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

[Hisoka]

Can you explain why did you reply Ace with Samsung Infinite?

Was using Magnus as my primary card which gave me 4.8% Airmile. And after Ace put 500 capping on utilities I closed it because HDFC Millenia and SBI Cashback can provide 5% upto 5000 using GV from Amazon.

Applied for Samsung Infinite for joining bonus of 24k Airmiles. Also it’s good for international spends even after devaluation, so will close before renewal

 

[Pawan_KS]

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

How did u get Magnus LTF?

 

[Deleted member 8482]

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.

I am waiting for firstcry co branded credit card 🙂

 

[s73uresh]

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?

I applied for bpcl octane 1 year back and got rejected since i hold normal bpcl card, so tried applying octane card in my wife's name and got it. This Aug there was renewal before which i raised service request to close the card. Customer care called her and agreed to reverse the fees and tax, if we continue. Upon fees being debited on statement date, we had called and quoted the SR number and they raised another request to reverse the fees, which happened promptly with effect on same day as fees was charged. This trick I did for my bpcl card and they reversed the fees. I didnt want to close normal bpcl simply because I hold from 2020 july and use it to get instant discount when buying in Amazon or airtickets etc but dont use for petrol filling since it gives 4% bpcl voucher rather my wife's octance gives 6.25% voucher. I too hold simplyclick card which i use to get instant discount during mega sale events in different websites. My opinion is if you maintain good profile especially holding SBI relationship, the approval chances on any financial requests is bright, this may be totally wrong as well

 

[ARV]

My Portfolio below:

SL	Bank	Card Variant	Limit	Fees
1	Axis	Magnus	363000	11800
2	Axis	Samsung Infinite	Shared	5900
3	Axis	Vitara Infinite	Shared	11800
4	Axis	ATLAS	Shared	5900
5	SBI	Simply Click	25000	590
6	SBI	Cashback card	110000	1180
7	BOB	Eterna	200000	2949
8	IndusInd	Legend Signature	75000	LTF
9	One	South Indian Bank	200000	LTF
10	AMEX	MRCC	396000	5310
11	AMEX	Gold Charge	NA	5310
12	AMEX	Plat Travel	640000	5900
13	AMEX	Plat Charge	NA	70800
14	PNB	Select	175000	885
15	HDFC	DCP	400000	LTF
16	HDFC	Tata Neu Infinity	Shared	LTF
17	ICICI	Amazon Pay	800000	LTF
18	ICICI	Platnium	Shared	LTF
19	ICICI	Coral	Shared	LTF
20	RBL	World Safari	237000	LTF
21	IDFC	Select	200000	LTF
22	AU	LIT	640000	LTF
23	SCB	Smart	346000	590
24	HSBC	Visa Platnium	150000	LTF

Closed

SL	Bank	Card Variant	Limit	Fees
1	RBL	Shoprite	237000	LTF
2	Axis	Flipkart	146000	590
3	RBL	Zomato	237000	LTF
4	IDFC	Select	183000	LTF
5	IDFC	Classic	93000	LTF
6	BOB	Easy	50000	590
7	SBI	Prime	25000	3540

 

[AlgoTrader]

thanks for the detailed response, I was just about to apply for octane and thanks to your message, I refrained from it. I will close my bpcl card first and then will apply for octane after few months

I applied for bpcl octane 1 year back and got rejected since i hold normal bpcl card, so tried applying octane card in my wife's name and got it. This Aug there was renewal before which i raised service request to close the card. Customer care called her and agreed to reverse the fees and tax, if we continue. Upon fees being debited on statement date, we had called and quoted the SR number and they raised another request to reverse the fees, which happened promptly with effect on same day as fees was charged. This trick I did for my bpcl card and they reversed the fees. I didnt want to close normal bpcl simply because I hold from 2020 july and use it to get instant discount when buying in Amazon or airtickets etc but dont use for petrol filling since it gives 4% bpcl voucher rather my wife's octance gives 6.25% voucher. I too hold simplyclick card which i use to get instant discount during mega sale events in different websites. My opinion is if you maintain good profile especially holding SBI relationship, the approval chances on any financial requests is bright, this may be totally wrong as wel

