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Offer Fulfilled! My Benefits of Joining TF Community

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M

MJN

TF Premier
RML Group
Verified User
I have been followed of this community for last 5 years.

Below are the benefits I have got by following this wonderful community.

Hdfc tata neu infinity LTF
ICICI hpcl super saver rupay conversion+ LTF
ICICI Amazon LTF
SBI BPCL OCTANE Rupay Conversion+ LTF
Got RBL Xtra IOCL (Paid) 1st year fee waiver( Spent around 2 L vs 2.75 L)
Axis Flipkart LTF
Axis ( CITI) IOCL Premium LTF

Got Amex Platinum Travel 1st year Retention offer (1.5L in 90 days) - 4 L Milestone done. Now this card is for renewal. No retention offered now. Came to know about Marriott Bonvoy MR. Transferred 1L points. Ad published in RML.

Spent Criteria Done Cards:
Got the rare HSBC Live Plus ( Paid) - 2 year old card. Never got less than Rs 1000 cashback in any month since I got the card.

Got Axis Airtel Rupay Conversion (Paid) - Always getting that Rs 500 cashback (Airtel + Utility)


PENDING TO BE DONE.

HDFC Regalia LTF to DCB Metal or Infinia ( Not able to spend much - No upgrades offered in the last 4 years)

Need to get Axis Super Card Pro for UPI spent.

And I always used the tricks and got more benefits.
By the way my cibil is 796 / 15 yrs credit history/ Never missed the payment nor paid single rupee interest.
 
Apply For LTF IndusInd Bajaj Tiger Credit Card
MJN said:
I have been followed of this community for last 5 years.

Below are the benefits I have got by following this wonderful community.

Hdfc tata neu infinity LTF
ICICI hpcl super saver rupay conversion+ LTF
ICICI Amazon LTF
SBI BPCL OCTANE Rupay Conversion+ LTF
Got RBL Xtra IOCL (Paid) 1st year fee waiver( Spent around 2 L vs 2.75 L)
Axis Flipkart LTF
Axis ( CITI) IOCL Premium LTF

Got Amex Platinum Travel 1st year Retention offer (1.5L in 90 days) - 4 L Milestone done. Now this card is for renewal. No retention offered now. Came to know about Marriott Bonvoy MR. Transferred 1L points. Ad published in RML.

Spent Criteria Done Cards:
Got the rare HSBC Live Plus ( Paid) - 2 year old card. Never got less than Rs 1000 cashback in any month since I got the card.

Got Axis Airtel Rupay Conversion (Paid) - Always getting that Rs 500 cashback (Airtel + Utility)


PENDING TO BE DONE.

HDFC Regalia LTF to DCB Metal or Infinia ( Not able to spend much - No upgrades offered in the last 4 years)

Need to get Axis Super Card Pro for UPI spent.

And I always used the tricks and got more benefits.
By the way my cibil is 796 / 15 yrs credit history/ Never missed the payment nor paid single rupee interest.
Click to expand...
Pretty awesome and inspirational
 
MJN said:
I have been followed of this community for last 5 years.

Below are the benefits I have got by following this wonderful community.

Hdfc tata neu infinity LTF
ICICI hpcl super saver rupay conversion+ LTF
ICICI Amazon LTF
SBI BPCL OCTANE Rupay Conversion+ LTF
Got RBL Xtra IOCL (Paid) 1st year fee waiver( Spent around 2 L vs 2.75 L)
Axis Flipkart LTF
Axis ( CITI) IOCL Premium LTF

Got Amex Platinum Travel 1st year Retention offer (1.5L in 90 days) - 4 L Milestone done. Now this card is for renewal. No retention offered now. Came to know about Marriott Bonvoy MR. Transferred 1L points. Ad published in RML.

Spent Criteria Done Cards:
Got the rare HSBC Live Plus ( Paid) - 2 year old card. Never got less than Rs 1000 cashback in any month since I got the card.

Got Axis Airtel Rupay Conversion (Paid) - Always getting that Rs 500 cashback (Airtel + Utility)


PENDING TO BE DONE.

HDFC Regalia LTF to DCB Metal or Infinia ( Not able to spend much - No upgrades offered in the last 4 years)

Need to get Axis Super Card Pro for UPI spent.

And I always used the tricks and got more benefits.
By the way my cibil is 796 / 15 yrs credit history/ Never missed the payment nor paid single rupee interest.
Click to expand...
Lovely collection 😍
 
Got the following wonderful cards in my family thanks to TF
SBI Cashback
HDFC DCB Metal
HDFC Millennia
HDFC Swiggy
HDFC Tata Neu Infinity
 
Card doctor said:
I had more than 20 now have 6 😅😅
Click to expand...
I was in the phase of expansion now it seems I will also move to a phase of consolidation..

But as most of the cards are already LTF and recently I moved to Rewards points card so will see when I will start consolidation..

But more or less expenditure is only on 3-4 regularly and others are just opportunity based utilization.
 
shashank08 said:
I was in the phase of expansion now it seems I will also move to a phase of consolidation..

But as most of the cards are already LTF and recently I moved to Rewards points card so will see when I will start consolidation..

But more or less expenditure is only on 3-4 regularly and others are just opportunity based utilization.
Click to expand...
same here, stopped getting new cards
 
My benefits of joining TF:

Initial years - when I didn't know anything about credit cards, this community helped me understand a lot of things about it.
Out of initial excitement, I got a lot of cards (10-12) and realized that there is no meaningful use of collecting all LTF cards unless I am going to be a card influencer or youtuber etc.

So once the excitement settled down, I started closing all unwanted cards, and consolidated my spends to only a few top cashback cards.
Then after a few years, this community again helped me understand reward points cards. So I explored that world and got some good points based cards.

Again I learnt about redemptions, hotel bookings and flight bookings from here and started redeeming points.
Still learning a lot about different things, some lesser known, some useful and hidden gems.

In short, realized that there are a lot of ways we can effectively use our cards, but there is no real need to try out everything. We can let go some of those tricks and still be peaceful.
 
Apply For LTF Axis Bank Credit Card
MJN said:
I have been followed of this community for last 5 years.

Below are the benefits I have got by following this wonderful community.

Hdfc tata neu infinity LTF
ICICI hpcl super saver rupay conversion+ LTF
ICICI Amazon LTF
SBI BPCL OCTANE Rupay Conversion+ LTF
Got RBL Xtra IOCL (Paid) 1st year fee waiver( Spent around 2 L vs 2.75 L)
Axis Flipkart LTF
Axis ( CITI) IOCL Premium LTF

Got Amex Platinum Travel 1st year Retention offer (1.5L in 90 days) - 4 L Milestone done. Now this card is for renewal. No retention offered now. Came to know about Marriott Bonvoy MR. Transferred 1L points. Ad published in RML.

Spent Criteria Done Cards:
Got the rare HSBC Live Plus ( Paid) - 2 year old card. Never got less than Rs 1000 cashback in any month since I got the card.

Got Axis Airtel Rupay Conversion (Paid) - Always getting that Rs 500 cashback (Airtel + Utility)


PENDING TO BE DONE.

HDFC Regalia LTF to DCB Metal or Infinia ( Not able to spend much - No upgrades offered in the last 4 years)

Need to get Axis Super Card Pro for UPI spent.

And I always used the tricks and got more benefits.
By the way my cibil is 796 / 15 yrs credit history/ Never missed the payment nor paid single rupee interest.
Click to expand...

Relatably true... I also got to know several things, about banks and credit cards, here from the community... People are helpful here...
 
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