💳 Share & Brag your Credit 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

 

[praful1947]

yes, it's a bsbda ac. Not the small one, it's BSBDA full kyc normal ac

Have you received any loan offers , credit card offers ?
It's already 8 months

 

[aishwarya]

Have you received any loan offers , credit card offers ?
It's already 8 months

CC offer for the Pixel play I got in internet banking. but it came chargeable. after that no other offer.

 

[praful1947]

CC offer for the Pixel play I got in internet banking. but it came chargeable. after that no other offer.

If would recommend to convert to normal or savings max account.

You can also wait till March end , you might get freedom or moneyback

 

[aishwarya]

If would recommend to convert to normal or savings max account.

You can also wait till March end , you might get freedom or moneyback

okay, i'll see... I dont want to convert it although but in worst case i will

 

[IDontThinkSo]

@vaibhav111 I think its better to merge this thread under:

Thread '💳 Share & Brag your Credit Cards portfolio Here! 🤑'

Feb 21, 2022

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

...

• jatinkrmalik
• cards credit card credit card portfolio credit cards creditcardcashback creditcardperks creditcardrewards creditcards finance
• Replies: 2,819
• Forum: Credit Card - General

• 

 

[praful1947]

okay, i'll see... I dont want to convert it although but in worst case i will

In that case wait , someone told that he got cc on BSBDA account so wait .

IF you get freedom, moneyback+ , millennia take only these three because it's a core card rest are cobranded which will not work in sale .

Avoid pixel at any cost .

 

[Card doctor]

Card i Hold at present

Axis

Axis magnus Burgundy : my primary card
Axis select : rare use

Hdfc
Infinia: for smartbuy spends and school and insurance payement

Bizblack : Tax payement

Tata nue infinity: Upi

Sbi
Octane : fuel

Card that i have closed

Amex

Travel platinum : no fee waiver based on spends now

Platinum charge : not able to make full use of fee vs rewards

MRCC : as had too many cards

Icici

Amazon pay : Infinia and Magnus give better reward so closed

Manchester united : was not using

Axis

Neo
My zone
Privilage
IOCL

All closed as I had better cards

Idfc

Select: closed not useful

One Card

Federal bank one Card: closed not useful

 

[Card doctor]

Axis ACE and SBI simply click
Hdfc Regalia ( afte upgrade to Infinia)
Are closed as well

 

[irajnish]

ICICI MMT Platinum
ICICI Amazon Pay

HDFC Millennia
HDFC Tata Neu Plus


Axis Flipkart Axis Airtel (Both Paid)
Amex Privilege

Kotak League Platinum
RBL Xtra (Paid)
BoB Easy

 

[aishwarya]

In that case wait , someone told that he got cc on BSBDA account so wait .

IF you get freedom, moneyback+ , millennia take only these three because it's a core card rest are cobranded which will not work in sale .

Avoid pixel at any cost .

Okay sure. Thanks for the info

 

[praful1947]

Okay sure. Thanks for the info

Welcome

 

[vaibhavj]

ICICI
1. EPM - flights, hotels, vouchers
2, 3. Sapphiro (MC and Amex) - BMS B1G1
4. Coral
5. APay

IDFC
6. Mayura - Forex transactions
7. Club Vistara
8. Wealth- District B1G1

SBI
9. Cashback - Go to card for online payments.
10. BPCL

Axis
11. Vistara Signature - 4k Maharaja Points 😉
12. Neo
13. MyZone

HSBC
14. Live+ - Grocery and restaurants
15. Platinum

BOB
16. Premier
17. Snapdeal

HDFC
18. Swiggy - As the name suggests. 🙂
19, 20. Pixel Play (Visa and RuPay)
21. Tata Neu Plus (in process)

IndusInd
22. Legend
23. EazyDiner Platinum - Restaurants
24. RuPay Platinum

Others
25. AU Xcite Ultra
26. DBS Spark5 - BMS B1G1
27. CSB Jupiter Edge+ - 10% CB on Ajio, Zudio, Myntra, etc.
28, 29. Yes Finbooster (Visa and RuPay)
30. RBL Shoprite
31. Utkarsh Super Money - UPI transactions.
32. Suryoday Stable Money RuPay Select - spa
33. IOB RuPay Select
34. Standard Chartered Platinum Rewards - most useless card tbh. 😑
35. Federal Onecard
36. Unity Roarbank

Discontinued
Axis Ace (my first CC ❤️)
IDFC Ashva
HDFC PayTM Select
SBM Niyo Global

May Apply
ICICI MMT
HSBC RuPay Platinum and Cashback

A lot of my cards are mainly for bank and RuPay discounts, especially for buying gold coins.

 

[cardio_guycardio_guy is verified member.]

