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jatinkrmalik

jatinkrmalik

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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. 😎

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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

cards.jpeg
 
Last edited:
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P3T3R_GOA said:
Amazon Pay ICICI came with 9L limit or your got a limit enhancement later?
I want to apply for HSBC Live+ but Goa is not listed in their serviceable locations. Anyone tried and got this card despite not living the the cities listed? I don't want to apply if the chances of rejection are high. I already applied for and got 2 cards last month so 2 hard inquiries on CIBIL.
Click to expand...
HSBC is not Indian
Live+ , where else if not "GOA"

HSBC people 🤔 go to moon 🌝 to Live Enjoy +
You just say - "Welcome to GOA Every year, I "ll apply and bring specially for you.
 
P3T3R_GOA said:
Amazon Pay ICICI came with 9L limit or your got a limit enhancement later?
I want to apply for HSBC Live+ but Goa is not listed in their serviceable locations. Anyone tried and got this card despite not living the the cities listed? I don't want to apply if the chances of rejection are high. I already applied for and got 2 cards last month so 2 hard inquiries on CIBIL.
Click to expand...
I got Amazon Pay Back in 2021 with 80K Limit it got increased to 9 Lakhs.

I live in Tier 1 (NCR) so that's why I applied for HSBC Live+
 
Here is my cards collection 🙂

LTF Cards:
HDFC Regalia Gold, Swiggy, Tata Neu Infinity, Pixel rupay and Visa
ICICI Amazon pay, sapphiro MC/amex dual,ruby
IndusInd legend, pinnacle, EasyDiner Signature, amex epay
Yes Reserv
BoB eterna
SBI simplyclick
IDFC wealth
Axis myzone, privilege
Federal bank onecard
Kotak League
Standard chartered platinum rewards

Paid cards:
HSBC cashback
Axis Airtel
 
P3T3R_GOA said:
:backhand-index-pointing-down::backhand-index-pointing-down::backhand-index-pointing-down::backhand-index-pointing-down::backhand-index-pointing-down:View attachment 89205
Click to expand...
I appreciate your concern, but the way I look into is-

GOA is very much important place(Tourist Destination) in India. Business and other aspects you know better.
They are not considering , that's stupidity...India is Progressing, any company doing business in India, and ignoring Potential Business...

On a side note -
Many people in NCR Delhi, might have same card, will happy to share with you, if you Welcome 🤗 them Every Year to "GOA"
 
Many years ago, you could only get a card if you have an account in that particular bank. So banks which had branches only in big cities were not accessible for people from other places. Now that you don't need an account and there are different options to pay the bills, I don't know why banks are restricting cards.
Earlier Amex also did not have Goa in the serviceable locations but they were issuing cards. I applied twice. My application was rejected because my salary slips were over 2 months old.
 
jatinkrmalik said:
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

View attachment 22
Click to expand...
hey tech bro, share desk setup lol
 
My updated portfolio :
Amex Platinum Travel 8.00
SBI Cashback 7.22
ICICI Emeralde Visa 6.50
ICICI Coral Rupay 6.50
Indus Ind Pinnacle Master 6.00
IDFC Wealth Visa 5.00
Axis Airtel Master 4.75
Axis Privilege Visa 4.75
Standard Chartered Smart Visa 4.37
HDFC Regalia Gold Master 3.80
HDFC Tata Neu Infinity Rupay 3.80
HDFC Swiggy Master 3.80
Federal Imperio Visa 3.00
BoB Snapdeal Rupay 2.86
BoB HPCL Rupay 2.86
Kotak IOCL Rupay 2.52
PNB Rupay Platinum 1.00
 
P3T3R_GOA said:
Just added the Federal Bank Scapia and IDFC Wealth Cards to my portfolio today (still awaiting the physical cards)
Here's my current portfolio:
- Union Bank Signature / Visa / 3L / 1999 +GST
- HDFC Infinia / Visa / 9L / 12500 + GST
- ICICI Amazon Pay / Visa / 2L / LTF
- ICICI Coral / RuPay / 2L / 500 + GST
- Indusind Bank EazyDiner Signature / Visa / 3.3L / 1999 +GST
- Federal Bank Scapia / Visa / 5L / LTF
- IDFC First Wealth / Visa / 10L / LTF

I'm planning my spends to get a fee waiver on all 4 paid cards.

