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

[Saipsy]

HDFC - Millennia
ICICI - Amazon Pay, Rubyx
Axis - Atlas, NEO, ACE, Privilege
IDFC - Select
Federal - Signet
AU - Lit
BOB - Premier, OneCard
RBL - World Safari
YES - FinBooster
IndusInd - EazyDiner, Legend
SBI - Octane
SBM - Paisabazaar, Niyo Global

Bold are the ones, I use mostly. Other cards barely use them.

 

[plastikman]

This was an official offer

You were talking about approval basis. I am asking about that

For that you'll have to contact RM / BM. Only they will be able to get such an approval based on your relationship with Kotak.

 

[steiner03]

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 Mastercard LTF
ICICI Coral Amex LTF

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)

How eazydiner LTF?
And how did you get 2 federal cards? They have 1 card policy right?

 

[AlgoTrader]

How eazydiner LTF?
And how did you get 2 federal cards? They have 1 card policy right?

exactly my thoughts 😛 especially the federal, there was another post today, where scapia was rejected because user had pre-approve jupiter card.. user didnt even had that card, just had it pre approved
but sometimes wild cards and exceptions are there, would love to know the story here

 

[Martius]

How eazydiner LTF?
And how did you get 2 federal cards? They have 1 card policy right?

EazyDiner:

I had earlier in one of the IndusInd Eazydiner threads somewhere mentioned how i had negotiated an unconditional FYF without having to spend 20k in 90 days. So basically I’ve been an EazyDiner prime for almost 2 years now and always through a free coupon not by paying for prime. Currently using the Poshvine Visa signature offer got the Times prime membership and then Eazydiner prime 6 months free. So after the negotiations finally when they agreed to offer a FYF EazyDiner on unconditional basis i sat on that offer for a couple of days. Though i had insisted them to provide me an LTF on conditional basis but they denied.

The next day I had gone out dinning with my family and paid a bill via Eazypay of around 5k.

The very next day I received a call from EazyDiner social media team asking whether i have received my EazyDiner CC or not to which i informed that i wasn’t satisfied with the FYF offer and based on my usage of EazyDiner i was expecting an EazyDiner LTF. The executive told me that LTF can only be confirmed by IndusInd so he said that he’ll take a request for the same and would revert back with an update.

The very next morning received a call from the same executive that based on my relationship with EazyDiner and IndusInd my request for LTF has been approved. He informed me that the format of the mail would be same but it will be issued on an LTF basis. I did not trust him so I finally decided to go to the nearest branch since i anyways wanted to open a select savings account in IndusInd since I already have an IndusInd Legend CC and got to know about the select savings account here on TF community.

Went to the nearest branch. Explained the situation to the branch manager and informed him that i also want to make an FD of 5 Lakh for 6 months. He initially insisted me to do an FD for 1 year but I explained him how I have this 5 lakh parked for 1.5 years but i do FD for 6 months only because one cannot predict when an urgency arrives. (FOR EVERYONE WHO BLAST WITH THR COMMENT THAT 5 LAKH FD IS NOT WORTH IT FOR A CC, I HAD TO DO AN FD ANYWAYS SINCE THIS FD HAD MATURED LAST MONTH AND I WAS ONLY WAITING ON DOING AN FD AGAIN SINCE I WANTED TO USE THIS AS NEGOTIATION FOR DCB WITH HDFC BUT SINCE MY FATHER GOT A DCB JUST A WEEK BACK WHICH ONLY I WILL BE USING SO I JUST USED IT FOR INDUSIND EAZYDINER CC)

Lol this is already too long!! In Short opened IndusInd Select savings and had my CC linked to account and got EazyDiner CC LTF by making an FD of 5 Lakh for 6 months. Which i will next use for Axis Airtel if it works lol

 

[Martius]

How eazydiner LTF?
And how did you get 2 federal cards? They have 1 card policy right?

Federal Imperio and Scapia i had explained a couple of days back! Kindly refer to this thread

https://www.technofino.in/community/threads/bob-eterna-on-basis-of-one-card.17595/post-360860

 

[raghu.rokda]

EazyDiner:

I had earlier in one of the IndusInd Eazydiner threads somewhere mentioned how i had negotiated an unconditional FYF without having to spend 20k in 90 days. So basically I’ve been an EazyDiner prime for almost 2 years now and always through a free coupon not by paying for prime. Currently using the Poshvine Visa signature offer got the Times prime membership and then Eazydiner prime 6 months free. So after the negotiations finally when they agreed to offer a FYF EazyDiner on unconditional basis i sat on that offer for a couple of days. Though i had insisted them to provide me an LTF on conditional basis but they denied.

The next day I had gone out dinning with my family and paid a bill via Eazypay of around 5k.

The very next day I received a call from EazyDiner social media team asking whether i have received my EazyDiner CC or not to which i informed that i wasn’t satisfied with the FYF offer and based on my usage of EazyDiner i was expecting an EazyDiner LTF. The executive told me that LTF can only be confirmed by IndusInd so he said that he’ll take a request for the same and would revert back with an update.

