💳 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

 

[AritraSaha]

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.

Here is the small list of my card.

• HDFC DCB (LTF)
• HDFC Infinia (LTF)
• HDFC Tata Neu Infinity (LTF)
• Amex MRCC (LTF)
• Yes Bank First Exclusive (LTF)
• ICICI Platinum (Secured / LTF)
• ICICI Amazon Pay (LTF)
• ICICI Sapphiro (LTF)
• IDFC Wealth (LTF)
• IDFC WOW (Secured / LTF)
• BOB Eterna (LTF)
• Kotak League (LTF)
• IndusInd Legend (LTF)
• HSBC Visa Platinum (LTF)
• AU Bank Zenith (LTF)
• RBL Zomato Classic Edition (LTF)
• Axis MyZone (LTF)
• Onecard (BOB) (LTF)
• PNB Rupay Select (500/yr)
• Union Bank Rupay JCB Select Wellness (999/yr)
• Citi Paytm First (500/yr)
• Axis Flipkart (500/yr)
• SBI Simply Click (500/yr)
• StanC Ultimate (5000/yr)

Happy to help.

Small?!

Now thats just flexing.💪😝

Here's my 1 Month Old Baby Portfolio

CIBIL around 759 (716 Right Now - quite a few inquiries so) at the time of applying everything

1) OneCard Secured CC (5.5k - just wanted to build something) - LTF
2) Slice 15k LTF
3) Paytm Postpaid 10k (not exactly CC but wanted you guys suggestion)
4) Axis FK 15k - Rs.590 P.A
5) Axis Neo 15k - Rs.295 P.A ( CC had called and said im eligible so applied on call)
6) FK Paylater NBFC - 40k (Thinking to close this as every EMI Txn is creating a separate Personal loan account, what do you suggest?)
7) Zest Money - 45k ( Decent 3 Month No Cost EMI option but it triggers CIR for every large Txn)
8) Money View platinum Card - 10k - LTF
9) LazyPay - 20k - LTF (only for offers)
10) Freecharge PayLater (Closed)
11) Oldest Account - Amazon Pay later - 30k (Closed - Delayed 2 EMI at the start of COVID)

in Progress

1) RBL Shoprite LTF
2) Axis My Zone LTF

i can't really produce income proof as Student (Freelance Web/Graphics Designer) hence cant really get alot of LTF cards.

suggestions are welcome...

Close all the nbfc & bnpl things,
Your cibil will fill with personal loan.

 

[hariharan]

My CC portfolio:

• DCB (12L)
• SC Ultimate (10L)
• IndusInd Pinnacle (One-time fee) (5L)
• IDFC Wealth (LTF) (5L)
• ICICI Sapphiro - MC & Amex (LTF) (48L)
• ICICI HPCL Super Saver (LTF) (48L)
• ICICI APay (LTF) (22L)
• Federal Bank Imperio (LTF) (2.6L)
• Kotak League (LTF) (2.5L)
• RBL Paisabazaar Duet (LTF) (2.5L

 

[suhasa010]

My CC portfolio:

• DCB (12L)
• SC Ultimate (10L)
• IndusInd Pinnacle (One-time fee) (5L)
• IDFC Wealth (LTF) (5L)
• ICICI Sapphiro - MC & Amex (LTF) (48L)
• ICICI HPCL Super Saver (LTF) (48L)
• ICICI APay (LTF) (22L)
• Federal Bank Imperio (LTF) (2.6L)
• Kotak League (LTF) (2.5L)
• RBL Paisabazaar Duet (LTF) (2.5L)

48L limit!!!
How? High NRV with ICICI?

 

[kautilya]

I'm unable to get credit cards apart from any other bank where I don't have an existing relationship.

I think it's because of my employment. I work for a US-based company on a monthly Salary. Though I have a high salary since the company is not registered in India and Indian banks require office addresses within some 80kms of my home location to issue credit cards maybe they think of it as a security when I apply for the card but it most of the time gets rejected.

Is anyone also facing this issue? Any fixes? I recently applied for an SBI BPCL Octane card (any other recommendations are welcome) for fuel purchases and it was declined. My credit history is of 4+ years with a Good credit score. 750+ in CIBIL.

any thoughts as to how to overcome this?