My updated list of cards as of October 2025:

Daily Drivers (Primay cards):

• Axis Atlas (Rs 5900/-)
  • Uses: Offline swipe, GiftEdge vouchers, Education fees
  • Milestone: 3L, 7.5L, 15L
• Amex Platinum Travel (Rs 5900/-)
  • Uses: Offline swipe, Rewards Multiplier vouchers, insurance spends
  • Milestone: 1.9L, 4L
• HDFC Marriott Bonvoy (Rs 3540/-)
  • Uses: Offline swipe, insurance spends
  • Milestone: 6L, 9L, 15L, Other time-to-time offers.

Cashback Kings:

• HDFC Swiggy (LTF)
  • Uses: Instamart, Dineout
  • Limits: 10% upto 1500
• HDFC Tata Neu Infinity (LTF)
  • Uses: Bigbasket grocery, AIX flight, Taj hotels,
  • Utility: Insurance, gas, water, electricity, other Neu spends
  • Limits: 5 - 10% neu coins
• ICICI Amazon Pay (LTF)
  • Uses: Amazon purchases
  • Limits: 5% cashback

Drawer/Idle Cards (Only for specific uses):

• HDFC Freedom (Rs 590/-)
  • Uses: Waiting for upgrade
• ICICI Sapphiro (LTF)
  • Uses: BMS BOGO
• Indusind Tiger (LTF)
  • Uses: BMS BOGO
• IDFC First Wealth (LTF)
  • Uses: Visa Infinite offers

To Be Closed Soon:

• Federal Celesta (LTF)

 

[hellowo₹ld]

My updated list of cards as of October 2025:

Daily Drivers (Primay cards):

• Axis Atlas
• Amex Platinum Travel
• HDFC Marriott Bonvoy

Cashback Kings:

• HDFC Swiggy
• HDFC Tata Neu Infinity
• ICICI Amazon Pay

Drawer/Idle Cards (Only for specific uses):

• HDFC Freedom
• ICICI Sapphiro
• Indusind Tiger
• IDFC First Wealth

To Be Closed Soon:

• Federal Celesta

I think along Celesta, u can close Wealth and Apay too. Ur not loosing much, and can definitely get these cards later (if really required).

 

[cardio_guycardio_guy is verified member.]

I think along Celesta, u can close Wealth and Apay too. Ur not loosing much, and can definitely get these cards later (if really required).

Thank you. I agree.
You had given me practical and valuable suggestions to me around 1-2 years back.
I was late to realize. Better late than never.

 

[hellowo₹ld]

Thank you. I agree.
You had given me practical and valuable suggestions to me around 1-2 years back.
I was late to realize. Better late than never.

Also, are they not even agreeing to provide mb+ or millennia as an upgrade?

 

[Giyu-san]

My list of cards and use cases as of October 2025.

Primary card (80% of all yearly spends)
Axis Atlas Visa - for all eligible online and offline purchases and payments

Cards for specific regular use (15% of all yearly spends)
AMEX Platinum Travel - Insurance premiums and Mobikwik Wallet loading (until 4L)
AMEX Gold Charge and AMEX MRCC - To buy 6k each Amazon Pay GVs per month (for bill payments), and wallet loads post 4L by APT
ICICI Amazon Pay Visa (LTF) - Amazon purchases
Axis IndianOil Rupay (LTF) - Fuel (up to Rs.5000 a month)

Cards for occasional specific uses (less than 5% of all yearly spends)
SBI Card IRCTC Visa - Train tickets
IDFC First Ashva Visa - Movie tickets and Visa Infinite offers
HDFC Diners Club Privilege (LTF) - Movie tickets
Standard Chartered Smart Visa - Government spends, and insurance premiums post 4L by APT
BoB Premier Rupay (LTF) - In case of high value UPI payments

Not being used
IDFC First Select Visa (LTF)
ICICI Rubyx MasterCard and AMEX dual (LTF)

All cards used for bank specific offers.
UPI payments via Amazon Pay wallet (Loaded on Mobikwik from AMEX, transferred to bank, then loaded into Amazon Pay wallet).

This has been my routine ever since Magnus died. It doesn't seem like it is not going to change anytime soon as I am not eligible for any better cards than in this list.

 

[IDontThinkSo]

My list of cards and use cases as of October 2025.

Primary card (80% of all yearly spends)
Axis Atlas Visa - for all eligible online and offline purchases and payments

Cards for specific regular use (15% of all yearly spends)
AMEX Platinum Travel - Insurance premiums and Mobikwik Wallet loading (until 4L)
AMEX Gold Charge and AMEX MRCC - To buy 6k each Amazon Pay GVs per month (for bill payments), and wallet loads post 4L by APT
ICICI Amazon Pay Visa (LTF) - Amazon purchases
Axis IndianOil Rupay (LTF) - Fuel (up to Rs.5000 a month)

Cards for occasional specific uses (less than 5% of all yearly spends)
SBI Card IRCTC Visa - Train tickets
IDFC First Ashva Visa - Movie tickets and Visa Infinite offers
HDFC Diners Club Privilege (LTF) - Movie tickets
Standard Chartered Smart Visa - Government spends, and insurance premiums post 4L by APT
BoB Premier Rupay (LTF) - In case of high value UPI payments

Not being used
IDFC First Select Visa (LTF)
ICICI Rubyx MasterCard and AMEX dual (LTF)

All cards used for bank specific offers.
UPI payments via Amazon Pay wallet (Loaded on Mobikwik from AMEX, transferred to bank, then loaded into Amazon Pay wallet).

