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]

The first transaction is upi transaction?

No did txn in jiomart

 

[Rohith-2009]

No did txn in jiomart

I think they're not sending the voucher automatically.

My first transaction was upi so I think it'll be hard to get for me

 

[iamabhisekagar]

Can someone confirm that it's a LTF offer or not....

 

[deep@vie]

Can someone confirm that it's a LTF offer or not....

View attachment 41958

It's not clear here, chances are FYF. nor next step it should show the annual & joint fee clearly.

 

[iamabhisekagar]

It's not clear here, chances are FYF. nor next step it should show the annual & joint fee clearly.

Some other thread confirmed that it's FYF

 

[SSV]

Some other thread confirmed that it's FYF

It looks more like FYF...
otherwise they would put in bold letters LIFE TIME FREE or NO Annual Fee and NO Renewal Fee ever !! something like that ...

 

[iamabhisekagar]

So I used to have a PNB Platinum CC which I closed 6 months ago....Experian Never Reported this Card till last month.....got a fresh report today and PNB CC was reported as Active. What shall be my next steps?