Shubham Yadav
TF Prestige
Salute to your experience sir 🙏
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How many active credit cards do you have? Flash your portfolio.
- Thread starter rahulsethi
- Start date
rahulsethi
TF Ace
Who is this one guy that prefers only one credit card, please tell us also which one card you are so contented with. I guess would be really interesting to know.
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Sir you are legend! You started using the cards when probably majority of population would have been unaware about this concepts of Credit Cards! 🙌
And even now after retirement, your enthusiasm about cards is truly amazing!
Kotak League Platinum IS LTF - just apply for it!
AU Zenith - if you're employed with a company in their big list, and have INR 5L limit on any of your cards, you'll get LTF. I unfortunately don't have 5L limit on anything yet, and I want Zenith (coz it's green!) and nothing less from AU.
Here's my list - I actually said 3-5, and will perhaps prune to get there (pruning can also mean essentially just ignoring the LTF ones).
1. BoB Easy RuPay (35K)
2. HDFC MoneyBack+ RuPay (50K)
3. PNB Platinum RuPay "LTF"
4. IDFC Millenia Visa LTF
5. ICICI Platinum MC LTF
6. Kotak Urbane Gold RuPay (15K)
7. ICICI Sapphiro MC+Amex LTF
8. ICICI Coral RuPay LTF
9. Kotak League Platinum RuPay LTF
I plan to get IndusInd Legend soon.
BoB I'll try to convert to Energie / SnapDeal in some time.
HDFC I'll try to get Millenia LTF or Neu Infinity LTF.
1. BoB Easy RuPay (35K)
2. HDFC MoneyBack+ RuPay (50K)
3. PNB Platinum RuPay "LTF"
4. IDFC Millenia Visa LTF
5. ICICI Platinum MC LTF
6. Kotak Urbane Gold RuPay (15K)
7. ICICI Sapphiro MC+Amex LTF
8. ICICI Coral RuPay LTF
9. Kotak League Platinum RuPay LTF
I plan to get IndusInd Legend soon.
BoB I'll try to convert to Energie / SnapDeal in some time.
HDFC I'll try to get Millenia LTF or Neu Infinity LTF.
RadioactiveTabela
TF Premier
All LTF.
Next applications planned (in this order):
1. Any Federal Bank core card
2. Any AU Card on Swipe Up
3. HDFC Diners Alumni (need to figure out CC agent for this)
4. Axis Airtel / MyZone / IOCL whichever is LTF on offer then
RadioactiveTabela
TF Premier
IDFC has lower TT rates.
But for credit cards, TT rate doesn't matter. IDFC & any other bank will use VISA exchange rate only assuming the card network is Visa.
If card has 0% forex mark-up, only difference would be Visa v. Mastercard v. Diners v. Rupay so on. See:
Patil007
TF Legend
Yes, Applied twice for Kotak, League platinum and White LTF. both rejected. Now it is still showing old application number. It will get cleared after Oct. then I will try. I have opened Saving account for that.
AU Zenith. Will try in Oct only 😅
But do you have 5L limit card?
Shrinit Padwal
TF Ace
Can this old application number not be removed by mailing grievance or someone(nodal/pno), similar to AU removing lead id. Also try getting CIBIL hits removed if any
Patil007
TF Legend
Patil007
TF Legend
Will try.
Patil007
TF Legend
Shrinit Padwal
TF Ace
My portfolio -
will try to get PNB/Federal/SC/Amex Gold cards in the future
| Axis MyZone | LTF | |
| Axis Flipkart | 590 | will close and get Airtel Axis |
| Axis Ace | 590 | hopefully meet spend waiver/don't mind paying |
| ICICI Apay | LTF | |
| ICICI Coral Visa | LTF | |
| ICICI Coral Rupay | LTF | |
| IndusInd Pinnacle | LTF | |
| HDFC Millenia | LTF | |
| HDFC Tata Neu Infinity | LTF | |
| SBI Cashback | FYF - 1180 | will close next year maybe |
| SBI BPCL | 590 | will meet spend waiver |
| IDFC Select | LTF | |
| IDFC Power+ | 590 | hopefully meet spend waiver |
| Kotak League Platinum | LTF | |
| BOB Premier | LTF | |
| AU Zenith | LTF | |
| HSBC Visa Platinum | LTF | |
| Amex MRCC | FYF - 1500 | hopefully meet spend waiver |
will try to get PNB/Federal/SC/Amex Gold cards in the future
yolofino
TF Ace
I have AU bank's Altura Plus credit card and I'm self-employed. And I have HDFC Regalia with 6 lakh+ limit, what should I write in the email for card upgrade? Will they give me Zenith LTF?
yolofino
TF Ace
You're the OG of credit cards in India sir. Thanks for coming to this web-based forum and sharing your valuable insights.
s73uresh
TF Select
you can raise closure request in SBI app for bpcl before 2 weeks of renewal/fee charging statement, then will cc will call you reason and you can tell because of fees. They will agree to reverse the fees if you continue and they will register the request. Once the fee is charged quote the request number and your conversation date reference, they will pass the reversal entry on same day of fee charged date which will be reflected in the statment. I tried this approach for both normal BPCL and BPCl octane card. For SB cashbback card, i already met spend criteria so will continue next year that starts from Dec'23. Good luck
yolofino
TF Ace
My active cards -
| Credit card | Fees |
|---|---|
| HDFC Regalia Rupay | LTF |
| HDFC Moneyback Plus Rupay (my wife's account) | LTF |
| ICICI Amazon Pay | LTF |
| ICICI Coral Rupay + Mastercard | LTF |
| ICICI Platinum Visa | LTF. Might close this as not needed. |
| SBI IRCTC Rupay | LTF |
| SBI Simplyclick | LTF |
| Yes Finbooster | LTF |
| Federal Scapia | LTF |
| Axis Freecharge | Zero fees above 50,000 yearly spends. Might close this. |
| Axis Airtel (my wife's account) | 500 + GST revadi to govt. No fees above 2 lakh yearly spends. |
| Axis My Zone + Indian Oil Rupay | LTF |
| Citi Rewards | Zero fees above 30,000 yearly spends. Will close after Axis fully takes over. |
| IDFC Classic + Millennia (my wife's account) | LTF |
| Kotak League | LTF |
| RBL World Safari | FYF. Will close if they don't make it LTF as Scapia gives 0% forex already. |
| AU Altura Plus + Xcite (my wife's account) | LTF |
| BoB Premier Rupay | LTF |
| BoB Snapdeal Rupay | 250 + GST. Will keep this. |
No nonsense cards, pure class. Will have the same portfolio + some other cards till the end of this year excepting for SC and amex ( due to non serviceable area )
steiner03
TF Select
SBI cards LTF how sir?
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