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

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rahulsethi said:
Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 45 active credit cards as on date out of which 40 I got in last one year only, targeting a half century soon. Depth of credit 10+ years, CIBIL 797. No of enquiries last one year >60.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
HDFC Paytm
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
Kotak League Rupay LTF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Platinum Charge Card
Amex MRCC FYF
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
Indusind Platinum Rupay LTF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
IDFC FIRST Digital Rupay
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank Reserv Card
YES Bank Virtual UPI CC LTF
HSBC Platinum Rewards LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Fi Federal Simplifi LTF
Click to expand...
Are secured cards considered as secured loans?
 
19 Cards as of now...

Amex MRCC FYF
HDFC Millenia LTF
ICICI Sapphiro Amex LTF
ICICI Sapphiro MC LTF
ICICI APay LTF
ICICI Platinum LTF
ICICI coral Rupay LTF
BoB Premier LTF
IndusInd Legend LTF
IndusInd Rupay LTF
IDFC Classic LTF
Citibank Cashback
SBI Cashback
Kotak League LTF
PNB Platinum LTF
One Card LTF
Axis MyZone LTF
RBL Banbazaar LTF
Yes Bank Finbooster LTF

Now want to fine tune the portfolio, i.e., upgrading the cards to a better version in coming years
 
26 Active cards. I didn't want to have so many but it happened. I closed 4 ICICI cards 2 years back or else it would have been rediculous. 6 of them are RuPay cards which I got based on existing CC(s) so the apparent count should be 20.

I don't know what to do with CITI Rewards, should I close it?

1. Amex MRCC
2. Axis Flipkart
3. Axis MyZone (LTF)
4. Axis NEO (LTF)
5. BoB Premier (LTF)
6. BoB Easy RuPay (LTF)
7. CITI Rewards
8. Federal Celesta (LTF)
9. HDFC Diners Club (LTF)
10. HDFC Regalia Gold (LTF)
11. HDFC UPI RuPay (LTF)
12. HSBC Platinum (LTF)
13. ICICI AmazonPay (LTF)
14. ICICI Coral RuPay (LTF)
15. IDFC First Select (LTF)
16. IDFC First WoW (LTF) --> Got this cuz RM is a friend
17. IndusInd Pinnacle (LTF)
18. Indusind Platinum RuPay (LTF)
19. Kotak Legaue Rupay (LTF)
20. Kotak UPI RuPay (LTF)
21. Niyo SBM Credit Card (LTF)
22. PNB RuPay Select (LTF)
23. SBI SimplyClick
24. Standard Chartered Smart (LTF)
25. Yes First Exclusive/Reserv (LTF)
26. YesBank RuPay (LTF)
 
1ICICI Amazon Pay, 2Coral Rupay, 3Coral AmEx and 4Platinum Chip ALL LTF
5HDFC Millennia New LTF, 6Biz Rupay UPI (virtual) LTF* and 7Tata Neu Plus Paid
8IDFC First Millennia LTF and 9First Digital (virtual) 199+GST
10CashBack SBI Card Paid but fee reversed
11Federal Imperio LTF
12OneCard SIB LTF
13LazyPay RBL LTF
14Jupiter Edge CSB LTF
15Myntra KOTAK Paid
16BB FinBooster YES LTF
17INDUSIND Platinum Rupay LTF

*spends based LTF
 
Last edited:
James said:
I already gave you a tip. Request all network cards from icici.
Click to expand...
bro, how do I get different variants of the same ICICI cards?
I have ICICI platinum visa, coral rupay and amazonpay visa.
Do I call customer care? What do I say? And also would they charge fee for issuing those variants?
 
rafzy said:
bro, how do I get different variants of the same ICICI cards?
I have ICICI platinum visa, coral rupay and amazonpay visa.
Do I call customer care? What do I say? And also would they charge fee for issuing those variants?
Click to expand...
X dot com, only thing that works
 
Apply For LTF HDFC Swiggy Credit Card
rahulsethi said:
Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 45 active credit cards as on date out of which 40 I got in last one year only, targeting a half century soon. Depth of credit 10+ years, CIBIL 797. No of enquiries last one year >60.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
HDFC Paytm
Axis Atlas
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
Kotak League Rupay LTF
SBI Cashback FYF
SBI BPCL
Amex Platinum Travel FYF
Amex Platinum Charge Card
Amex MRCC FYF
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
Indusind Platinum Rupay LTF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
IDFC FIRST Digital Rupay
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank Reserv Card
YES Bank Virtual UPI CC LTF
HSBC Platinum Rewards LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Fi Federal Simplifi LTF
Click to expand...
I have a different question, which app do you use the bills of these cards.
 
Hello

I am building my credit card portfolio. I currently hold the following cards:
1. ICICI Amazon Pay : 8.5L (LTF)
2. Axis Ace : 5L (Paid)

Please recommend good cards that I should add in my portfolio.
1. I use Axis Ace for most of my spends. Please suggest how to convert to LTF.
2. I want a good Rupay card for UPI transactions.
3. My primary objective is cashbacks and offers only, so mainly looking for LTF cards.
4. Initially I want to collect cards for all major banks for offers, even entry level card would suffice for now.
5. My current CIBIL is 776. I am also concerned on how to manage/enhance my CIBIL in my pursuit for a good card portfolio.
6. Please do add in any other recommendations or suggestions if you have any.

Thanks
 
Riya said:
19 Cards as of now...

Amex MRCC FYF
HDFC Millenia LTF
ICICI Sapphiro Amex LTF
ICICI Sapphiro MC LTF
ICICI APay LTF
ICICI Platinum LTF
ICICI coral Rupay LTF
BoB Premier LTF
IndusInd Legend LTF
IndusInd Rupay LTF
IDFC Classic LTF
Citibank Cashback
SBI Cashback
Kotak League LTF
PNB Platinum LTF
One Card LTF
Axis MyZone LTF
RBL Banbazaar LTF
Yes Bank Finbooster LTF

Now want to fine tune the portfolio, i.e., upgrading the cards to a better version in coming years
Click to expand...
only 11 i have 🙁.. faar behind all the collectors
 
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