💳 Share & brag your cards portfolio here! 🤑

[jatinkrmalik]

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

 

[qwert]

Started cc career in 2023, Currently have 5 active card. After recent devaluation planning to get one good travel and cashback card. My Cibil jumps in between 755-765

CC Name	Limit	Annual Fees	Holding Since	Status
ICICI Coral	200000	LTF	2023​	active
ICICI Amazon Pay	200000	LTF	2023​	active
HDFC Moneyback plus	127000	500 +GST	2023​	active
SBI Pulse	190000	1499+GST	2024​	active
Axis Myzone	110000	LTF	2024​	active
HDFC Tata Nue plus	127000	499 +GST	2023​	closed
SCB Platinum Rewards	25000	250+GST	2023​	closed

Any recommendation or suggestion is welcome.

View attachment 54473

Hello, Got few new cards so here is the updated list. I am planning to optimize cards according to my need. Most of my expenses are covered but there are few cards I am planning to get in 25:

1. SBI Cashback --> mostly for cashback, If I get this one will close current sbi pulse
2. HDFC Swiggy --> I use swiggy quite alot
3. Atlas --> I am planning an international trip so one good travel card is necessary.
4. Amex --> if I didn't able to get Atlas.

CC Name	Limit	Annual Fees	Holding Since	Status
ICICI Coral	200000	LTF	2023	active
ICICI Amazon Pay	200000	LTF	2023	active
SBI Pulse	280000	1499+GST	2024	active
Axis Myzone	450000	LTF	2024	active
ixigo AU	125000	LTF	2024	active
Tata Neu Infinity	205000	LTF	2024	active
HDFC Millenia	205000	FYF	2024	active
Kiwi Yes Bank	154000	LTF	2024	active
HDFC Moneyback plus	127000	500 +GST	2023	closed
HDFC Tata Nue plus	127000	499 +GST	2023	closed
SCB Platinum Rewards	25000	250+GST	2023	closed

​

 

[cardio_guy]

All are LTF. (will be closing HSBC platinum soon)

 

[vaibhavshukla]

2024 End updated list:

Axis Magnus for Burgundy LTF
Axis Flipkart LTF
HDFC Infinia Metal LTF
HDFC DCB FYF (didn't get charge yet after 2 years due to meeting Spend criteria)
AU Zenith LTF
Amex Plat Travel FYF (will be negotiating fee with Amex this Feb)
BOB Eterna LTF
BOB Snapdeal Paid (will be closing soon)
Citi Indian Oil LTF / Axis Indian Oil premium LTF
HSBC Cashback FYF (didn't get charge yet after 2 years due to meeting Spend criteria)
IDFC Wealth LTF
ICICI Sapphiro LTF
Kotak White LTF
OneCard Metal LTF
RBL World Safari FYF (Annual charges waived off again by CC)
SBI cashback FYF (didn't get charge due to meeting spend criteria)
SBI Simply Click LTF
SC Smart FYF (didn't get charge due to meeting spend criteria)
Yes First Exclusive(Reserve) LTF - Will try for Marquee upgrade coming year
IndusInd legend LTF (closed)
Slice LTF (Closed)
HDFC Tata Neu Infinity LTF (Closed)

Newly Added-
Indusind Tiger LTF
HDFC Pixel plus LTF
PNB Select (Almost LTF with joining fee of 500/-)
ICICI Coral Rupay LTF

Total Limit 1.6Cr+

 

[sumit_yadav]

2024 End updated list:

Axis Magnus for Burgundy LTF
Axis Flipkart LTF
HDFC Infinia Metal LTF
HDFC DCB FYF (didn't get charge yet after 2 years due to meeting Spend criteria)
AU Zenith LTF
Amex Plat Travel FYF (will be negotiating fee with Amex this Feb)
BOB Eterna LTF
BOB Snapdeal Paid (will be closing soon)
Citi Indian Oil LTF / Axis Indian Oil premium LTF
HSBC Cashback FYF (didn't get charge yet after 2 years due to meeting Spend criteria)
IDFC Wealth LTF
ICICI Sapphiro LTF
Kotak White LTF
OneCard Metal LTF
RBL World Safari FYF (Annual charges waived off again by CC)
SBI cashback FYF (didn't get charge due to meeting spend criteria)
SBI Simply Click LTF
SC Smart FYF (didn't get charge due to meeting spend criteria)
Yes First Exclusive(Reserve) LTF - Will try for Marquee upgrade coming year
IndusInd legend LTF (closed)
Slice LTF (Closed)
HDFC Tata Neu Infinity LTF (Closed)

Newly Added-
Indusind Tiger LTF
HDFC Pixel plus LTF
PNB Select (Almost LTF with joining fee of 500/-)
ICICI Coral Rupay LTF

Total Limit 1.6Cr+

One question that will pop up from this list.

How did you get Infinia LTF?

 

[helloworld]

One question that will pop up from this list.

hints:
dcb, cashback (hsbc & sbi), smart - waived with spends

m4b ltf.

 

[vaibhavshukla]

One question that will pop up from this list.

It's my wife's card which she got 3 years back as LTF through her RM. however she hardly uses it

 

[sumit_yadav]

It's my wife's card which she got 3 years back as LTF through her RM. however she hardly uses it

The reason is that it is LTF and you don't have the burden to justify the fees.

I have both Infinia (Paid) and M4B (LTF) and in general base reward for M4B is higher as compared with Infinia but still using Infinia at all the places.

 

[kuchbhi]

All are LTF. (will be closing HSBC platinum soon)

why saphirro visa why not dual?

 

[cardio_guy]

why saphirro visa why not dual?

I got visa variant and didn't bother to request for changing to dual. I just use it only for B1G1 offer once in two months. It's amazing. 1000 rs flat off when 4 of us book ticket. Apart from this, no other use of this card.

 

[kuchbhi]

I got visa variant and didn't bother to request for changing to dual. I just use it only for B1G1 offer once in two months. It's amazing. 1000 rs flat off when 4 of us book ticket. Apart from this, no other use of this card.

10 % icici bank discounts on sale not to mention

 

[vaibhavshukla]

The reason is that it is LTF and you don't have the burden to justify the fees.

I have both Infinia (Paid) and M4B (LTF) and in general base reward for M4B is higher as compared with Infinia but still using Infinia at all the places.

Totally agree, M4B is way better if you have good amount of spend.

 

[CyberPsych]

My cards:

ICICI Amazon Pay
HDFC Millenia
IndusInd Legend
ICICI Coral Rupay
HDFC Tata Neu Infinity
SBI BPCL
Axis Ace
Axis MyZone
ICICI HPCL Super Saver
SBI Cashback

Ace, BPCL and Cashback cards are chargeable. Will close Ace before next renewal and ask for BPCL LTF.