 

[Deleted member 8482]

My Portfolio below:

SL	Bank	Card Variant	Limit	Fees
1	Axis	Magnus	363000	11800
2	Axis	Samsung Infinite	Shared	5900
3	Axis	Vitara Infinite	Shared	11800
4	Axis	ATLAS	Shared	5900
5	SBI	Simply Click	25000	590
6	SBI	Cashback card	110000	1180
7	BOB	Eterna	200000	2949
8	IndusInd	Legend Signature	75000	LTF
9	One	South Indian Bank	200000	LTF
10	AMEX	MRCC	396000	5310
11	AMEX	Gold Charge	NA	5310
12	AMEX	Plat Travel	640000	5900
13	AMEX	Plat Charge	NA	70800
14	PNB	Select	175000	885
15	HDFC	DCP	400000	LTF
16	HDFC	Tata Neu Infinity	Shared	LTF
17	ICICI	Amazon Pay	800000	LTF
18	ICICI	Platnium	Shared	LTF
19	ICICI	Coral	Shared	LTF
20	RBL	World Safari	237000	LTF
21	IDFC	Select	200000	LTF
22	AU	LIT	640000	LTF
23	SCB	Smart	346000	590
24	HSBC	Visa Platnium	150000	LTF

Closed

SL	Bank	Card Variant	Limit	Fees
1	RBL	Shoprite	237000	LTF
2	Axis	Flipkart	146000	590
3	RBL	Zomato	237000	LTF
4	IDFC	Select	183000	LTF
5	IDFC	Classic	93000	LTF
6	BOB	Easy	50000	590
7	SBI	Prime	25000	3540

You are almost paying 1.2 Lakh annual fees for all these paid cards. what benefits you are getting after spending 1.2 lakhs annually?

 

[ARV]

You are almost paying 1.2 Lakh annual fees for all these paid cards. what benefits you are getting after spending 1.2 lakhs annually?

Will close most of the paid cards, took most of them for joining bonus
Axis Vistara - took when there was a FYF offer

Axis Samsung Infinite - took for 30k joining points
Amex Plat Charge - Took for 1.1L MR points - will close next renewal if no retention
Above cards were taken as i had an International trip planned and was getting better value than buying air tickets directly and can enjoy card benefits as well

Eterna - Have meet the spend criteria - Good card until deval, will close next renewal
SBI CB card - Have met the spend criteria - will keep for CB
MRCC - Have met the spend criteria - will keep for 1500*4 transactions for 1000 MR points
Axis Magnus - Have met the spend criteria - will close in 2024 renewal
SCB Smart - will close, not using much
Gold Charge - will close next renewal if no retention

Most of my spends are on SBI CB, Amex Plat travel & Axis Atlas now

 

[Deleted member 8482]

Will close most of the paid cards, took most of them for joining bonus
Axis Vistara - took when there was a FYF offer

Axis Samsung Infinite - took for 30k joining points
Amex Plat Charge - Took for 1.1L MR points - will close next renewal if no retention
Above cards were taken as i had an International trip planned and was getting better value than buying air tickets directly and can enjoy card benefits as well

Eterna - Have meet the spend criteria - Good card until deval, will close next renewal
SBI CB card - Have met the spend criteria - will keep for CB
MRCC - Have met the spend criteria - will keep for 1500*4 transactions for 1000 MR points
Axis Magnus - Have met the spend criteria - will close in 2024 renewal
SCB Smart - will close, not using much
Gold Charge - will close next renewal if no retention

Most of my spends are on SBI CB, Amex Plat travel & Axis Atlas now

Ok Got it.