This has been my routine ever since Magnus died. It doesn't seem like it is not going to change anytime soon as I am not eligible for any better cards than in this list.

You can try for BoB Eterna LTF (Visa Infinite / Rupay) if salaried with salary >= 1LPM.
Check with near by branch if they are aware of this.

 

[Cardzmania]

Hi Folks,

My wife and I currently hold 24 credit cards between us. I've already identified a few that can be closed, and I'm looking for suggestions on which other cards we should consider closing to optimize our portfolio.

I’d also appreciate suggestions on which credit cards I could consider upgrading for better benefits or offers.

My primary or most frequently used credit cards are Axis Atlas, Axis Airtel, SBI Cashback, IDFC Power+, and HDFC Tata Neu Infinity.

S.No.	Credit Card	Fee​	Purpose​
1	Axis Airtel	590​	Airtel, Electricity, Gas bill payment
2	Axis Atlas	5,900​	Offline, Hotel, Flight
3	BoB Premier	LTF​	Bank Offer
4	HDFC Tata Neu Infinity	LTF​	Bigbasket
5	HDFC Freedom	590​	Waiting for upgrade
6	HSBC Platinum	LTF​	Bank Offer
7	ICICI Rubyx Dual	LTF​
8	IDFC Power+	590​	Fuel - HP Petrol
9	RBL Shoprite	LTF​	Bank Offer
10	SBI Cashback	1,180​	Online, Gift Vouchers
11	Amex MRCC	LTF​	Apay Voucher 1500x4
12	Amex Platinum Travel	5,900​	Rewards Multiplier vouchers, insurance
13	AU LIT	LTF​	Bank Offer
14	Axis Magnus	LTF​
15	Axis NEO	LTF​	For Zomato
16	Federal Imperio	LTF​	Bank Offer
17	HDFC Swiggy	LTF​	Soon to be closed
18	ICICI Amazon	LTF​
19	ICICI Coral	LTF​	Soon to be closed
20	ICICI Sapphiro Dual	LTF​	BMS BOGO offer
21	IDFC Select	LTF​	Bank Offer
22	IndusInd Eazydiner	LTF​	Soon to be closed
23	SBI Simplyclick	590​	Bank Offer
24	Kiwi Card	LTF​	Soon to be closed

 

[hellowo₹ld]

Hi Folks,

My wife and I currently hold 24 credit cards between us. I've already identified a few that can be closed, and I'm looking for suggestions on which other cards we should consider closing to optimize our portfolio.

I’d also appreciate suggestions on which credit cards I could consider upgrading for better benefits or offers.

My primary or most frequently used credit cards are Axis Atlas, Axis Airtel, SBI Cashback, IDFC Power+, and HDFC Tata Neu Infinity.

S.No.	Credit Card	Fee​	Purpose​
1	Axis Airtel	590​	Airtel, Electricity, Gas bill payment
2	Axis Atlas	5,900​	Offline, Hotel, Flight
3	BoB Premier	LTF​	Bank Offer
4	HDFC Tata Neu Infinity	LTF​	Bigbasket
5	HDFC Freedom	590​	Waiting for upgrade
6	HSBC Platinum	LTF​	Bank Offer
7	ICICI Rubyx Dual	LTF​
8	IDFC Power+	590​	Fuel - HP Petrol
9	RBL Shoprite	LTF​	Bank Offer
10	SBI Cashback	1,180​	Online, Gift Vouchers
11	Amex MRCC	LTF​	Apay Voucher 1500x4
12	Amex Platinum Travel	5,900​	Rewards Multiplier vouchers, insurance
13	AU LIT	LTF​	Bank Offer
14	Axis Magnus	LTF​
15	Axis NEO	LTF​	For Zomato
16	Federal Imperio	LTF​	Bank Offer
17	HDFC Swiggy	LTF​	Soon to be closed
18	ICICI Amazon	LTF​
19	ICICI Coral	LTF​	Soon to be closed
20	ICICI Sapphiro Dual	LTF​	BMS BOGO offer
21	IDFC Select	LTF​	Bank Offer
22	IndusInd Eazydiner	LTF​	Soon to be closed
23	SBI Simplyclick	590​	Bank Offer
24	Kiwi Card	LTF​	Soon to be closed

For more optimal suggestion, check this once and update your requirement in new thread with as much detail as possible (by mentaining non-sensitive information):

Thread 'Guide to Choosing the Right Credit Card - Basic Requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000...

• hellowo₹ld
• Replies: 15
• Forum: Suggest me a Credit Card

• 
• 
• 

If its upto me, then I'll close: 3,5-6,8-9,12 (for mentioned purpose), 15-19,21-22,24