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My Portfolio Optimisation

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iamabhisekagar

iamabhisekagar

TF Legend
Hi,
So I have got following CC:
  1. Kotak 811 CC LTF 1.2L
  2. Kotak Rupay League LTF 1.2 L
  3. SBI Simplyclick Paid 32K
  4. SBI Cashback Paid 93K
  5. HDFC Business Moneyback LTF 48K
  6. HDFC Tata Neu Plus LTF 48K
  7. PNB Rupay Platinum Conditional LTF 50K
  8. Flipkart Axis Paid 69K
  9. Also going to apply for an IDFC First CC
Here is My Father CC Portfolio:
  1. Axis Neo CC LTF 2.65L
  2. Axis Myzone LTF 2.65L
  3. SBI Simplyclick Paid 3.4L
  4. Indusind Legend LTF 4.08L
  5. In process ICICI HPCL Supersaver Rupay CC
My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.
 
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iamabhisekagar said:
Hi,
So I have got following CC:
  1. Kotak 811 CC LTF 1.2L
  2. Kotak Rupay League LTF 1.2 L
  3. SBI Simplyclick Paid 32K
  4. SBI Cashback Paid 93K
  5. HDFC Business Moneyback LTF 48K
  6. HDFC Tata Neu Plus LTF 48K
  7. PNB Rupay Platinum Conditional LTF 50K
  8. Flipkart Axis Paid 69K
  9. Also going to apply for an IDFC First CC
Here is My Father CC Portfolio:
  1. Axis Neo CC LTF 2.65L
  2. Axis Myzone LTF 2.65L
  3. SBI Simplyclick Paid 3.4L
  4. Indusind Legend LTF 4.08L
  5. In process ICICI HPCL Supersaver Rupay CC
My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.
Click to expand...
How you got tata neu as LTF i am only getting it FYF. Any method you used?
 
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mudit.sharma said:
How you got tata neu as LTF i am only getting it FYF. Any method you used?
Click to expand...
That was for specific period offer for few people only. However most of the users have converted their paid Neucard to LTF just by mailing HDFC. You can do so as well quoting that other users have got it LTF.

Take FYF card. Use it for 1-2 months and then mail HDFC for LTF conversion. They'll do it.
 
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Chaitanya-a said:
That was for specific period offer for few people only. However most of the users have converted their paid Neucard to LTF just by mailing HDFC. You can do so as well quoting that other users have got it LTF.

Take FYF card. Use it for 1-2 months and then mail HDFC for LTF conversion. They'll do it.
Click to expand...
Not sure if they will do it because I dont have any prior relationship with HDFC
 
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iamabhisekagar said:
Hi,
So I have got following CC:
  1. Kotak 811 CC LTF 1.2L
  2. Kotak Rupay League LTF 1.2 L
  3. SBI Simplyclick Paid 32K
  4. SBI Cashback Paid 93K
  5. HDFC Business Moneyback LTF 48K
  6. HDFC Tata Neu Plus LTF 48K
  7. PNB Rupay Platinum Conditional LTF 50K
  8. Flipkart Axis Paid 69K
  9. Also going to apply for an IDFC First CC
Here is My Father CC Portfolio:
  1. Axis Neo CC LTF 2.65L
  2. Axis Myzone LTF 2.65L
  3. SBI Simplyclick Paid 3.4L
  4. Indusind Legend LTF 4.08L
  5. In process ICICI HPCL Supersaver Rupay CC
My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.
Click to expand...
ICICI HPCL Super Saver kaise apply kra tha? Online ? Was it shown LTF ?
 
