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s73uresh said:
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
Click to expand...
do you have both bpcl and bpcl octane?
 
Mine is simple

Sbi vistara prime paid ( 6792 cv + 3 tickets )😍
Axis airtel paid ( 500 cb every month)
Bob premier LTF ( rupay for upi )
Hdfc millennia LTF ( train tickets amazon voucher and shopping)
Amex smart earn paid ( 500 mr points every month)
Amazon pay icici LTF ( keep for c2c applications as it has highest limit)

Two virtual cards
Hdfc upi card
Hdfc payzapp prepaid card

Got 2 in wife name
Kotak fd based
Hdfc tata neu
 
RAMESH BABU N said:
In the last 25+ years of my CC journey, I had used (n closed) OVER 30 different cards from many banks - like Andhra Bank, Bank of Baroda, Bank of India, SBI, ICICI, AMEX, Citi Bank, RBL BANK and HSBC.
Many special limited edition cards like AMEX Green, AMEX Gold, HSBC Gold, SBI Employee Gold, BOB Sachin Tendulkar card..... Started using cards when my salary was 1700/- with my first card having a limit of 3000/-. Seen charge slips, bulky impression machines, physical statements, NO-OTP days, No Apps, NO Cibil/Esperian scores, embossed cards...... Seen all.
Click to expand...
In addition to all these, we NEVER had any agents, NEVER heard of offers, NEVER had any pre-approved offers and NO upgrades. Card-to-Card Applications were unheard of.
All charges are billed to all. No exceptions. No insisting on opening new FDs or opening other accounts.

ONLY one type of SB Account. Only cheque book given for select few or if specially requested. There were no uniquely named SB accounts - like Max, Premier, Elite, Wealth, Personal...

Similarly, NO Debit cards then. So, there is no question of a variety of debit cards.

NO Rewards, NO Cashbacks, NO brand-affiliations, NO Discounts, NO EMIs. You are expected to pay in full.

Shops/stores/others were also avoiding cards. Because they used to get the money only after a week or so. So, cash preferred. Or, these MEs - merchant establishments used to charge 1-3% extra if paid by card.

No OTPs, NO authorisation codes. ONLY based on signature on the back panel of the card. No magnetistrip. No punching of codes on POS machines.

About 25+ years back, Salaried class had only 1 card, usually with limit of 2x monthly salary. Salary slips (3 to 6) was a must. Card seeker must be known to the branch staff - introduction is a must.

Limit enhancements were very rare. Usually approved only when one gets a promotion in job or there's sizeable increase in business - proof of officially declared income is a must.

No targets. No target spending. No milestones. No rewards.

EVERYONE started with a basic card n stayed with that. Because, there were no airport lounges, no swiggy/Zomato discounts.

YES.

ALL THE ABOVE IS TRUE. AND, EXPERIENCED BY ME PERSONALLY.

We came a LOOOOOOOONG WAY. Indeed.
 
As can be seen from my previous post, ONLY ONE CREDIT CARD was enough then - as there were no tie-ups, no rewards, no cashbacks, no LTF, no FYF, no C-2-C, no target offers, no brand offers n no store offers.

But, now a days, it is becoming absolutely necessary to have at least 5 credit cards to not to lose/forego the benefits. And, ever developing n dependable electronic/digital Apps have made life comfortable even with about 10 cards.
 
RAMESH BABU N said:
As can be seen from my previous post, ONLY ONE CREDIT CARD was enough then - as there were no tie-ups, no rewards, no cashbacks, no LTF, no FYF, no C-2-C, no target offers, no brand offers n no store offers.

But, now a days, it is becoming absolutely necessary to have at least 5 credit cards to not to lose/forego the benefits. And, ever developing n dependable electronic/digital Apps have made life comfortable even with about 10 cards.
Click to expand...
For each use case they are creating new credit cards 😅 .

Online, Offline, Utilty, Fuel. then in that many subparts.

