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How Many Cards Are in Your Wallet? 🤔💳 Share Your Count & Their Purpose!

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Anindya98

Anindya98

TF Legend
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💳 How Many Cards Are in Your Wallet? 🤔


We all carry different cards for different reasons—some for rewards, some for travel, and some just because we love collecting them! 😎


🔥 Drop your card count & their purpose:
✅ Daily spends & cashback 💰
✅ Travel perks & lounge access ✈️🏢
✅ Exclusive discounts & offers 🎁
✅ Just for the collection? 🤩
✅ Cashback & rewards 🎁
✅ Just for the flex? 😎

Do you have any plans to change, replace, or reduce any cards in your wallet?

Let’s see who has the most optimized (or overloaded) wallet! 🚀💬 #CardGame

Both credit and debit cards are part of the discussion.
Share the cards in your wallet and your strategy for using them!
 
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    the_collector said:
    Are these All the cards you have? Or just the ones in your wallet? Seems so well rounded in just 7 cards.
    Click to expand...
    these are all the cards I have currently. I used to have around 12. but wanted to reduce total limit in cibil (which was around 60L) so closed a few. rn total limit would be around 30L. (sapphiro and coral share one entry/limit)
    in my wallet I carry Infinia (just for flexing 🤣), Atlas, and Plat travel (if milestone pending). Along with these Imperia DC.
    Planning to close Marquee and get Kiwi sometime this year. Got them to refund the first year fee for it.
     
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    _ayush said:
    these are all the cards I have currently. I used to have around 12. but wanted to reduce total limit in cibil (which was around 60L) so closed a few. rn total limit would be around 30L. (sapphiro and coral share one entry/limit)
    in my wallet I carry Infinia (just for flexing 🤣), Atlas, and Plat travel (if milestone pending). Along with these Imperia DC.
    Planning to close Marquee and get Kiwi sometime this year. Got them to refund the first year fee for it.
    Click to expand...
    I think perfectly well rounded and a great collection 🙂 95% of spends will be easily optimised and covered on these cards.

    About flexing, my first metal card was onecard so I carried it in my wallet for the longest time haha. But working my way towards infinia 😛
     
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    the_collector said:
    95% of spends will be easily optimised and covered on these cards.
    Click to expand...
    After getting Infinia, the thrill of collecting cards went away for me. took add-on for my parents incase I hit smartbuy limit on my card.
    so the point was, instead of thinking and optimising every spends, tracking milestones, etc, I optimised major spends. this way I don't have to think much for every spend.
    Also reduced limit on plat travel from 6.6L to 4.5L since above 4L spend, I won't use it. amex executive was a bit shocked when I said instead of increasing limit, I want to reduce it 🤣.
     
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    Anindya98 said:
    💳 How Many Cards Are in Your Wallet? 🤔


    We all carry different cards for different reasons—some for rewards, some for travel, and some just because we love collecting them! 😎


    🔥 Drop your card count & their purpose:
    ✅ Daily spends & cashback 💰
    ✅ Travel perks & lounge access ✈️🏢
    ✅ Exclusive discounts & offers 🎁
    ✅ Just for the collection? 🤩
    ✅ Cashback & rewards 🎁
    ✅ Just for the flex? 😎

    Do you have any plans to change, replace, or reduce any cards in your wallet?

    Let’s see who has the most optimized (or overloaded) wallet! 🚀💬 #CardGame

    Both credit and debit cards are part of the discussion.
    Share the cards in your wallet and your strategy for using them!
    Click to expand...
    DCBM for daily usage

    Amazon pay icici backup cards wherever dcbm don't work.

    Sbi Cashback for online usage

    Coral RUPAY for UPI.
     
