Need Credit card Portfolio

[unisye]

Hi everyone,
Need assistance for good LTF CC apart from below.
I generally collect them as hobby so, if any other which you can suggest.

I have follow cc at moment:

1) SBI cashback for shopping.
2) Amex Smart for shopping.
3) Federal Celesta LTF for travel.
4) Hdfc Regalia LTF for travel.
5) Axis Airtel, Filpkart(LTF)& ACE for bills.
6) IDFC Wealth LTF for travel.
7) SC Smart & Easemytrip for travel and cashback.
8) ICICI Amazon,MMT& Coral all LTF for travel.
9) IndusInd Legend LTF for travel.
10) One card limit LTF for forex.
11) Kotak league LTF for offers.
12) HSBC platinum LTF for offers.
13) AU ACE limit LTF for cashback & offers.
14) Bob premier LTF for offers.
15) SBM Niyo for forex.

Please don't suggest any Airlines CC as not interested unless LTF.
Thanks 😄

 

[CARDiologist]

You can get HDFC tata neu infinity for UPI txns

 

[Vasuki]

Airtel ltf ? Yeh kb hua

 

[unisye]

You can get HDFC tata neu infinity for UPI txns

I can only have one hdfc card thou and HDFC bank don't allow multiple CC even if I tell them share limit.

 

[unisye]

Airtel ltf ? Yeh kb hua

No only Flipkart

 

[dexter_greycells]

Unless one has a lot of spare time on their hands, no sane human should have more than 5 CCs. If you can make do with 2-3 even better. I would say you need to trim your card portfolio first. Don't say "But they are all LTF". There have also been numerous cases of LTF cards being suddenly charged and then people fighting to get it reversed. You still need to go through the statements, track due dates and read and delete dozens of emails/SMSes that they will keep sending you. You need to miss or underpay your dues just once and you'll immediately regret having so many cards.

 

[unisye]

Unless one has a lot of spare time on their hands, no sane human should have more than 5 CCs. If you can make do with 2-3 even better. I would say you need to trim your card portfolio first. Don't say "But they are all LTF". There have also been numerous cases of LTF cards being suddenly charged and then people fighting to get it reversed. You still need to go through the statements, track due dates and read and delete dozens of emails/SMSes that they will keep sending you. You need to miss or underpay your dues just once and you'll immediately regret having so many cards.

Unless one has a lot of spare time on their hands, no sane human should have more than 5 CCs. If you can make do with 2-3 even better. I would say you need to trim your card portfolio first. Don't say "But they are all LTF". There have also been numerous cases of LTF cards being suddenly charged and then people fighting to get it reversed. You still need to go through the statements, track due dates and read and delete dozens of emails/SMSes that they will keep sending you. You need to miss or underpay your dues just once and you'll immediately regret having so many cards.

Thanks but I manage them fine as I have activated auto pay also I generally used them for offers only.
My main daily use CC are axis, icici and SC.

 

[biswa]

I can only have one hdfc card thou and HDFC bank don't allow multiple CC even if I tell them share limit.

HDFC do allow sharing policy as I have both Neu infinity and Millenia (my first CC).

Please try again, if possible.

 

[jatinbhatia2055]

Hi everyone,
Need assistance for good LTF CC apart from below.
I generally collect them as hobby so, if any other which you can suggest.

I have follow cc at moment:

1) SBI cashback for shopping.
2) Amex Smart for shopping.
3) Federal Celesta LTF for travel.
4) Hdfc Regalia LTF for travel.
5) Axis Airtel, Filpkart(LTF)& ACE for bills.
6) IDFC Wealth LTF for travel.
7) SC Smart & Easemytrip for travel and cashback.
8) ICICI Amazon,MMT& Coral all LTF for travel.
9) IndusInd Legend LTF for travel.
10) One card limit LTF for forex.
11) Kotak league LTF for offers.
12) HSBC platinum LTF for offers.
13) AU ACE limit LTF for cashback & offers.
14) Bob premier LTF for offers.
15) SBM Niyo for forex.

Please don't suggest any Airlines CC as not interested unless LTF.
Thanks 😄

How did you got Regalia for LTF.

Also as you are collecting them as hobby you can still take Tata Neu infinity card.
You don't need any other card as well.

 

[unisye]

How did you got Regalia for LTF.

Also as you are collecting them as hobby you can still take Tata Neu infinity card.
You don't need any other card as well.

I got regalia LTF in 2020 on my profile basis without any joining fee.
I tried for tata neu but no luck also I am not getting that for LTF.

 

[jatinbhatia2055]

I got regalia LTF in 2020 on my profile basis without any joining fee.
I tried for tata neu but no luck also I am not getting that for LTF.

Even paid Tata neu card is worth it. You just have to use Neu app or use the card for UPI transactions. The fees will get recovered very easily.

 

[MudraMantra]

Hello, I am new to TF community and I have the following credit cards.

• SBI Simply Save - paid
• HDFC Regalia First - LTF
• HDFC UPI virtual card - LTF
• Axis Flipkart - Paid
• Axis myZone - LTF
• AU XciteUltra - LTF
• IndusInd Legend - LTF
• IDFC First Select - LTF
• ICICI - Platinum/ Amazon/ Coral/ Rubyx(all 3 variant) - LTF
• SC Digismart - LTF
• Kotak League - LTF
• BOB Easy - LTF
• CITI Rewards - LTF after annual 30K spend
• HSBC platinum - LTF
• Federal Celesta - LTF

• HDFC Tata Neu Infinity - FYF - application in progress.

I know I had applied for some unnecessary cards and now I want to optimize.

Please suggest which cards to remove from the above list and add some new ones (if required).

 

[purushotham]

I can only have one hdfc card thou and HDFC bank don't allow multiple CC even if I tell them share limit.

I'm having 3 HDFC cards Tata Neu, IOCL & Swiggy

Only swiggy is paid, which I'll close it in few months

 

[unisye]

Hello, I am new to TF community and I have the following credit cards.

• SBI Simply Save - paid
• HDFC Regalia First - LTF
• HDFC UPI virtual card - LTF
• Axis Flipkart - Paid
• Axis myZone - LTF
• AU XciteUltra - LTF
• IndusInd Legend - LTF
• IDFC First Select - LTF
• ICICI - Platinum/ Amazon/ Coral/ Rubyx(all 3 variant) - LTF
• SC Digismart - LTF
• Kotak League - LTF
• BOB Easy - LTF
• CITI Rewards - LTF after annual 30K spend
• HSBC platinum - LTF
• Federal Celesta - LTF

• HDFC Tata Neu Infinity - FYF - application in progress.

I know I had applied for some unnecessary cards and now I want to optimize.

Please suggest which cards to remove from the above list and add some new ones (if required).

You can get Axis Ace card and save around 6 % monthly 5% by gpay and additional 1% from hdfc debit card total 6%.
Also Airtel credit Card gives 25%on Airtel bill and 10% and additional 1% via hdfc debit card on utility bill must have cards

 

[MudraMantra]

You can get Axis Ace card and save around 6 % monthly 5% by gpay and additional 1% from hdfc debit card total 6%.
Also Airtel credit Card gives 25%on Airtel bill and 10% and additional 1% via hdfc debit card on utility bill must have cards

I don't have HDFC bank account.