Help me make list of best LTF cards

[sjasani]

I believe in ltf 4ever. why have a stress of spends or keep faith in company continue to provide coupons in exchange for annual fees.

I have following cards,
HDFC DCB
IDFC Wealth
ICICI Amazon Pay


any more LTF card that I shouldn't miss?

 

[CHOCOPANDA]

thanks, appreciate it 🙂

i focus more on flat discounts more than earning miles and transferrable points. i know it is completely an opposite school of thought compared to many cc users, but it is based on my own spending pattern and priorities. so you might or might not find that 'ltf4ever' suits you always.
it helps me to control my spending because i dont have to worry about completing spends to waive off fees or win milestone rewards. also there are devaluation worries nowadays. worst case is that you close the card because no more rewards on a particular spend and that will affect your credit score amd relationship with bank. i have observed that lesser known bank cards are getting more discounts nowadays from many startup apps.

cards i have apart from the ones you have:
1. indusind legend - got it through paisabazaar targetted offer. no benefit as far as regular spending is concerned (they even blocked my rewards redemption I think). but inhave saved many thousands using this card on flight bookings, where no other card was giving a good discount.

2. rbl zomato: no more valuable. but i extracted a great value from it using 10% birthday spend cashback and when i used to order a lot from zomato. sometimes it is still useful for me to get extra 5% when i pay using zomato on online orders or dine in.

3. flipkart axis - no particular benefit apart from Flipkart+grabdeals combined offers. but dcb vouchers will give more reward % if you buy from gyftr.

4. flipkart myzone - use it 4 times a month on swiggy order and save 480 rupees. bogo on Paytm movies. also useful when cobranded axis fk is not accepted as a part of axis cc offers on e-commerce sites.

5. bob premier: useful when bob or rupay offers are there. lately, their coupns are not getting applied and their team is not responding.

6. au zenith: just received. my only card with priority pass. got it as a part of their ltf for certain employers program. you can find the thread in au bank section of credit cards here. reward redemption options are many so i am hoping some good things from this card.

7. citi and hsbc - they no more offer ltf.

the above cards are offered ltf during some campaigns so you have to be vigilant. especially before big sale days.

other ltd cards that i will never have (because of bad experience with the banks) but you can try:
1. kotak league
2. onecard
3. yes bank (don't remember which one, it was some time back offered to me as ltf)
4. axis indian oil (i already have 2 axis so dont need this)
5. icici platinum (need to have because cobranded amazon icici cc is not accepted during icici cc discounts).
6. hdfc tata neu cards offered targetted ltf to some. check in app.
7. au lit: dont know if basic discounts work or not even if you don't customise any features.

also i am not going after banks like pnb, union, federal, uco, idbi, canara, etc etc because i have heard that it is a headache to deal with these banks. but would like to try if they are offering ltf cards in the future.

also, don't fall for phone calls and agents who will claim to give you ltf cards...i have seen many cases myself where the agent disappeared after the card got approved and user had to close the card due to non ltf.

do note that dont apply for all the cards in a short period of time as it may damage your credit score. take your time and space it out across many months.

sir in point mo 3 u said dcb vouchers from gyftr. what is full form of dcb

 

[ltf4ever]

sir in point mo 3 u said dcb vouchers from gyftr. what is full form of dcb

diners club black. sorry for the confusion for many of you, as i am used to referring it by that name here. updating the main post with the full form now.

 

[neogen]

My LTF includes HDFC Infinia and Yes First Exclusive

 

[CHOCOPANDA]

diners club black. sorry for the confusion for many of you, as i am used to referring it by that name here. updating the main post with the full form now.

no prob sir. it was a very informative post

 

[steiner03]

thanks, appreciate it 🙂

i focus more on flat discounts more than earning miles and transferrable points. i know it is completely an opposite school of thought compared to many cc users, but it is based on my own spending pattern and priorities. so you might or might not find that 'ltf4ever' suits you always.
it helps me to control my spending because i dont have to worry about completing spends to waive off fees or win milestone rewards. also there are devaluation worries nowadays. worst case is that you close the card because no more rewards on a particular spend and that will affect your credit score amd relationship with bank. i have observed that lesser known bank cards are getting more discounts nowadays from many startup apps.

cards i have apart from the ones you have:
1. indusind legend - got it through paisabazaar targetted offer. no benefit as far as regular spending is concerned (they even blocked my rewards redemption I think). but inhave saved many thousands using this card on flight bookings, where no other card was giving a good discount.