    Upvote 0 Downvote
    My Card Count - 17 Active, 2 Closed
    1. DCB - Primary card
    2. Axis Altas - For hotel and flights
    3. HSBC Live+ - For grocery/zomato/dining
    4. Swiggy card - For instamart/ Swiggy
    5. SC smart - Govt transactions /NPS
    6. Amex Travel - Till 4L milestone for insurance, Gyftr
    7. Amex MRCC - Amazon Pay voucher for 4x1500 milestone
    8. Yes Marquee - For BOGO Book my show & unlimited international lounges
    9. BOB Eterna - 40k milestone per quarter for unlimited domestic lounge
    10. IndusInd Pinnacle - For exclusive account
    11. ED signature - For dining
    12. BoB Snapdeal & ICICI Coral Rupay - For UPI
    13. BPCL Octane - For Fuel

    Cards not used currently
    14. ICICI Sapphiro,
    15. AmazonPay ICICI
    16. IDFC Wealth
    17. SBI Pulse
     
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    _ayush said:
    After getting Infinia, the thrill of collecting cards went away for me. took add-on for my parents incase I hit smartbuy limit on my card.
    so the point was, instead of thinking and optimising every spends, tracking milestones, etc, I optimised major spends. this way I don't have to think much for every spend.
    Also reduced limit on plat travel from 6.6L to 4.5L since above 4L spend, I won't use it. amex executive was a bit shocked when I said instead of increasing limit, I want to reduce it 🤣.
    Click to expand...
    Does addon card have a separate smartbuy limit
     
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    Anindya98 said:
    💳 How Many Cards Are in Your Wallet? 🤔
    Click to expand...
    Myself and my spouse together hold 45 credit cards and 14 debit cards.

    I am not a flight/hotel person. I fly only twice or thrice an year. So my cards are cashback oriented.

    Cards I always carry in my wallet:
    • HSBC Live+: For Dining, Departmental stores, and as backup for Offline spends.
    • IDFC Power+: Using HP Pay Wallet Load, but keeping card as backup.
    • ICICI Amazon Pay: For hospital spends - the one we usually visit has Educational payment MCC.
    • DBS Rupay Platinum DC: For emergency ATM withdrawal - Always maintaining 10k in this account.
    Cards I frequently use:
    • YES Kiwi: Offline QR Scan.
    • SBI Cashback: King of Cashback CCs - Most of the online spends.
    • Axis Airtel: Airtel recharges, Bill payments upto 2500 per month.
    • BoB Eterna: Lounge access, Monthly Online Jewellery Purchase Plan payment, BMS Visa Infinite Offer.
    • Axis Flipkart: For double dips in FK - usually gold coin purchases.
    • Axis Neo: Zomato 40% off upto 120.
    • HDFC Swiggy: For double dips in Ajio, Swiggy and Instamart.
    • IDFC Mayura: For Jewellery Purchase.
    • IDFC Wealth and FirstTap DCs: You know 😉
    • HDFC Millennia DC: You know this as well 😁.
    Cards I rarely use:
    • Amex Platinum Travel: Done 4L for the year. So it is sitting idle now.
    • AU Zenith: AU sometimes give good spend based offers for Jewellery Purchase. Last year used this card well.
    • Federal Celesta: Lounge access, BMS.
    • Axis Ace: Backup for Offline spends.
    • HDFC Regalia Gold: Insurance spends, Lounge access.
    Cards that are sitting idle (mostly for bank offers only):
    • Amex Gold, MRCC - Stopped using after AGV devaluation.
    • Axis Myzone
    • DBS Spark5
    • HDFC Tata Neu Infinity, Pixel Play
    • ICICI Sapphiro, Coral, Platinum
    • IDFC Wealth, Ashva
    • IndusInd Legend, Platinum Rupay
    • Kotak League
    • RBL Icon
    • SBI SimplyClick, SimplySave.
    • RBL Signature Plus DC
    • ICICI Wealth Management DC
     
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    My current CC strategy:

    for cashback : SBI CB, HSBC Live+ (covering online and offline respectively)

    UPI : Axis Kiwi (direct cashback in savings bank account after redeeming points)

    Fuel at HP : using Amex SE (MRCC 1500*4 is more of a headache for me shall close it soon - wish Amex MRCC introduces 1000 bonus points on spending 6K and 20K respectively - sent a feedback mail to modify reward structure)

    Lounge : IDFC Wealth DC, HSBC Live+ (flight travel 3-4 times a year)

    others for bank offers : ICICI Platinum, HDFC Millennia, SBI SimplyClick, Au Zenith.