Swiggy, Zomato,
Ola, Uber
amazon, Flipkart,Myntra
Co-branded cards.

Sales, business team is smart.
 
The few important n emerging aspects to note are :

1. Instead of LIMITs at 2X of MONTHLY Incomes, now CCs are routinely giving
2X of ANNUAL incomes. That is more than 5-10 times of what is normally
sufficient considering that billing cycle
is usually each month.

2. Because of more players in the ring,
the average card holder is being
pampered a lot. Through c-2-c, FYF,
LTF......

3. Banks are not making money in issuing
Cards or on annual charges - but in
Setting up steep milestones n in
charging more on EMIs.

For example, today my income is 12L pa - but Total LIMIT of my 6 cards is nearly 25L. Does it make any sense ?

When I had only 1 or 2 cards, my usage was close to 80% per month. Now, it is hardly around 10-15% per year of the total limit.

Following American trend..... Definitely yes.
 
RAMESH BABU N said:
The few important n emerging aspects to note are :

1. Instead of LIMITs at 2X of MONTHLY Incomes, now CCs are routinely giving
2X of ANNUAL incomes. That is more than 5-10 times of what is normally
sufficient considering that billing cycle
is usually each month.

2. Because of more players in the ring,
the average card holder is being
pampered a lot. Through c-2-c, FYF,
LTF......

3. Banks are not making money in issuing
Cards or on annual charges - but in
Setting up steep milestones n in
charging more on EMIs.

For example, today my income is 12L pa - but Total LIMIT of my 6 cards is nearly 25L. Does it make any sense ?

When I had only 1 or 2 cards, my usage was close to 80% per month. Now, it is hardly around 10-15% per year of the total limit.

Following American trend..... Definitely yes.
Click to expand...
Agreed my total CC limits on my cards is 3x my annual CTC and almost 4x my annual takehome 😅
 
Last edited:
RAMESH BABU N said:
The few important n emerging aspects to note are :

1. Instead of LIMITs at 2X of MONTHLY Incomes, now CCs are routinely giving
2X of ANNUAL incomes. That is more than 5-10 times of what is normally
sufficient considering that billing cycle
is usually each month.

2. Because of more players in the ring,
the average card holder is being
pampered a lot. Through c-2-c, FYF,
LTF......

3. Banks are not making money in issuing
Cards or on annual charges - but in
Setting up steep milestones n in
charging more on EMIs.

For example, today my income is 12L pa - but Total LIMIT of my 6 cards is nearly 25L. Does it make any sense ?

When I had only 1 or 2 cards, my usage was close to 80% per month. Now, it is hardly around 10-15% per year of the total limit.

Following American trend..... Definitely yes.
Click to expand...
Mine is 3X 🤣
 
I Have following CC, CIBIL 809, 15 queries in last 3years:

HDFC DCB LTF
Axis Magnus (With Burgundy account)
ICICI Amazon pay LTF
ICICI Coral LTF
ICICI Sapphiro dual card LTF
Yes First exclusive LTF
Indusind Legend LTF
HDFC neu Rupay LTF

Waiting for the last perl in my portfolio i.e. Infinia.
 
s73uresh said:
a correction in my statement - mine is BPCL and my wife's BPCL octane, since SBI refuse to give both cards to same person
Click to expand...
So you tried applying for both and got rejected bro? I am trying to upgrade from bpcl to bpcl octane and it was rejected. So thinking about applying for octane as 2nd card. Did you try the same and got rejected or haven't tried it bro?
 
