💳 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

 

[SmartSave]

 

[pxg]

Looks good but don't know what to say,

22, Self Employed, Monthly 50k spends, 4 Paid Cards with fee 1860 or spends required for waiver 6L ..

Anyway, Good luck and don't miss the payment.

I am using CCs since I turned 18 (secured) + BNPL since 17 (got a minor PAN card at 16), no missed payments yet 🙂

My cashback for last year with just Millenia and Amazon Pay was 12k+ so I don't really mind the annual fees given that these paid cards will easily pay for themselves many times over.

Are you salaried??

No, if I had the same take home amount as a salaried person then CC applications would be much easier 🙁

I am a contractor, so I do have a stable monthly income. I use 44ADA presumptive taxation for filing so my income on ITR is quite low + not many benefits apart from a few paid leaves.

 

[anonymuos]

I am using CCs since I turned 18 (secured) + BNPL since 17 (got a minor PAN card at 16), no missed payments yet 🙂

My cashback for last year with just Millenia and Amazon Pay was 12k+ so I don't really mind the annual fees given that these paid cards will easily pay for themselves many times over.

No, if I had the same take home amount as a salaried person then CC applications would be much easier 🙁

I am a contractor, so I do have a stable monthly income. I use 44ADA presumptive taxation for filing so my income on ITR is quite low + not many benefits apart from a few paid leaves.

Ah that is impressive. You have a good solid credit history already for 4-5 years that's why the headstart on unsecured CCs with big limits. Well done. I started with CCs at the age of 38 and "rushed" and got around 17 of them in 2 years. If only someone had guided me but they always told me credit cards were dangerous 🙁

 

[devine_mortal]

I've had Sub 20L spends on Regalia last FY and the buggers won't even consider enhancing the limit or the upgrade of the card. CC Team promised I'll get the Infinia offer if I spend just 7.5L in 6 months and despite exceeding, they won't consider. I had them say it verbally via RM which is why I have no records to put a claim. Now reading several posts, it seems like the limit needs to be enhanced first before I can work on the spends, otherwise it doesn't seem like it's gonna work.

I think the limit needs to be around 8L before you can upgrade. You mentioned it was 20L.. typo maybe?

 

[niks]

View attachment 29042

Nicely tabulated. Is this in Excel or some app?

 

[TheTrickySid]

Nicely tabulated. Is this in Excel or some app?

It's an website/app called Notion

 

[SmartSave]

I think the limit needs to be around 8L before you can upgrade. You mentioned it was 20L.. typo maybe?

Spends, not typo. FL is sub 7L (Which is why I probably didn't get the offer but the team should've clearly said it -- I was only told spends needed). This is my primary card and all biz spends were put on this card back then (I've started to diversify now).

Nicely tabulated. Is this in Excel or some app?

Thanks. It's Notion app's Table view.

 

[sudhirsiddhi]

Cibil history around 1.3 yrs old hai, and sirf credit cards hi active hain cibil par

Aapne first credit card kon sa liya tha and aapko highest limit first time kaise mila

 

[nikhil.b]

Aapne first credit card kon sa liya tha and aapko highest limit first time kaise mila

Had a Classic salary account with HDFC with salary credit of. 1 lakh, hence got DCP LTF with 4.27Lakhs

 

[fubar112233]

1. HDFC Millenia - 5L (paid but already hit spend waiver)
2. HDFC Tata Neu Infinity - 5L (shared) (paid but already hit spend waiver)
3. ICICI Amazon Pay - 5.1L (LTF)
4. ICICI Platinum - 5.1L (Shared)(LTF)
5. IDFC Wealth - 5L (LTF)
6. Axis Flipkart - 2L (LTF)
7. Kotak League - 6L (LTF)
8. Sbi Simplyclick - 1.34L (paid but already hit spend waiver)
9. SBI Yatra - 50k (590)

 

[pride1760]

Would you mind sharing how did you get emeralde and infinia ltf and with such generous limit?

I had long term (>10yrs) banking relationships with both ICICI Bank and HDFC Bank (Savings and Current accounts).

