My Portfolio Optimisation

[iamabhisekagar]

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.

 

[iamabhisekagar]

Hey @deep@vie kindly help me to LIT up my Portfolio

 

[deep@vie]

Hey @deep@vie kindly help me to LIT up my Portfolio

What issue you're facing bro?

 

[iamabhisekagar]

What issue you're facing bro?

Pin code is not serviceable while applying online

 

[deep@vie]

Pin code is not serviceable while applying online

Please check DM

 

[niks]

The problem in "optimising" a portfolio is that as we are seeing, nothing is permanent because of devaluations. For example, I sometimes think of closing my Paid Axis Flipkart since I have SBI Cashback. But tomorrow, if SBI devalues Cashback further, then I may regret

 

[iamabhisekagar]

The problem in "optimising" a portfolio is that as we are seeing, nothing is permanent because of devaluations. For example, I sometimes think of closing my Paid Axis Flipkart since I have SBI Cashback. But tomorrow, if SBI devalues Cashback further, then I may regret

 

[Abhishek012]

Mil gaya h samjho...agent daily phone krti h VKYC ke liye 🤣

You are late.​

ICICI bank launch HPCL SuperSaver RuPay Credit Card:​

@pprakash11

 

[iamabhisekagar]

You are late.​

ICICI bank launch HPCL SuperSaver RuPay Credit Card:​

View attachment 23672
View attachment 23673

@pprakash11

 

[4uziaul]

You are late.​

ICICI bank launch HPCL SuperSaver RuPay Credit Card:​

View attachment 23672
View attachment 23673

@pprakash11

Koi faida hai isko lene main 😂 scheme batao 😄

 

[Abhishek012]

Koi faida hai isko lene main 😂 scheme batao 😄

UPI me bhi use hoga.

 

[Shrinit Padwal]

Koi faida hai isko lene main 😂 scheme batao 😄

LTF milna chahiye bas - faida hi faida

 

[pprakash11]

Koi faida hai isko lene main 😂 scheme batao 😄

HP Pumps ke liye best card hai if used along with HP Pay 😉

 

[4uziaul]

HP Pumps ke liye best card hai if used along with HP Pay 😉

Yeh wink se samjh Gaya kuch aur bhi hai 😂

 

[niks]

The problem in "optimising" a portfolio is that as we are seeing, nothing is permanent because of devaluations. For example, I sometimes think of closing my Paid Axis Flipkart since I have SBI Cashback. But tomorrow, if SBI devalues Cashback further, then I may regret

Looks like I jinxed SBI cards for many including myself 😂

 

[iamabhisekagar]

Is there any reward redemption charges on Simplyclick CC?

 

[VISHESH_BANSAL]

Is there any reward redemption charges on Simplyclick CC?

No

 

[iamabhisekagar]

Do payments via Cred for Indusind Bank Settle immediately or does it takes 1-2 days of time?

 

[VISHESH_BANSAL]

Do payments via Cred for Indusind Bank Settle immediately or does it takes 1-2 days of time?

Pay via Mobi.

Confirmation from Bank received instantly.
I paid for Indus Visa CC.

 

[iamabhisekagar]

No

You Sure?

 

[pprakash11]

You Sure?
View attachment 27403

Bhai nahi lagega charges bindaas redeem Karo