Here's my portfolio

1. Axis Magnus
2. Axis Samsung Infinite
3. Axis Vistara Signature FYF
4. SBI Cashback
5. SBI SimplyClick
6. HDFC Tata Neu Infinity LTF
7. HDFC Millenia LTF
8. HDFC Swiggy
9. Amazon Pay ICICI LTF
10. ICICI Platinum Chip LTF
11. BOB OneCard LTF
12. AMEX Platinum Travel
13. Kotak Zen LTF
14. PNB Rupay Select Conditional LTF
15. Indusind Legend LTF
16. HSBC Cashback FYF

Closed

1. AMEX MRCC FYF (Upgraded to Platinum Travel)
2. Axis Ace FYF (replaced with Samsung Infinite)
3. Slice LTF (If that counts)

Wishlist

1. AU LIT (Rejected because of address issues, applied again today 🤞🏻🤞🏻)
2. IDFC First Select/Wealth (Applied long back, not resetting the application status)
3. Airtel Axis (not sure if it'll be of any use after HDFC Swiggy)
4. SC Platinum Rewards (got rejected after a month)
4. HDFC Infinia :')
 
Last edited:
Apply For LTF HDFC Swiggy Credit Card
Active: 23 | CIBIL: 776 | Depth of Credit: 5yrs

HDFC: Swiggy, Millennia, Tata Neu Infinity
Axis: Magnus, ACE, Flipkart
ICICI: APAY, Platinum, MMT Platinum, Coral Rupay
Yes: Prosperity Edge, Yes Rupay (Virtual)
SBI: Simply Click
RBL: Icon
HSBC: Platinum
SC: Rewards Platinum
AMEX: MRCC, PLAT TRAVEL
KOTAK: PVR GOLD, League Platinum
BOB: OneCard
AU: Xcite Ace
IndusInd: Legend
 
Hisoka said:
Here's my portfolio

1. Axis Magnus
2. Axis Samsung Infinite
3. Axis Vistara Signature FYF
4. SBI Cashback
5. SBI SimplyClick
6. HDFC Tata Neu Infinity LTF
7. HDFC Millenia LTF
8. HDFC Swiggy
9. Amazon Pay ICICI LTF
10. ICICI Platinum Chip LTF
11. BOB OneCard LTF
12. AMEX Platinum Travel
13. Kotak Zen LTF
14. PNB Rupay Select Conditional LTF
15. Indusind Legend LTF
16. HSBC Cashback FYF

Closed

1. AMEX MRCC FYF (Upgraded to Platinum Travel)
2. Axis Ace FYF (replaced with Samsung Infinite)
3. Slice LTF (If that counts)

Wishlist

1. AU LIT (Rejected because of address issues, applied again today 🤞🏻🤞🏻)
2. IDFC First Select/Wealth (Applied long back, not resetting the application status)
3. Airtel Axis (not sure if it'll be of any use after HDFC Swiggy)
4. SC Platinum Rewards (got rejected after a month)
4. HDFC Infinia :')
Click to expand...
Can you explain why did you reply Ace with Samsung Infinite?
 
CIBIL - 796 | Depth of Credit - 2 Years |
  • Active
    • HDFC : DinersClub Privilege (LTF), Tata Neu Plus (LTF)
    • Axis : Magnus (LTF), MyZone (LTF)
    • ICICI : Amazon Pay (LTF), Sapphiro (MC + AmEx) (LTF)
    • RBL : Icon (LTF)
    • OneCard Metal : Federal (LTF)
  • Closed
    • UniPay (LTF)
    • Axis : IndianOil Rupay
    • HDFC : Business MoneyBack (LTF)
    • RBL : Zomato Edition (LTF), Shoprite (LTF)

  • Wishlist
    • HDFC Infinia
    • HDFC Tata Neu Infinity
    • Axis Airtel
 
Last edited:
Here is mine all Active CC :
ICICI : Amazon Pay, MMT Signature,Coral Rupay( All LTF)
HDFC: Millennia, Tata neu infinity (Both LTF)
Axis: Flipkart LTF
Amex : MRCC (waived off easily 1500 + gst )
Federal : Scapia LTF
PNB : Rupay Select conditional LTF
IndusInd : Legend LTF
AU Xcite Ultra On the way : LTF
IDFC : Select LTF(given closure request in hope for wealth next time )
 
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