One fine day, I got a pre-approved offer for LTF Infinia in netbanking with 10lac limit. After two months, I exceeded the limit twice in the same month and got the option to increase the limit to 25lacs.

(3yrs later) For Emeralde, I read this forum and understood that NRV of 2Cr is required. Contacted my RM and told him upfront that I wanted Emeralde LTF and I will be keeping the required NRV for a week at most. He agreed and got me Emeralde LTF.

 

[harsh1387]

Icici Amazon pay LTf (5.1lac)
Icici Platinum LTF (5.1lac)
Sbi Elite 5.9k (2.2lac)
HDFC Business Moneyback LTF (1.58lac)
HDFC Neu Infinity LTF (1.58lac)
Amex Smartearn fyf (2.3lac)
PNB Platinum rupay ltf (50k)

Will try to get business Moneyback upgraded to Millenia soon.

Wife's card which I only use-

Icici Amazon pay ltf (8.2lac)
Icici platinum ltf (8.2lac)
Icici coral Rupay ltf (8.2lac)
Hdfc indigo ltf (4.6lac)
Hdfc neu infinity ltf (4.6lac)
Sbi simply save ltf (50k)
Amex MRCC fyf ( 2 lac)
Axis flipkart 500 ( 4.2lac)

I only try getting cards which are useful in some way. No interest in collecting cards for sake of it.

 

[Riya Sharma]

Icici Amazon pay LTf (5.1lac)
Icici Platinum LTF (5.1lac)
Sbi Elite 5.9k (2.2lac)
HDFC Business Moneyback LTF (1.58lac)
HDFC Neu Infinity LTF (1.58lac)
Amex Smartearn fyf (2.3lac)
PNB Platinum rupay ltf (50k)

Will try to get business Moneyback upgraded to Millenia soon.

Wife's card which I only use-

Icici Amazon pay ltf (8.2lac)
Icici platinum ltf (8.2lac)
Icici coral Rupay ltf (8.2lac)
Hdfc indigo ltf (4.6lac)
Hdfc neu infinity ltf (4.6lac)
Sbi simply save ltf (50k)
Amex MRCC fyf ( 2 lac)
Axis flipkart 500 ( 4.2lac)

I only try getting cards which are useful in some way. No interest in collecting cards for sake of it.

Does your wife earn more than you?

 

[harsh1387]

Does your wife earn more than you?

Let's put it this way.
She is salaried and on a good profile so easy to get cards approved and most of her cards are old ones.
I am self employed and i was using only ICICI cards till last October. Others I have gotten since then. Next on my list is AU zenith card which I will apply next month as got 8 inquiries since last month so got to cool down.

 

[0xfallup]

Does your wife earn more than you?

indeed a ☕ question

 

[anonymuos]

Let's put it this way.
She is salaried and on a good profile so easy to get cards approved and most of her cards are old ones.
I am self employed and i was using only ICICI cards till last October. Others I have gotten since then. Next on my list is AU zenith card which I will apply next month as got 8 inquiries since last month so got to cool down.

Yup salaried get CCs more easily than self-employed (more rejections) despite showing them ITR.

 

[harsh1387]

Yup salaried get CCs more easily than self-employed (more rejections) despite showing them ITR.

True.
In my case I am not available in my office all the time. Axis office verification failed because of this as they weren't ready to do it another day. So, I have to be careful while applying for cards regarding verification procedure.

 

[raviemailid]

Isn't it difficult to maintain so many credit cards? I have the below list and I am planning to close a few:

1. HDFC Infinia Visa
2. HDFC Regalia Visa
3. HDFC Tata Neu Infinity Rupay Select (need to have 1 Rupay)
4. ICICI Amazon Pay Visa (this one has the max 15L limit)
5. ICICI Coral visa (my first credit card against FD - I will be cancelling it)
6. Axis Flipkart Mastercard
7. Axis Atlas Visa
8. Axis Magnus Visa (CANCELLED after devaluation)
9. SBI BPCL Octane Visa (for fuel, gives 7.25% back)
10. IndusInd Legend Visa
11. Kotak Royal Visa
12. RBL Shoprite Visa

