How many active credit cards do you have? Flash your portfolio.

[sahildca]

Axis Airtel Card (FYF - spend criteria for 2nd year already met)

Axis IndianOil Card

Axis LIC Signature Card

Axis My Zone

axis ka 4th card kaise mil gaya ?

 

[sjmajumder]

axis ka 4th card kaise mil gaya ?

No idea but I have now applied for 5th - Neo. Fingers crossed

 

[Yugi]

I am facing such issues now with almost every bank Federal, SCB, CSB, HSBC, RBL, SBI all denied my applications for a new card in last few months 😑 My current total credit limit is 4X my annual salary. Latest card approved was today Indusind Platinum Rupay sharing limit with my Eazydiner CC. Have a Kotak FYF PVR Inox application posted most probably will get that courtesy my Kotak Privy status (Will be my fourth Kotak card and 44th overall if issued) My current credit utilization ratio is <5% and current CIBIL is 797 have a big education loan and a car loan also. Had a secured house loan which I recently paid back and closed. In nutshell as long as it's a floater card banks are issuing it to me new credit is tricky. But that being said RBL recently declined my application for Play credit card for not meeting internal requirements (the card was practically LTF for me zero joining and superstar status so zero renewal but couldnt get it) but then RBL surprised me at the same time by increasing the limit on my existing LTF RBL World Safari Card from 3.8 Lakhs to 4.55 Lakhs. Twisted world of banks. Haha

I think you should churn few useless cards. Banks always focus on their new credit product over the period of time they phase out old products. So, if you close few cards and get you exposure down, you will be eligible for newer cards with more benefits. It's my take but you know what is better for you.

 

[sahildca]

No idea but I have now applied for 5th - Neo. Fingers crossed

how did you get axis 4th card, by normal cc application, preapproved in axis app, or offliline branch method?

 

[sjmajumder]

how did you get axis 4th card, by normal cc application, preapproved in axis app, or offliline branch method?

LIC Signature card through LIC Card agent. They have separate website. https://www.liccards.in/bank-cards/lic-signature-credit-card-2

All other cards through online application. LIC card was the second one in my portfolio. Got Airtel and IOC post that.

 

[nomad]

Very modest portfolio for now:
ICICI APay LTF
Axis FK
AMEX MRCC FYF

AMEX I got just 1 month back, rest of the cards have been with me for 3+ years now

Looking for more LTF cards, what should I apply for next?
Axis FK has 6.43L CL and AMEX gave 5L (1st statement generated)

 

[sjmajumder]

Go for highest LTF card of each bank. Make sure you maintain 750+ CIBIL

 

[Pankhuri]

Very modest portfolio for now:
ICICI APay LTF
Axis FK
AMEX MRCC FYF

AMEX I got just 1 month back, rest of the cards have been with me for 3+ years now

Looking for more LTF cards, what should I apply for next?
Axis FK has 6.43L CL and AMEX gave 5L (1st statement generated)

Look if you qualify for ICICI shappiro ltf under their alumni offer.

 

[nomad]

Look if you qualify for ICICI shappiro ltf under their alumni offer.

Not from a Premier institute unfortunately

 

[s4more]

Have credit age more than 15 years now still an Amateur CC portfolio.

HDFC Regalia Gold FYF 6.2L CL
ICICI APay 5.9L CL
ICICI Coral Rupay LTF 5.9L CL
One Card 5L CL
Federal Scapia 6.51L CL

Looking to make Regalia Gold LTF and maybe LE/DCB/Infinia upgrade.

I was offered upgrade to FYF DCB plastic back in feb didnt take it. Are they only giving metal DCB now?

 

[shashankrt]

Credit Age of 15+ years and ok ok CIBIL score of 774.

Cards Currently in use:
HDFC Infinia
HDFC TataNeu Infinite
Axis Magnus (upgrade to Magnus Burgundy done however new card not yet received)
Axis Vistara Infinite
Amex Platinum Charge
Amex MRCC
Citibank Rewards
Kotak Royale
SBI Aurum (To be cancelled soon)
RBL ICON (Tobe cancelled soon)
SC Manhattan

Targeting AU Legend and IDFC Wealth and offered Indusind Pioneer Heritage (however not sure if its worth it)

 

[CreditMaster]

HDFC 16L (Infinia LTF, Tata Neu Infiniti LTF and Swiggy)
Axis 10L (Magnus Burgundy LTF and Airtel)
ICICI 6L (Sapphiro MC LTF, Sapphiro Amex LTF, Coral Rupay LTF, Apay LTF)
Kotak Legend LTF 6L
SC Ultimate 5L
IDFC Wealth LTF 5L (Upgraded from Select LTF 1.3L)
One Card LTF 4L
IndusInd EazyDiner LTF 2.5L
IndusInd Legend LTF 2.5L
Yes Reserv LTF 2.5L

Planning to:
1. Close SC Ultimate.
2. Upgrade to Yes Marquee.
3. Get Axis VI and Amex MRCC.

