Credit Card Suggestion Needed

[sachijha]

I currently have the following credit cards:

1. SBI SimplyCLICK - Credit Limit: 1.12 Lakhs (Not LTF - But Revered Joining Fee)
2. Federal Bank Scapia Card - Credit Limit: 7.035 Lakhs
3. Amazon Pay ICICI - Credit Limit: 6.7 Lakhs
4. ICICI Coral Rupay (LTF) - Credit Limit: 6.7 Lakhs
5. ICICI Sapphiro Dual (LTF) - Credit Limit: 6.7 Lakhs
6. Axis FK - Credit Limit: 3.35 Lakhs (Not LTF - Paid Joining Fees last week)
7. BOB Easy Rupay (LTF) - Credit Limit: 2 Lakhs
8. One Card (FD - SBM Bank) - Credit Limit: 2K
9. IDFC First Millenia - Credit Limit: 60K
10. AU LIT Credit Card - Credit Limit: 6.7 Lakhs

I mostly use credit cards for any online shopping offers and Rupay Cards for UPI Payments.

I want to know which cards should I add or remove from my portfolio. Thanks.

 

[aayusharyan]

One Card (FD - SBM Bank) - Credit Limit: 2K

This is unnecessary. Such a low CL, I think you should close it. After some time if you want, you can apply again, you will get way better CL and Unsecured.

 

[Akashn]

This is unnecessary. Such a low CL, I think you should close it. After some time if you want, you can apply again, you will get way better CL and Unsecured.

You cant re-apply for onecard once closed 😛

 

[Kumar93196]

If you don't use railway lounges than close idfc millenia and wait for few months than reapply and you will be able to get select or wealth cc which offer more benifits than millenia. And limit is also better than current.

I currently have the following credit cards:

1. SBI SimplyCLICK - Credit Limit: 1.12 Lakhs (Not LTF - But Revered Joining Fee)
2. Federal Bank Scapia Card - Credit Limit: 7.035 Lakhs
3. Amazon Pay ICICI - Credit Limit: 6.7 Lakhs
4. ICICI Coral Rupay (LTF) - Credit Limit: 6.7 Lakhs
5. ICICI Sapphiro Dual (LTF) - Credit Limit: 6.7 Lakhs
6. Axis FK - Credit Limit: 3.35 Lakhs (Not LTF - Paid Joining Fees last week)
7. BOB Easy Rupay (LTF) - Credit Limit: 2 Lakhs
8. One Card (FD - SBM Bank) - Credit Limit: 2K
9. IDFC First Millenia - Credit Limit: 60K
10. AU LIT Credit Card - Credit Limit: 6.7 Lakhs

I mostly use credit cards for any online shopping offers and Rupay Cards for UPI Payments.

I want to know which cards should I add or remove from my portfolio. Thanks.

 

[aayusharyan]

You cant re-apply for onecard once closed 😛

Really? Then this card for OP is really bad. Can we try to convert to unsecured or OneCard doesn't allow that also?

 

[Akashn]

Really? Then this card for OP is really bad. Can we try to convert to unsecured or OneCard doesn't allow that also?

Nah. Secured for life 😀

 

[aayusharyan]

Nah. Secured for life 😀

Wow, then I don't see any point in keeping this Card,

 

[SSV]

I currently have the following credit cards:

1. SBI SimplyCLICK - Credit Limit: 1.12 Lakhs (Not LTF - But Revered Joining Fee)
2. Federal Bank Scapia Card - Credit Limit: 7.035 Lakhs
3. Amazon Pay ICICI - Credit Limit: 6.7 Lakhs
4. ICICI Coral Rupay (LTF) - Credit Limit: 6.7 Lakhs
5. ICICI Sapphiro Dual (LTF) - Credit Limit: 6.7 Lakhs
6. Axis FK - Credit Limit: 3.35 Lakhs (Not LTF - Paid Joining Fees last week)
7. BOB Easy Rupay (LTF) - Credit Limit: 2 Lakhs
8. One Card (FD - SBM Bank) - Credit Limit: 2K
9. IDFC First Millenia - Credit Limit: 60K
10. AU LIT Credit Card - Credit Limit: 6.7 Lakhs

I mostly use credit cards for any online shopping offers and Rupay Cards for UPI Payments.

I want to know which cards should I add or remove from my portfolio. Thanks.

Get SBI Cashback card and
Get rid of One card to begin with..

 

[sachijha]

Sometimes there are offers on Snitch or Myntra for which I have kept OneCard. For, higher payments over the limit, I add the differential amount to the card and then make the payment.

SBI Cashback is chargeable with Rs. 999 + GST. Does the SBI retention work there as well?
Also, I have a preapproved offer for ICICI Emeralde CC with Rs. 12000 joining fees. On asking to make it LTF, my branch CC team said they could reverse the joining fees once the card is issued. Has anyone tried this?

 

[vaibhav111vaibhav111 is verified member.]

Sometimes there are offers on Snitch or Myntra for which I have kept OneCard. For, higher payments over the limit, I add the differential amount to the card and then make the payment.

SBI Cashback is chargeable with Rs. 999 + GST. Does the SBI retention work there as well?
Also, I have a preapproved offer for ICICI Emeralde CC with Rs. 12000 joining fees. On asking to make it LTF, my branch CC team said they could reverse the joining fees once the card is issued. Has anyone tried this?

@anirban.choudhury - he could have insight on ICICI Emeralde CC Joining Fees

 

[Deleted member 11974]

I currently have the following credit cards:

1. SBI SimplyCLICK - Credit Limit: 1.12 Lakhs (Not LTF - But Revered Joining Fee)
2. Federal Bank Scapia Card - Credit Limit: 7.035 Lakhs
3. Amazon Pay ICICI - Credit Limit: 6.7 Lakhs
4. ICICI Coral Rupay (LTF) - Credit Limit: 6.7 Lakhs
5. ICICI Sapphiro Dual (LTF) - Credit Limit: 6.7 Lakhs
6. Axis FK - Credit Limit: 3.35 Lakhs (Not LTF - Paid Joining Fees last week)
7. BOB Easy Rupay (LTF) - Credit Limit: 2 Lakhs
8. One Card (FD - SBM Bank) - Credit Limit: 2K
9. IDFC First Millenia - Credit Limit: 60K
10. AU LIT Credit Card - Credit Limit: 6.7 Lakhs

I mostly use credit cards for any online shopping offers and Rupay Cards for UPI Payments.

I want to know which cards should I add or remove from my portfolio. Thanks.

kindly search the forum before creating a new thread

 

[Deleted member 11974]

Sometimes there are offers on Snitch or Myntra for which I have kept OneCard. For, higher payments over the limit, I add the differential amount to the card and then make the payment.

SBI Cashback is chargeable with Rs. 999 + GST. Does the SBI retention work there as well?
Also, I have a preapproved offer for ICICI Emeralde CC with Rs. 12000 joining fees. On asking to make it LTF, my branch CC team said they could reverse the joining fees once the card is issued. Has anyone tried this?

take it in writing from the branch if they give go for it

 

[vega]

take it in writing from the branch if they give go for it

Good luck with that...