💳 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

 

[maulik]

They refund Surcharges and (perhaps) GST for fuel transactions upto 4000 rupees

Right, They refund all surcharge and GST also.

 

[maulik]

It's better to use cashback card for petrol. Can get more than 5% via some hooks

You mean SBI Cashback? Which hooks?

 

[panu24]

I don't think there will be any hooks for using Cashback card to get 5% cashback on petrol.
I also experienced same with ICICI card, Use ICICI card for petrol, you get all the amount (surcharge+gst) back charged to you.

 

[Paritosh]

My portfolio:



Planning to upgrade Regalia to DCB. No plans to get Amex Card as of now.

 

[sv004]

My portfolio:

View attachment 9325

Planning to upgrade Regalia to DCB. No plans to get Amex Card as of now.

Whats ur limit on regalia

 

[PANK]

Pnb Select 88k
Idfc Select 2L
Axis Fk 3L
Axis Airtel 2L
ICICI Apay. 5.3L
ICICI Platinum 2L
Au Vetta. 2L
Hdfc Money Back Plus 1L
Onecard. 1.5L
Indusind Legend. 2L

 

[SPS]

Does anybody hold here ICICI Diamant Credit Card??
I want to listen from that person how does it feel to hold a card after paying a joining fee of almost 1,20,000+GST.

I have it

 

[Shivalik]

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

how did you get Regalia and that too LTF being a student?

 

[Adwait]

how did you get Regalia and that too LTF being a student?

He might be a rich student!

 

[hks789]

how did you get Regalia and that too LTF being a student?

There were pre-approved LTF offers for some people. Also there were some conditions to make the card LTF like (Opting for Addon card, 1 lakh spend in first 90 days, etc)

He might be a rich student!

 

[Bodhi]

I have it

When did you get it and on what basis? Thank you @SPS

 

[SPS]

When did you get it and on what basis? Thank you @SPS

Just approached them and after little follow-up they approved it in 2013

 

[ak95]

My portfolio:
HDFC DCB (LTF)
HDFC Regalia First (LTF)
HDFC Tata Neu Infinity (FYF)
ICICI Amazon Pay (LTF)
ICICI MMT Signature (One time fee)
ICICI Sapphiro (LTF)
Axis Flipkart (LTF)
Axis Airtel (FYF)
Axis Indian oil (Closed, because I had to mail them every month for reward points)
Yes First Preferred (LTF)
AU Vetta (LTF)
IDFC First Select (LTF)
IndusInd Legend (LTF)
SBI SimplyCLICK (LTF converted to LTF recently )
BoB Premier (LTF)

 

[Adwait]

Share your experience, if you don't mind. Income proof, starting experience and later progress. TIA

My first unsecured card was through bankbazaar indusind aura edge, No income proof was needed until now.

 

[souvikdey2002]

Just approached them and after little follow-up they approved it in 2013

how much fees you paid for this one?

 

[Tr7]

My portfolio currently...

HDFC Millenia (LTF)
ICICI Rubyx(LTF)
Kotak League (LTF)
Kotak PVR Gold
IndusInd Platinum (LTF)
SBI SimplyClick
SBI BPCL Rupay

 

[SPS]

how much fees you paid for this one?

in the begening paid full joining fees and than Rs 10000 plus taxes annually. than my request to make it ltf was declined 2 yers b4 so i surrerndered it. lately a senior icici official activated it again with assurance of making it ltf. lets see

 

[SPS]

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

View attachment 22

Slice card is no more a credit card, get it cancelled or it will ruin ur cibil as it will reflect as aloan in ur cibil.

 

[shashifed]

in the begening paid full joining fees and than Rs 10000 plus taxes annually. than my request to make it ltf was declined 2 yers b4 so i surrerndered it. lately a senior icici official activated it again with assurance of making it ltf. lets see

Curious to know your reasoning behind paying such a high joining or for that matter yearly fees. Is there a catch (benefit) for this card that we guys in the forum are missing?

 

[Shivalik]

Here's my portfolio:
1. BOI India MasterCard; 25,000 (LTF)
2. ICICI Amazon Pay; 80,000 ( LTF)
3. Axis Flipkart; 1,02,000 (LTF)
4. HDFC Indian Oil; 2,00,000 (LTF)
5. BOB Premier; 80,000 (LTF)
6. RBL Zomato Edition; 88,000 (LTF)
7. SBI Cashback; 1,65,000 (₹999+GST)

My current CIBIL is 784 wanted suggestions for new card, how about Axis Ace (preferably LTF) ? OneCard (just for a metal card)? IndusInd Aura Edge? Any other suggestions?

Plus i wanted to upgrade my HDFC how should I go about it? I have already tried through net banking but of no use.