 

[RajdeepMaity]

HDFC 16L (Infinia LTF, Tata Neu Infiniti LTF and Swiggy)
Axis 10L (Magnus Burgundy LTF and Airtel)
ICICI 6L (Sapphiro MC LTF, Sapphiro Amex LTF, Coral Rupay LTF, Apay LTF)
Kotak Legend LTF 6L
SC Ultimate 5L
IDFC Wealth LTF 5L (Upgraded from Select LTF 1.3L)
One Card LTF 4L
IndusInd EazyDiner LTF 2.5L
IndusInd Legend LTF 2.5L
Yes Reserv LTF 2.5L

Planning to:
1. Close SC Ultimate.
2. Upgrade to Yes Marquee.
3. Get Axis VI and Amex MRCC.

Username checks out 😂how did you get all these LTF BTW?

 

[CreditMaster]

Username checks out 😂how did you get all these LTF BTW?

Hehe!!!
HDFC: Imperia + Long standing relationship
Axis: Burgundy
ICICI: Campus programme
IDFC Wealth upgrade based on Income
IndusInd EazyDiner I think I just got lucky

 

[kishorvr]

I have only been a part of this community for about a month and a half but have learned a lot about credit cards in a very short span!! Thanks to you all!! My portfolio is not something that can be bragged about but I’m happy with what all cards I’ve acquired in just 26 months!!

My credit depth is 2 years 2 months and my CIBIL 796.

I have a total of 26 Credit Cards active and all are unsecured.

Current Portfolio:

HDFC Millennia LTF
HDFC TataNeu Plus LTF (upgraded to Infinity)
HDFC TataNeu Infinity LTF
HDFC IOCL LTF

ICICI AmazonPay LTF
ICICI Platinum Visa LTF
ICICI Coral Rupay LTF
ICICI Coral Amex LTF
ICICI Coral Amex LTF ( Yes ICICI issued me 2 Coral Amex lol )

AXIS Flipkart LTF
AXIS Myzone LTF
AXIS IOCL LTF
AXIS Neo LTF

AMEX Platinum Travel FYF
AMEX Gold Charge 1000+GST

CITI IOCL LTF

SBI SimplyClick FYF (Reversed for 2nd year)

IndusInd Legend LTF
IndusInd EazyDiner LTF

Kotak League Rupay LTF

BOB Premier Rupay JCB Global LTF

AU Lit LTF

OneCard from BOB LTF

IDFC Millennia LTF

RBL World Safari LTF

Federal Imperio LTF
Federal Scapia LTF

Looking For:

SCB Platinum/Cashback (Applied in July but rejected)

AXIS Airtel (Offer not showing on primary number and alternate number is showing incorrect details in application)

HSBC Platinum (Area not serviceable, Ghaziabad)

Amex MRCC (Application Rejected in August)

Tata neu is upgradable to infinity? Do they upgrade based on spends?

 

[CodeCrusher]

How to get rbl world safari

 

[TheGuy]

How to get rbl world safari

apply on bank website or in branch.
what kind of question is this.

 

[vaibhavpp0707]

In my 4 years of credit history I have acquired cards from almost all banks.

