

2022
Axis Neo - ₹99,000 (250 + GST) with Axis salary account

2023
Axis Neo upgraded to Axis Privilege in Feb 2023/2nd card Axis Myzone in Jan 2023 - ₹99,000 (shared limit)
March 2023 - Paid off Citibank cc and loan on cc
May 2023 - HDFC Millennia - ₹1,00,000 (ltf) with HDFC savings account
ICICI Platinum - limit increased to ₹2,50,000 in June 2023

Note: I wrote the journey first and then wrote the limits later. Apologies for this. Could not help it as this is the first time I am reflecting on my credit journey. Cibil score little above 750. Ready to apply for more cards (mostly ltf) so I can make the list longer and improve cibil score.

That's indeed a difficult journey. Glad that you're debt free and holding a stable job. Wish you all the best in your future 😇

 

[suhasa010]

My cards so far focused mostly on LTF

ICICI Amazon Pay (LTF) - Using for petrol
ICICI Coral (LTF)
Axis Flipkart (LTF) - Using this for all offline due to 1.5% cashback
Axis My Zone (LTF)
IDFC First Select (LTF)
RBL Zomato (LTF)
HSBC Cashback (LTF)
BoB Premier ( LTF)
Indusind Platinum (LTF)
SBI Cashback (Paid) - Using this for all online

Tried getting below but application was Rejected/Pending

AU LIT (LTF) - Likely bcoz VKYC was done from different location

Axis IOCL (LTF) likely due to back to back applied with My Zone without
cool off period.

Standard Chartered Ultimate (Paid) - Online Rejected just after clicking submit

PNB Rupay Select (Paid) - Application Pending

Onecard (LTF) - KYC Pending

Can you please explain the process of getting HSBC Cashback Card as LTF?

 

[chdguy1980]

Main bhi.

Share photo please?