2. rbl zomato: no more valuable. but i extracted a great value from it using 10% birthday spend cashback and when i used to order a lot from zomato. sometimes it is still useful for me to get extra 5% when i pay using zomato on online orders or dine in.

3. flipkart axis - no particular benefit apart from Flipkart+grabdeals combined offers. but dcb (diners club black) vouchers will give more reward % if you buy from gyftr.

4. flipkart myzone - use it 4 times a month on swiggy order and save 480 rupees. bogo on Paytm movies. also useful when cobranded axis fk is not accepted as a part of axis cc offers on e-commerce sites.

5. bob premier: useful when bob or rupay offers are there. lately, their coupns are not getting applied and their team is not responding.

6. au zenith: just received. my only card with priority pass. got it as a part of their ltf for certain employers program. you can find the thread in au bank section of credit cards here. reward redemption options are many so i am hoping some good things from this card.

7. citi and hsbc - they no more offer ltf.

the above cards are offered ltf during some campaigns so you have to be vigilant. especially before big sale days.

other ltd cards that i will never have (because of bad experience with the banks) but you can try:
1. kotak league
2. onecard
3. yes bank (don't remember which one, it was some time back offered to me as ltf)
4. axis indian oil (i already have 2 axis so dont need this)
5. icici platinum (need to have because cobranded amazon icici cc is not accepted during icici cc discounts).
6. hdfc tata neu cards offered targetted ltf to some. check in app.
7. au lit: dont know if basic discounts work or not even if you don't customise any features.

also i am not going after banks like pnb, union, federal, uco, idbi, canara, etc etc because i have heard that it is a headache to deal with these banks. but would like to try if they are offering ltf cards in the future.

also, don't fall for phone calls and agents who will claim to give you ltf cards...i have seen many cases myself where the agent disappeared after the card got approved and user had to close the card due to non ltf.

do note that dont apply for all the cards in a short period of time as it may damage your credit score. take your time and space it out across many months.

PNB has many LTF cards if my memory serves right. I applied for their platinum card. Their fee waiver criteria is to make atleast one transaction per quarter.
I needed a card to link with UPI. Couldn't do with HDFC coz i have money-back+ MasterCard.

 

[sjasani]

My LTF collection:
HDFC DCB
ICICI Amazon Pay
IDFC first wealth
AU Zenith
Citi Indian Oil
RBL Zomato Edition Classic
ICICI Sapphiro
Axis Select
HDFC Tata Neu
Indusind Legend

nice collection

 

[SiddharthR]

Nice username and profile pic

Privacy of the pussy matters😸💀

Edit: U need to go back to understand this!

 

[rahulsethi]

My LTF collection:

HDFC Diners Club Black
HDFC Tata Neu Infinity Rupay
Kotak White
Kotak League Rupay
IDFC Select
ICICI Sapphiro Mastercard
ICICI Sapphiro Amex
ICICI MMT Signature
ICICI HPCL Coral
ICICI Coral Rupay
ICICI Platinum Mastercard
ICICI Amazon Pay
BOB premier Rupay
BOB Onecard
Indusind Pinnacle
IDBI Royale Signature
RBL Bank World Safari
PNB Global Classic
AU SFB LIT
Yes Bank Virtual Rupay
SBM Gild
SBM Stepup
SBM Niyo Global
IDFC WOW

 

[K S]

My LTF collection:

HDFC Diners Club Black
HDFC Tata Neu Infinity Rupay
Kotak White
Kotak League Rupay
IDFC Select
ICICI Sapphiro Mastercard
ICICI Sapphiro Amex
ICICI MMT Signature
ICICI HPCL Coral
ICICI Coral Rupay
ICICI Platinum Mastercard
ICICI Amazon Pay
BOB premier Rupay
BOB Onecard
Indusind Pinnacle
IDBI Royale Signature
RBL Bank World Safari
PNB Global Classic
AU SFB LIT
Yes Bank Virtual Rupay
SBM Gild
SBM Stepup
SBM Niyo Global
IDFC WOW

Is there any income criteria known for IDBI Royale Signature?
&
Does credit card application need existing savings account with IDBI?