1. HDFC IOCL Rupay- 2,20,000 - LTF
2. HDFC Tata Neu Infinity - 2,20,000 - LTF
3. Axis Flipkart - 3,00,000 - LTF
4. Axis Ace - 3,00,000 - 500₹
5. Axis MyZone - 3,00,000 -LTF
6. ICICI Platinum - 4,00,000 - LTF
7. ICICI Amazonpay - 2,10,000 - LTF
8. ICICI MMT Visa Signature - 4,00,000 - LTF
9. ICICI Coral Rupay - 4,00,000 - LTF
10. ICICI Rubyx MC - 4,00,000 - LTF
11. ICICI Rubyx Amex - 4,00,000 - LTF
12. SBI SimplyClick - 94,000 - LTF
13. SBI Cashback - 1,60,000 - 1000₹
14. BOB Premier Rupay- 97,500 - LTF
15. BOB HPCL Rupay- 97,500 - 500₹
16. BOB Snapdeal Rupay - 97,500 - 250₹
17. Kotak Zen - 6,00,000 - LTF
18. Kotak League Plat Rupay - 6,00,000 - LTF
19. Kotak virtual rupay - 6,00,000 - LTF
20. Indusind Legend - 1,03,200 - LTF
21. Indus Rupay Platinum - 1,03,200 - LTF
22. AU Bank Lit - 3,00,000 - LTF
23. AU Instapay Rupay - 1,00,000 - LTF
24. Yes Finbooster - 3,00,000 - LTF
25. Yes Virtual Rupay - 3,00,000 - LTF
26. Amex MRCC - 6,80,000 - 1500₹
27. PNB Rupay Platinum - 50,000 - LTF
28. SC Smart - 3,12,500 - 500₹
29. RBL World Safari - 2,28,000 - LTF
30. Citi Rewards - 90,000 - LTF
31. One Metal Card - 1,80,000 - LTF
32. HSBC Visa Platinum - 3,00,000 - LTF
Total Limit - 46,25,200₹

Wife's Cards
33. HDFC Millennia - 1,10,000 - LTF
34. HDFC Virtual Rupay - 1,10,000 - 99₹
35. Airtel Axis - 49,000 - 500₹
36. Indusind Legend - 1,00,000 - LTF
37. Indus Rupay Platinum - 1,00,000 - LTF
38. Scapia Federal Bank - 20,000 - LTF
39. AU Excite Ace - 2,00,000 - LTF
40. SC EaseMyTrip - 90,000 - 350₹
Total Limit - 5,69,000₹

 

[raghu.rokda]

In my 4 years of credit history I have acquired cards from almost all banks.

1. HDFC IOCL Rupay- 2,20,000 - LTF
2. HDFC Tata Neu Infinity - 2,20,000 - LTF
3. Axis Flipkart - 3,00,000 - LTF
4. Axis Ace - 3,00,000 - 500₹
5. Axis MyZone - 3,00,000 -LTF
6. ICICI Platinum - 4,00,000 - LTF
7. ICICI Amazonpay - 2,10,000 - LTF
8. ICICI MMT Visa Signature - 4,00,000 - LTF
9. ICICI Coral Rupay - 4,00,000 - LTF
10. ICICI Rubyx MC - 4,00,000 - LTF
11. ICICI Rubyx Amex - 4,00,000 - LTF
12. SBI SimplyClick - 94,000 - LTF
13. SBI Cashback - 1,60,000 - 1000₹
14. BOB Premier Rupay- 97,500 - LTF
15. BOB HPCL Rupay- 97,500 - 500₹
16. BOB Snapdeal Rupay - 97,500 - 250₹
17. Kotak Zen - 6,00,000 - LTF
18. Kotak League Plat Rupay - 6,00,000 - LTF
19. Kotak virtual rupay - 6,00,000 - LTF
20. Indusind Legend - 1,03,200 - LTF
21. Indus Rupay Platinum - 1,03,200 - LTF
22. AU Bank Lit - 3,00,000 - LTF
23. AU Instapay Rupay - 1,00,000 - LTF
24. Yes Finbooster - 3,00,000 - LTF
25. Yes Virtual Rupay - 3,00,000 - LTF
26. Amex MRCC - 6,80,000 - 1500₹
27. PNB Rupay Platinum - 50,000 - LTF
28. SC Smart - 3,12,500 - 500₹
29. RBL World Safari - 2,28,000 - LTF
30. Citi Rewards - 90,000 - LTF
31. One Metal Card - 1,80,000 - LTF
32. HSBC Visa Platinum - 3,00,000 - LTF
Total Limit - 46,25,200₹

Wife's Cards
33. HDFC Millennia - 1,10,000 - LTF
34. HDFC Virtual Rupay - 1,10,000 - 99₹
35. Airtel Axis - 49,000 - 500₹
36. Indusind Legend - 1,00,000 - LTF
37. Indus Rupay Platinum - 1,00,000 - LTF
38. Scapia Federal Bank - 20,000 - LTF
39. AU Excite Ace - 2,00,000 - LTF
40. SC EaseMyTrip - 90,000 - 350₹
Total Limit - 5,69,000₹

How IDFC cards are missing ?
Else great LTF portfolio

 

[vaibhavpp0707]

How IDFC cards are missing ?
Else great LTF portfolio

I had IDFC select millenia
But in greed of wealth I closed and now I am getting that generic error Unable to process your request and now they are only giving me secured Wow card. 🤤