Hi all. I'll keep this post short and crisp.
I have the below cards with most of them LTF
Apay ICICI card(4,60,000, LTF)
ICICI Sapphiro(4,60,000, LTF)-------Amex, MC, Visa variants all of them LTF
ICICI Emerald(4,60,000, first year free)---> thinking to close after a year in Jan 2025
ICICI Coral Rupay(4,60,000, LTF)
Axis FLIPKART, SELECT, MYZONE(80,000 limit, All LTF)
Americna Express Smart Earn(2,97,000)
HDFC Millenia, Tata Neu Plus, Swiggy(1,10,000, All LTF)
IndusInd Pinnacle(5,00,000, LTF)
Kotak WHITE, ZEN cards(1,50,000 and both LTF)
Onecard South Indian Bank(2,10,000 both LTF)
RBL world Safari(only 50,000, First year Free, so, will close after a year anyways because of low credit limit, f**k RBL for giving low credit limit, this card was the latest one to reach me.)
SBI simply click(1,59,000, LTF)
YES RESERV, Yes RUPAY virtual card(3,00,000, both LTF)
Stand chartered(3,94,200, LTF)
Scapia(4,83,000, LTF)
A total of 23 active cards(including 1 virtual only rupay card). Used to be around 33 active cards, but closed a few of them the reason being paid cards.
Need to optimise my portfolio and if there are any suggestions for new cards, you're welcome.
I wanted to make certain changes in my portfolio(thinking to close some of them and open new ones like the ones from AU BANK, BOBcards)
My spends span across categories, like approximately 1L for flights, 3-4L in foreign spends, 2L groceries and shopping.
Thanks for your time
I have the below cards with most of them LTF
Apay ICICI card(4,60,000, LTF)
ICICI Sapphiro(4,60,000, LTF)-------Amex, MC, Visa variants all of them LTF
ICICI Emerald(4,60,000, first year free)---> thinking to close after a year in Jan 2025
ICICI Coral Rupay(4,60,000, LTF)
Axis FLIPKART, SELECT, MYZONE(80,000 limit, All LTF)
Americna Express Smart Earn(2,97,000)
HDFC Millenia, Tata Neu Plus, Swiggy(1,10,000, All LTF)
IndusInd Pinnacle(5,00,000, LTF)
Kotak WHITE, ZEN cards(1,50,000 and both LTF)
Onecard South Indian Bank(2,10,000 both LTF)
RBL world Safari(only 50,000, First year Free, so, will close after a year anyways because of low credit limit, f**k RBL for giving low credit limit, this card was the latest one to reach me.)
SBI simply click(1,59,000, LTF)
YES RESERV, Yes RUPAY virtual card(3,00,000, both LTF)
Stand chartered(3,94,200, LTF)
Scapia(4,83,000, LTF)
A total of 23 active cards(including 1 virtual only rupay card). Used to be around 33 active cards, but closed a few of them the reason being paid cards.
Need to optimise my portfolio and if there are any suggestions for new cards, you're welcome.
I wanted to make certain changes in my portfolio(thinking to close some of them and open new ones like the ones from AU BANK, BOBcards)
My spends span across categories, like approximately 1L for flights, 3-4L in foreign spends, 2L groceries and shopping.
Thanks for your time