 

[maulik]

Updating latest

1. ICICI Apay Visa LTF
2. ICICI Saphhiro Visa LTF
3. ICICI Coral Rupay LTF
4. Axis Flipkart Visa LTF
5. Axis Myzone Visa LTF
6. Axis Airtel Master Card PAID
7. HDFC Dinners club black Visa LTF
8. IDFC First Select Visa LTF
9. AU LIT VISA LTF
10. HSBC VISA Platinum LTF
11. SBI Cashback PAID
12. Standard Chartered Ultimate Mastercard PAID
13. INDUSIND Visa Platinum LTF
14. Kotak League Visa Platinum LTF
15. One card Visa LTF
16. RBL Shoprite Visa LTF
17. BoB Premier Visa LTF

Thinking of closing SBI Cashback next year ( this year already achieved 2L milestone)

 

[vaibhavpp0707]

My Credit Card Portfolio

1. HDFC IOCL - 1,21,000 - LTF
2. Axis Flipkart - 80,000 - LTF
3. Axis Ace - 2,00,000 - 500₹
4. Axis MyZone - 35,000 - LTF
5. ICICI Platinum - 4,00,000 - LTF
6. ICICI Amazonpay - 2,10,000 - LTF
7. SBI SimplyClick - 2,54,000 - LTF
8. SBI Cashback - 2,54,000 - 1000₹
9. Citi Rewards - 90,000 - LTF
10. Kotak Zen - 1,90,000 - LTF
11. BOB Premier - 75,000 - LTF
12 BOB HPCL Energie - 75,000 - 500₹
13 One Metal Card - 1,80,000 - LTF
14 IDFC Millennia First - 76,000 - LTF
15 Indusind Legend - 86,000 - LTF
16 HSBC Visa Platinum - 1,50,000 - LTF

I wish to add Amex MRCC, One of RBL bank Card, Standard Chartered Ultimate, One of AU bank Card

Updated Card portfolio from January 2023

1. HDFC IOCL Rupay- 2,20,000 - LTF
2. HDFC Tata Neu Plus - 2,20,000 - LTF
3. Axis Flipkart - 3,00,000 - LTF
4. Axis Ace - 3,00,000 - 500₹
5. Axis MyZone - 3,00,000 -LTF
6. ICICI Platinum - 4,00,000 - LTF
7. ICICI Amazonpay - 2,10,000 - LTF
8. ICICI MMT Visa Signature - 4,00,000 - LTF
9. ICICI Coral Rupay - 4,00,000 - LTF
10. SBI SimplyClick - 2,54,000 - LTF
11. SBI Cashback - 2,54,000 - 1000₹
12. Citi Rewards - 90,000 - LTF
13. Kotak Zen - 6,00,000 - LTF
14. Kotak League Platinum Rupay - 6,00,000 - LTF
15. BOB Premier Rupay- 97,500 - LTF
16. BOB HPCL Energie Rupay- 97,500 - 500₹
17. BOB Snapdeal Rupay - 97,500 - 250₹
18. One Metal Card - 1,80,000 - LTF
19. IDFC Millennia First - 76,000 - LTF
20. Indusind Legend - 1,03,200 - LTF
21. HSBC Visa Platinum - 3,00,000 - LTF
22. RBL World Safari - 1,53,000 - LTF
23. Amex MRCC - 4,80,000 - 1500₹
24. PNB Rupay Platinum - 50,000 - LTF
25. AU Bank Lit - 3,00,000 - LTF
26. AU Instapay UPI- 1,00,000 - LTF
27. Standard chartered Smart - 3,20,000 - FYF - 500₹
28. Kotak Rupay UPI Virtual - 6,00,000 - LTF

Wife's Cards
29. HDFC Millennia - 1,00,000 - LTF
30. Airtel Axis - 49,000 - 500₹
31. Indusind Legend - 1,00,000 - LTF
32. Scapia Federal - 50,000 - LTF
33. AU Xcite Ace - 2,00,000 - LTF
34. Standard chartered EaseMyTrip - 90,000 - FYF - 350₹