The very next morning received a call from the same executive that based on my relationship with EazyDiner and IndusInd my request for LTF has been approved. He informed me that the format of the mail would be same but it will be issued on an LTF basis. I did not trust him so I finally decided to go to the nearest branch since i anyways wanted to open a select savings account in IndusInd since I already have an IndusInd Legend CC and got to know about the select savings account here on TF community.

Went to the nearest branch. Explained the situation to the branch manager and informed him that i also want to make an FD of 5 Lakh for 6 months. He initially insisted me to do an FD for 1 year but I explained him how I have this 5 lakh parked for 1.5 years but i do FD for 6 months only because one cannot predict when an urgency arrives. (FOR EVERYONE WHO BLAST WITH THR COMMENT THAT 5 LAKH FD IS NOT WORTH IT FOR A CC, I HAD TO DO AN FD ANYWAYS SINCE THIS FD HAD MATURED LAST MONTH AND I WAS ONLY WAITING ON DOING AN FD AGAIN SINCE I WANTED TO USE THIS AS NEGOTIATION FOR DCB WITH HDFC BUT SINCE MY FATHER GOT A DCB JUST A WEEK BACK WHICH ONLY I WILL BE USING SO I JUST USED IT FOR INDUSIND EAZYDINER CC)

Lol this is already too long!! In Short opened IndusInd Select savings and had my CC linked to account and got EazyDiner CC LTF by making an FD of 5 Lakh for 6 months. Which i will next use for Axis Airtel if it works lol

इतना बड़ा essay कौन लिखता है भाई

इसे पड़ के सर दर्द होने लगा

 

[Martius]

इतना बड़ा essay कौन लिखता है भाई

इसे पड़ के सर दर्द होने लगा

Bhai struggle hi itna lamba tha iss card ke liye! 😂😂 Mailed IndusInd first time in August mid and finally got the card in mid Sep!

 

[armat]

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 39 active credit cards as on date out of which 34 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
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 Gold Charge Card
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
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF

How did you apply for 2nd and 3rd card from Kotak ? Was it an upgrade in Kotak app or applied through website? Are those 3 cards active ?

 

[rahulsethi]

How did you apply for 2nd and 3rd card from Kotak ? Was it an upgrade in Kotak app or applied through website? Are those 3 cards active ?

First card was applied offline through my RM, second card from myntra app and third from cards dot kotak dot com. All three cards are active. White is LTF, Myntra FYF, League Rupay LTF

 

[armat]

First card was applied offline through my RM, second card from myntra app and third from cards dot kotak dot com. All three cards are active. White is LTF, Myntra FYF, League Rupay LTF

Which was your first card ? How did you get white card ltf ?

 

[rahulsethi]

Which was your first card ? How did you get white card ltf ?

Privy banking White LTF was my first card

 

[Nagarjun P S]

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 39 active credit cards as on date out of which 34 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
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 Gold Charge Card
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
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF

thats an impressive list! How did u manage to get HDFC DCB and Neu Infinity cards for LFT?

 

[palen]

My list,

Bank	Name
HDFC	Neu
SBI	Cashback
HDFC	Millennia
ICICI	Amazon Pay
ICICI	Sapphiro Amex
ICICI	Sapphiro Master Card
Axis	Kiwi
Federal	Scapia
IDFC	Wow

 

[rahulsethi]

My list,

Bank	Name
HDFC	Neu
SBI	Cashback
HDFC	Millennia
ICICI	Amazon Pay
ICICI	Sapphiro Amex
ICICI	Sapphiro Master Card
Axis	Kiwi
Federal	Scapia
IDFC	Wow

Almost all LTF cards except may be Cashback kudos

 

[rahulsethi]

Just got Amex MRCC approved making it my 40th active credit card. 10 to go!

 

[Tosh]

My Portfolio has expanded quite a bit since 1 year of me starting this journey with my first CC. Sharing in chronological order.

HDFC DCB - 5L - LTF
IDFC Frist Select - 4.5L - LTF
ICICI Amazon Pay - 50k - LTF
SBI Cashback - 60k - Paid (fees waived for second year too)
AU Zenith - 5.05L - LTF
Axis Ace - 2.65L - Paid (500)
ICICI Sapphiro (Visa/MC/Amex) - 3L - LTF
Tata Neu Infinity - 5L - FYF
ICICI Coral Rupay - 3L - LTF

Pretty much have all the cards I want... thinking about adding MRCC for NPS payments other than that I am happy with the current portfolio.

 

[vine]

Just got Amex MRCC approved making it my 40th active credit card. 10 to go!

Bhai, how to get a good LTF credit card from Kotak. Is White LTF if am Privy customer?
I am privy customer and tried contacting customercase, RM. No response from them.

 

[anirban.choudhuryanirban.choudhury is verified member.]

Bhai, how to get a good LTF credit card from Kotak. Is White LTF if am Privy customer?
I am privy customer and tried contacting customercase, RM. No response from them.

You don't need to be a privy customer to get white LTF
Kotak was issuing LTF white for new customers last month
Also if you ask for card closure , kotak retention team would mostly offer you white or Zen LTF

 

[rahulsethi]

Bhai, how to get a good LTF credit card from Kotak. Is White LTF if am Privy customer?
I am privy customer and tried contacting customercase, RM. No response from them.

Yes for certain Privy tiers white is LTF