Are you applying as salaried person? You are not salaried person - you come in the category of self employed. Apply as self employed & the documents required for that are different compared to salaried. I'm assuming you issue invoices to your company and have a CA who handles your books & you pay advance tax & file ITRs, etc. In that case you should not have any issues.

For the office address, you can give same address as where you live. Since you are self employed, that will work.

If you use a coworking space like WeWork, Springboard etc. then you can also use that location as your office address as well. The coworking spaces allow you to provide their address as your office address and receive any mail/couriers on your behalf (which do not need your specific signature) for a small fee.

 

[Hoozy]

My CC portfolio:

• DCB (12L)
• SC Ultimate (10L)
• IndusInd Pinnacle (One-time fee) (5L)
• IDFC Wealth (LTF) (5L)
• ICICI Sapphiro - MC & Amex (LTF) (48L)
• ICICI HPCL Super Saver (LTF) (48L)
• ICICI APay (LTF) (22L)
• Federal Bank Imperio (LTF) (2.6L)
• Kotak League (LTF) (2.5L)
• RBL Paisabazaar Duet (LTF) (2.5L)

Can u share icici sapphiro credit limit image. If u don’t mind , i have never seen a credit this high other than amex

 

[hariharan]

48L limit!!!
How? High NRV with ICICI?

Possibly. I have a Wealth Select account and a 16+ years relationship with ICICI. Unfortunately, I don't even use the Sapphiro cards because of their very low reward rate.

 

[hariharan]

Can u share icici sapphiro credit limit image. If u don’t mind , i have never seen a credit this high other than amex

 

[hariharan]

How did u get this limit? Can u share your story of limit enhancement?

Not sure why they did it. I never asked for a limit enhancement. Nor was it based on the CC usage as I don't even use this card. Probably, they just increased it as I had a high TRV (Wealth Select account) with them.

 

[Hoozy]

how did u get so high limit. Can u share ur limit enhancement story and trick to get this kind of limit?

ICICI Saphhiro - 40L
HDFC infinia pvc - 15L
IDFC wealth - 10L
Yes first exclusive - 9.5L
Citi rewards - 6L

 

[Hoozy]

ICICI Saphhiro - 40L
HDFC infinia pvc - 15L
IDFC wealth - 10L
Yes first exclusive - 9.5L
Citi rewards - 6L

How did you get this 40lac limit? Can u share trick to get this kind of limit?

 

[magnusfan]

My portfolio:
ICICI Amazon Pay
ICICI Emeralde (just cancelled)
BoB ICAI
HDFC Infinia (only use for vouchers now)
Axis Magnus (max usage)
Amex Platinum Travel (usage upto 4 L)
Amex Platinum Charge (mainly for Marriott Gold)

 

[Cardmarvel]

How did you get this 40lac limit? Can u share trick to get this kind of limit?

There is no trick. He must be having annual income in crores 😊

 

[neogen]

My updated portfolio:

Axis Atlas - Paid, Limit 10L
Axis Magnus - FYF, Limit 10L
Axis Vistara Infinite - Paid, Limit 10L
HDFC Infinia - LTF, Limit 25L
Amex Plat Travel - Paid, Limit 3.76L
SBI SimplyClick, Paid, Limit 5L

 

[Deleted member 16965]

My updated portfolio:

Axis Atlas - Paid, Limit 10L
Axis Magnus - FYF, Limit 10L
Axis Vistara Infinite - Paid, Limit 10L
HDFC Infinia - LTF, Limit 25L
Amex Plat Travel - Paid, Limit 3.76L
SBI SimplyClick, Paid, Limit 5L

Portfolio bahut accha hai.... Sab mein 100% default karke London settle bhi ho sakte hain

 

[jack333]

Portfolio bahut accha hai.... Sab mein 100% default karke London settle bhi ho sakte hain

Bhai is hisab se to technofino and anirban dada apna khud ka island bhi le sakte hain 🤣

 

[Deleted member 16965]

Bhai is hisab se to technofino and anirban dada apna khud ka island bhi le sakte hain 🤣

Island ke liye utni limit nahi thi isliye London likha tha

 

[Strange]

Prepaid Cards;

Paytm Wallet and Transist

How did you get apply option for this card?

 

[sxchzy]

How did you get apply option for this card?

apply in paytm app
you will get an option

 

[Strange]

apply in paytm app
you will get an option

I never got option to apply that's why I asked him.

 

[sxchzy]

I never got option to apply that's why I asked him.

paytm wallet
search transit card