My humble collection of 7 cards :backhand-index-pointing-down:
Click to expand...
Here's my current portfolio after the approval of the ICICI Saphiro:
- Union Bank Signature / Visa / 3L / 1999 +GST
- HDFC Infinia / Visa / 9L / 12500 + GST
- ICICI Amazon Pay / Visa / 2L / LTF
- ICICI Coral / RuPay / 2L / 500 + GST
- ICICI Saphiro / Amex / 2L (Shared) / LTF
- ICICI Saphiro / Mastercard / 2L (Shared) / LTF
- Indusind Bank EazyDiner Signature / Visa / 3.3L / 1999 +GST
- Federal Bank Scapia / Visa / 5L / LTF
- IDFC First Wealth / Visa / 10L / LTF

Now I have a questions for the experts regarding what spends to use which card for. Some I already have decided.
- Union Bank Signature: Will just use it minimum to keep it active as it's currently my oldest card.
- HDFC Infinia: My preferred card for everything but since bills can only be paid from my NRE Savings, would like to use other cards too.
- ICICI Amazon Pay: Only for Amazon purchases when the vouchers purchased with the Infinia run out.
- ICICI Coral: Default card for UPI

These cards I don't know:
- ICICI Saphiro / Amex / 2L (Shared)
- ICICI Saphiro / Mastercard / 2L (Shared)
- Indusind Bank EazyDiner Signature / Visa / 3.3L
- Federal Bank Scapia / Visa / 5L
- IDFC First Wealth / Visa / 10L

Scapia I'll probably use for purchases abroad because of 0% Forex Markup. I have add on cards for the Infinia, Eazydiner and Coral for my wife. I will be cancelling the Coral add on as she cannot use it with her GPay and she already has an IDFC Rupay Card. Scapia does not issue an add on card. I can get an IDFC First Wealth add on card for 499 + GST per year. Is it worth getting one?

Please suggest what purchases I can put on each of these cards.
 
P3T3R_GOA said:
Here's my current portfolio after the approval of the ICICI Saphiro:
- Union Bank Signature / Visa / 3L / 1999 +GST
- HDFC Infinia / Visa / 9L / 12500 + GST
- ICICI Amazon Pay / Visa / 2L / LTF
- ICICI Coral / RuPay / 2L / 500 + GST
- ICICI Saphiro / Amex / 2L (Shared) / LTF
- ICICI Saphiro / Mastercard / 2L (Shared) / LTF
- Indusind Bank EazyDiner Signature / Visa / 3.3L / 1999 +GST
- Federal Bank Scapia / Visa / 5L / LTF
- IDFC First Wealth / Visa / 10L / LTF

Now I have a questions for the experts regarding what spends to use which card for. Some I already have decided.
- Union Bank Signature: Will just use it minimum to keep it active as it's currently my oldest card.
- HDFC Infinia: My preferred card for everything but since bills can only be paid from my NRE Savings, would like to use other cards too.
- ICICI Amazon Pay: Only for Amazon purchases when the vouchers purchased with the Infinia run out.
- ICICI Coral: Default card for UPI

These cards I don't know:
- ICICI Saphiro / Amex / 2L (Shared)
- ICICI Saphiro / Mastercard / 2L (Shared)
- Indusind Bank EazyDiner Signature / Visa / 3.3L
- Federal Bank Scapia / Visa / 5L
- IDFC First Wealth / Visa / 10L

Scapia I'll probably use for purchases abroad because of 0% Forex Markup. I have add on cards for the Infinia, Eazydiner and Coral for my wife. I will be cancelling the Coral add on as she cannot use it with her GPay and she already has an IDFC Rupay Card. Scapia does not issue an add on card. I can get an IDFC First Wealth add on card for 499 + GST per year. Is it worth getting one?

Please suggest what purchases I can put on each of these cards.
Click to expand...

Close coral, i think scapia is providing rupay card. If not try logging into federal mobile app, you might get federal wave rupay cc.
 
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