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iamabhisekagar said:
Hi,
So I have got following CC:
  1. Kotak 811 CC LTF 1.2L
  2. Kotak Rupay League LTF 1.2 L
  3. SBI Simplyclick Paid 32K
  4. SBI Cashback Paid 93K
  5. HDFC Business Moneyback LTF 48K
  6. HDFC Tata Neu Plus LTF 48K
  7. PNB Rupay Platinum Conditional LTF 50K
  8. Flipkart Axis Paid 69K
  9. Also going to apply for an IDFC First CC
Here is My Father CC Portfolio:
  1. Axis Neo CC LTF 2.65L
  2. Axis Myzone LTF 2.65L
  3. SBI Simplyclick Paid 3.4L
  4. Indusind Legend LTF 4.08L
  5. In process ICICI HPCL Supersaver Rupay CC
My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.
Click to expand...
Nice (specially the fk card)
 
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iamabhisekagar said:
Hi,
So I have got following CC:
  1. Kotak 811 CC LTF 1.2L
  2. Kotak Rupay League LTF 1.2 L
  3. SBI Simplyclick Paid 32K
  4. SBI Cashback Paid 93K
  5. HDFC Business Moneyback LTF 48K
  6. HDFC Tata Neu Plus LTF 48K
  7. PNB Rupay Platinum Conditional LTF 50K
  8. Flipkart Axis Paid 69K
  9. Also going to apply for an IDFC First CC
Here is My Father CC Portfolio:
  1. Axis Neo CC LTF 2.65L
  2. Axis Myzone LTF 2.65L
  3. SBI Simplyclick Paid 3.4L
  4. Indusind Legend LTF 4.08L
  5. In process ICICI HPCL Supersaver Rupay CC
My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.
Click to expand...
calculate rewards earned vs hours spend on this complex portfolio= Per hour earning rate
 
Upvote 0 Downvote
iamabhisekagar said:
Hi,
So I have got following CC:
  1. Kotak 811 CC LTF 1.2L
  2. Kotak Rupay League LTF 1.2 L
  3. SBI Simplyclick Paid 32K
  4. SBI Cashback Paid 93K
  5. HDFC Business Moneyback LTF 48K
  6. HDFC Tata Neu Plus LTF 48K
  7. PNB Rupay Platinum Conditional LTF 50K
  8. Flipkart Axis Paid 69K
  9. Also going to apply for an IDFC First CC
Here is My Father CC Portfolio:
  1. Axis Neo CC LTF 2.65L
  2. Axis Myzone LTF 2.65L
  3. SBI Simplyclick Paid 3.4L
  4. Indusind Legend LTF 4.08L
  5. In process ICICI HPCL Supersaver Rupay CC
My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.
Click to expand...
To start with, based on your spending profile, you are in the lower end of annual spends and hence your strategy should aim at getting LTF or low paid CCs to cover your spending specturm..

To cover most of the online sales you would need mainly 4 cards: SBI, ICICI , HDFC and AXIS.
In SBI, you have CB and Simply Click -- thats enough.

HDFC , you have tata Neu - keep it and money back try to get Millinea

AXIS - Neo and Myzone ( your father's ) enough.

Coming to ICICI - this is where you are lacking... You should have APay - no questions about it- we can debate about this in a separate thread , if you want.
Another basic ICICI CC LTF for offers. This could be Coral, platinum or Coral( Rupay), not sure whether you cuold get these LTF or not, research..


  1. Kotak 811 CC LTF 1.2L --- optional
  2. Kotak Rupay League LTF 1.2 L--- you can have just one Kotak if you want, clsoing both also will not impact much, if you want less no of cards
  3. SBI Simplyclick Paid 32K 111 - you can close it, as your father has it
  4. SBI Cashback Paid 93K ---- Keep ot
  5. HDFC Business Moneyback LTF 48K -- upgrade to Millinea - no brainer here
  6. HDFC Tata Neu Plus LTF 48K -------Keep it
  7. PNB Rupay Platinum Conditional LTF 50K - Not sure why you would have this, my opinion dump it
  8. Flipkart Axis Paid 69K ----------- Has to be closed unless it is LTF.
  9. Also going to apply for an IDFC First CC -- you can try it,.
your fathers
  1. Axis Neo CC LTF 2.65L - Keep
  2. Axis Myzone LTF 2.65L - Keep
  3. SBI Simplyclick Paid 3.4L -Keep
  4. Indusind Legend LTF 4.08L -Keep, no harm as it is LTF
  5. In process ICICI HPCL Supersaver Rupay CC - Try
 
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