 

[vivian]

How did u get Magnus LTF?

long story. had a long pending grievance with Axis. escalated it and got Magnus LTF as compensation.

 

[nakulg]

==> Current Cards:

1. ICICI Amazon Pay (>5L) LTF
2. HDFC Millenia (2L) LTF
3. HDFC Tata Neu Infinity Rupay (2L shared with Millenia) LTF
4. AMEX Gold Charge (>3L shadow limit) Chargable (Will try retention after 1 year)
5. SBI Club Vistara Prime (>1.5L) Chargable (Redemmed 6 flight tickets until now, 4 Prem, 2 Eco)
6. AU Xcite Ultra (>7.5L) LTF

==> Aim for next year:

1. Upgrade AU Xcite Ultra LTF to AU Zenith LTF
2. Any Axis Bank Card
3. Increase CL of HDFC cards
4. Try for HDFC Regalia (I know it's next to impossible, at least for me, let's see)

==> Closed Cards:

1. Citi Cashback (It was my first, had no idea what CC rewards could be)

 

[Patil007]

==> Current Cards:

1. ICICI Amazon Pay (>5L) LTF
2. HDFC Millenia (2L) LTF
3. HDFC Tata Neu Infinity Rupay (2L shared with Millenia) LTF
4. AMEX Gold Charge (>3L shadow limit) Chargable (Will try retention after 1 year)
5. SBI Club Vistara Prime (>1.5L) Chargable (Redemmed 6 flight tickets until now, 4 Prem, 2 Eco)
6. AU Xcite Ultra (>7.5L) LTF

==> Aim for next year:

1. Upgrade AU Xcite Ultra LTF to AU Zenith LTF
2. Any Axis Bank Card
3. Increase CL of HDFC cards
4. Try for HDFC Regalia (I know it's next to impossible, at least for me, let's see)

==> Closed Cards:

1. Citi Cashback (It was my first, had no idea what CC rewards could be)

Any Axis Bank Card: Apply Axis Neo, currently it is being offered LTF only from Axis website.

 

[rahulsethi]

Update 39th credit card approved 🤪 Kotak League Rupay LTF. Makes it my 3rd Kotak card after LTF white card and FYF Myntra. 11 to go 🤣

 

[raghu.rokda]

Update 39th credit card approved 🤪 Kotak League Rupay LTF. Makes it my 3rd Kotak card after LTF white card and FYF Myntra. 11 to go 🤣

Kotak also gives unlimited cards like ICICI

 

[rahulsethi]

Kotak also gives unlimited cards like ICICI

Hehe these days th even HDFC is giving 3-4 cards easily as floater

 

[rahulsethi]

You are almost paying 1.2 Lakh annual fees for all these paid cards. what benefits you are getting after spending 1.2 lakhs annually?

I see some competition here

 

[Desu Sarath]

All unsecured

HDFC: DCB, Neu Infinity (Both LTF)
ICICI: Apay, Coral, Rubyx, Sapphiro (All LTF)
Amex: Gold, Platinum Travel(FYF)
SBI: Vistara Prime
PNB: Rupay Select (Conditional LTF)
BoB: ICAI, Premier (Both LTF)
Axis: Atlas, Vistara Signature, My Zone(LTF)
AU: Zenith(LTF)
Kotak: Myntra(FYF)
Federal: OneCard(LTF)

I have Neu LTF, how to get DCB ltf ? I have LTF of sapphiro and Apay.

Thank you.

 

[Pawan_KS]

I have Neu LTF, how to get DCB ltf ? I have LTF of sapphiro and Apay.

Thank you.

you can get dcb ltf via alumni offer

 

[Adwait]

Update 39th credit card approved 🤪 Kotak League Rupay LTF. Makes it my 3rd Kotak card after LTF white card and FYF Myntra. 11 to go 🤣

Did you apply online?
Any hard enquiry happened?

 

[Pawan_KS]

Did you apply online?
Any hard enquiry happened?

How many cibil queries u have in last 3years.