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Personal Credit Card Portfolio: Yearly Review of Rewards Earned and Redeemed 2024

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Amazing

My current cards
1. Axis magnus burgundy
2. Hdfc infinia
3. Hdfc biz black ( got recently)
4. Sbi BPCL octane
5. Amex plan travel
6. Amex plat charge ( got upgrade offer 1.35 L points )

Will keep top 5 and let go of 6th card in April .
 
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CardTroller said:
I think you might be going through some kind of depression. I’ve seen some of your comments, and I truly feel that way. @bhavik886151 already mentioned that someone with such financial management skills and businesses can achieve this, and yet you’re asking @bhavik886151 to earn... lol
Click to expand...
Yes indeed - you are the biggest depression on this community as you do not the difference between earn and learn.

Also, calling manufactured spends financial management and taking time to read all my comments shows how useless you are on this planet.

Go - get some family time and use it for a worthy cause.
 
V360 said:
Yes indeed - you are the biggest depression on this community as you do not the difference between earn and learn.

Also, calling manufactured spends financial management and taking time to read all my comments shows how useless you are on this planet.

Go - get some family time and use it for a worthy cause.
Click to expand...
Do you even know the OP? Do you know anything about his businesses? Calling someone out and claiming they rely solely on manufactured spending without knowing them is the height of ignorance. But yes, I get it—when you can’t earn enough rewards and see someone else doing well, jealousy kicks in. It’s common, I understand.

It seems like the TF team removed you from their moderator team, and now this jealousy is showing. Haha, a comment like this was bound to come from you. Good decision by TF to remove you as a mod. No community would want moderators making comments like this.
And having been a credit card user for the past 20 years, I can confidently say that earning this much reward solely through manufactured spending is impossible.
 
CardTroller said:
Do you even know the OP? Do you know anything about his businesses? Calling someone out and claiming they rely solely on manufactured spending without knowing them is the height of ignorance. But yes, I get it—when you can’t earn enough rewards and see someone else doing well, jealousy kicks in. It’s common, I understand.

It seems like the TF team removed you from their moderator team, and now this jealousy is showing. Haha, a comment like this was bound to come from you. Good decision by TF to remove you as a mod. No community would want moderators making comments like this.
And having been a credit card user for the past 20 years, I can confidently say that earning this much reward solely through manufactured spending is impossible.
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Awwwwww- u r sounding like a chamchaaa- change your name from Card Troller to Chamchaaaaaaaaaaaa.

And how do you know they removed me as Moderator - didnt you see my comment as you are following me so much depressed insaan?

I chose myself to exit as I dont take orders from anyone - and for free, I wont even give 2 productive seconds to anyone.
 
I don't understand reason of argument here.

@TechnoFino shared his portfolio & disclosed details which he's comfortable sharing with everyone, not all details can be shared.

If there is any law break by anyone, let respective agency do their homework. I am sure law & financial agencies keep monitoring such irregularities, if there is any.

If someone is earning legally & earning rewards, it should motivate others.

We are nobody to judge. We can give opinion but can't question anyone's earning or profession as everyone is not comfortable sharing all details & they shouldn't also.

If we start judging financial journey of others without full knowledge, why anyone will be comfortable to share in forum in future ?

There is thin line between giving opinion and passing judgment. Let's remember this. We all are here to gain knowledge about financial world by learning from experience of others, good or bad.
 
V360 said:
Awwwwww- u r sounding like a chamchaaa- change your name from Card Troller to Chamchaaaaaaaaaaaa.

And how do you know they removed me as Moderator - didnt you see my comment as you are following me so much depressed insaan?

I chose myself to exit as I dont take orders from anyone - and for free, I wont even give 2 productive seconds to anyone.
Click to expand...
Hahaha!

Check out my Twitter, my buddies and I often take digs at almost everyone. But yeah, we never blame anyone without solid proof.

Also, everyone knows you were a mod—you even posted about it when @Subhankar mentioned they were looking for new mods.
But I have one question: did they promise you any monetary benefits when they onboarded you as a mod? Don’t you know it was a voluntary role?

Show us proof that they pressured you into doing something or promised you monetary benefits. Otherwise, maybe call yourself a hypocrite for joining their mod team in the first place.
 
V360 said:
Awwwwww- u r sounding like a chamchaaa- change your name from Card Troller to Chamchaaaaaaaaaaaa.

And how do you know they removed me as Moderator - didnt you see my comment as you are following me so much depressed insaan?
Click to expand...
You seriously need a break man.

V360 said:
I chose myself to exit as I dont take orders from anyone - and for free, I wont even give 2 productive seconds to anyone.
Click to expand...
Now I realised, why you are taking things personally.

When u call someone chamcha, useless etc etc then that is fine. But when someone asks u what's your problem? Why you being so judgmental then it triggers your ego. Why such a hypocrisy man!

V360 said:
Yes indeed - you are the biggest depression on this community as you do not the difference between earn and learn.
Click to expand...
I really don't know what's the issue between you and TechnoFino, but I can see your frustrations.