    First and second CC : Amazon and FK Axis - LTF

    Goal : trying to keep minimum CC, not into hotels, flights, so prefer cashback cards.
    Last card applied : SBI SimplyClick in Sep 2024.
     
    Last edited:
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    aniketkr.sharma said:
    For Carrying in pocket wallet I carry only one DCBM.

    Amazon pay icici & SBI Cashback is in samsung wallet for tap & pay

    Coral RUPAY for UPI Payments if pay via card is available with merchant.
    Click to expand...
    R they crediting reward points regularly for Coral rupay? Previously I used to get for smaller transactions, but now they have stopped. Since last December I shifted to pixel Rupay.
     
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    Sourabh_13 said:
    Cards that I carry in the Wallet:

    Day-to-Day:
    1. SBI Elite Visa Signature (LTF): 2.5% worth rewards on dining
    2. Axis Flipkart MasterCard (LTF): 1% cashback on offline spends
    3. SBI Wealth RuPay Select DC (LTF): Emergency cash withdrawal and Flex

    Domestic Travel: Day-to-Day cards +
    1. SBI Elite (LTF) / ICICI Sapphiro Dual (LTF) / SBI Wealth Visa Signature DC (LTF) / SBI Wealth RuPay Select (LTF) / IDFC Future First Visa Signature (LTF): Any two of these depending on locations and acceptances at the domestic airport lounges
    2. ICICI Coral (LTF): Only if going to visit a railway lounge

    International Travel:
    1. Priority Pass + DreamFolks Card: International lounge access
    2. SBI Wealth RuPay Select DC (LTF): International lounge access, backup DC, Flex
    2. IDFC WOW: 0 forex, so all foreign transactions
    3. SBI Elite (LTF): Backup card for foreign spends (1.99% forex)


    All Active Cards, including those that never go into the wallet:

    Online Spends:
    1. SBI Cashback (LTF): For most of online transactions to get 5% cashback
    2. ICICI Amazon Pay (LTF): Not using much after getting SBI Cashback; was the most used card since most of my spends are on Amazon
    3. Axis Flipkart (LTF): Flipkart Spends (when double dipping can be done)

    Offline Spends:
    1. SBI Elite (LTF): 2.5% worth rewards for grocery spends
    2. Axis Flipkart (LTF): 1% cashback on spends where no other card gives better returns

    UPI Transactions:
    1. Yes Kiwi (LTF)

    Food Orders and Dining:
    1. Axis Neo (LTF): 40% upto 120 Zomato offer (twice a month) (I rarely order twice a month)
    2. SBI Elite (LTF): 2.5% worth rewards at food joints and restaurants (I don't dine out rarely so haven't taken any dining focused card)

    Entertainment:
    1. SBI Elite (LTF): Free movie tickets
    2. SBI Wealth RuPay Select DC (LTF): Free play tickets
    3. ICICI Sapphiro Dual (LTF): Free movie tickets

    Railway Lounge Access:
    1. ICICI Coral Rupay (LTF)

    Domestic Airport Lounge Access:
    1. SBI Elite (LTF)
    2. ICICI Sapphiro Dual (LTF)
    3. SBI Wealth RuPay Select DC (LTF)
    4. SBI Wealth Visa Signature DC (LTF)
    5. IDFC Future First Visa Signature DC (LTF)

    International Airport Lounge Access:
    1. SBI Elite (LTF): Priority Pass
    2. ICICI Sapphiro Dual (LTF): Dremfolks Card
    3. SBI Wealth RuPay Select DC (LTF)
    4. Indian Bank RuPay Select (Paid)
    5. Jana SFB Rupay Select DC (Paid)

    Flex:
    1. SBI Elite (LTF)
    2. SBI Wealth RuPay Select (LTF)

    Credit Card Bill Payment:
    1. SBI Virtual RuPay Select DC (LTF)
    2. IDFC Future First Visa Signature DC (LTF)
    Click to expand...
    How's holding two SBI Wealth DC that too both LTF?
    We only have option to opt for one.
     
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