Take rest man. You seriously need it.
 
moneyMaker said:
Should I trust Yes bank with 5 Cr?
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Yes if you want to cry blood tears. It's a fraud bank. They have no grievance system. If you have a good friend or relation with anyone in yes bank with branch manager or high level executive than no problem otherwise they'll freeze your account as soon as you fund it with sizable abount and than ignore you. Than run after RBI for help or close account
 
drabhishekladdha said:
Amazing

My current cards
1. Axis magnus burgundy
2. Hdfc infinia
3. Hdfc biz black ( got recently)
4. Sbi BPCL octane
5. Amex plan travel
6. Amex plat charge ( got upgrade offer 1.35 L points )

Will keep top 5 and let go of 6th card in April .
Click to expand...
How did you get the Biz Black with Infinia. I have DCB METAL (not upgrading to Infinia because of its milestones benefits), thinking of getting BIZ BLACK (business and ITR needs) too. Since both of these are CORE cards, is it possible to have both? Share your experience.
 
ashwinikumar900 said:
How did you get the Biz Black with Infinia. I have DCB METAL (not upgrading to Infinia because of its milestones benefits), thinking of getting BIZ BLACK (business and ITR needs) too. Since both of these are CORE cards, is it possible to have both? Share your experience.
Click to expand...
You can , just read about Floter credit card on forum
You will get info about it
 
Below is what we earned in 2024

Amex (4 cards combined): 1.51M MR (including referrals + Plat Charge 10x/20x)


HDFC DCB: 113k points.


Axis Atlas: 72k Edge Miles.


Axis Magnus: 117k Edge Rewards.


IndusInd Avios: 80k Avios.


ICICI Emirates: 46k Skywards Miles.


HSBC Premiere - 12k points
Sbi Etihad - 7500

Wife's:


Amex (3 cards): 263k MR.


Axis Atlas: 50k Edge Miles.


MB: 75k ER


HDFC Infinia: 60k points

Needless to say spends were high
 
I have earned 56000 Edgemiles on ATlas in 2024. But, I dont know how to utilize them. No International trip even in 2025.
 
TechnoFino said:
Hey TFCians,

As we bid farewell to 2024 and gear up for a fantastic 2025, let's take a moment to reflect on the year gone by. Here's a recap of my personal credit card portfolio, reward earnings, and redemptions from this incredible year.

My Credit Card Portfolio (as of 31st December 2024, 9:35 PM)​

I currently hold 61 primary credit cards (no add-ons).

Most Used Credit Cards in 2024​

  • Yes Private
  • HDFC Infinia
  • Kotak Indigo 6E XL
  • ICICI Emeralde Private Metal
  • Amex Business Marriott
  • Amex Platinum (CS)

Rewards Earned in 2024​

Redemptions in 2024​

  1. Malaysia Trip (February 2024):
    • Flew Singapore Airlines Business Class
    • Stayed at Marriott Hotels
    • Fully funded by points and miles
  2. Bali, Indonesia Trip (April 2024):
    • Flew Thai Airways Business Class
    • Stayed at Marriott Hotels
    • Fully funded by points and miles
  3. Japan Trip (June 2024):
    • Flew ANA Business Class
    • Stayed at Marriott Hotels
    • Fully funded by points and miles
  4. Almaty, Kazakhstan Trip (September 2024):
    • Flew Indigo Airlines
    • Stayed at Marriott Hotels
    • Fully funded by points and miles
  5. Mathura & Vrindavan Family Trip:
    • Flew Vistara Premium Economy using CV Points
    • Stayed at a resort using Yes Private Points

Upcoming Trips (2025 - Flights Already Booked)​

  1. Taiwan:
    • Thai Airways, EVA Airways & Singapore Airlines (Business Class)
    • Marriott Hotels booked using points and airmiles
  2. South Africa:
    • Ethiopian Airways (Business Class)
    • Marriott Hotels booked using points and airmiles
  3. China:
    • Singapore Airlines (Business Class)
    • Marriott Hotels booked using points and airmiles

Current Points & Miles Balances​

2024 has been a stellar year, both for reward earnings and redemptions. Here's wishing all of you an equally rewarding 2025. May the Points Gods bless your accounts with tons of airmiles and rewards!

Wishing you and your family a very Happy New Year!
Cheers 🥂

Now, it's your turn—share your 2024 credit card journey and inspire others!
Click to expand...
is it possible for you to gave breakup of amex card usage like
which are Amex card you used to get these much MR points also what is the limits of that cards and how much you use those card in terms of lakhs or percentage
 
bhavik886151 said:
is it possible for you to gave breakup of amex card usage like
which are Amex card you used to get these much MR points also what is the limits of that cards and how much you use those card in terms of lakhs or percentage
Click to expand...
I'm pretty sure he will not share such in-depth details with you publicly. 😈😈😈
 
For anyone reading this, DO NOT make the mistake of thinking "I'll harass banks to give me these same cards and then even I can amass points like Sumantha and do FREE FREE FREE foreign trips."
It is just like how simply getting an MRF cricket bat cannot make you bat like Tendulkar or Kohli!
 
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