Tribute to Dormant Cards in Wallet

[metal_heart]

We all must have been through a phase, where we applied multiple CCs, just for sake of it or just because it was LTF.
However, those card never see light or get chance to be used (In hope, there may be some bank specific offer in future).

I'm guilty of such crime wherein got multiple LTF cards, and all are dormant (or have just been used once for customary transaction).

Sharing list of my crime

• IndusInd Legend
• One Card
• HSBC Platinum
• AXIS MyZone
• BOB Premier
• Yes First
• ICICI Rubyx & Sapphiro
• IDFC Wealth
• SBI BPCL
• RBL Shoprite

 

[RAMESH BABU N]

I do not keep any CC without using for not more than 1 or 2 months max. So, no attachment n no regret.

I think I surrendered 29 CCs so far - only 2 had NIL usage - in the last 30 years.

Currently, I have 9 cards. I/we use ALL of them. 2 CCs have Add-ons.

 

[Walter White]

My dead cards:

1) Axis Magnus

Lucky to not activate it as it got devalued after 15 days I received the card 😂

 

[sourpai]

My dormant cards for now:
1. FK Axis - 8-9 months left before renewal
2. Amazon Pay ICICI
3. ICICI Platinum
4. Yes First Exclusive

Rarely used cards:
1. IDFC Wealth
2. StanC Ultimate - 2 months left before renewal - Used for Advance Tax Payments only
3. ICICI Sapphiro
4. SBI Simplyclick - (recently downgraded from SBI Prime)
5. Axis Select - Only for BB and Swiggy offer

Edit: Will also add the cards that I use frequently
1. HDFC Infinia
2. Magnus Burgundy
3. Amex Platinum Travel
4. SBI Cashback
5. Amex MRCC

 

[cardio_guy]

Which are some must have LTF cards? (Any paid cards given LTF on C2C basis, pls tell that also.) My hunt for LTF cards are coming to an end. Couldn't get any good cards. Will give a cooling off time after this month if nothing works out. Last attempt is to get neu infinity LTF.

 

[helloworld]

Which are some must have LTF cards? (Any paid cards given LTF on C2C basis, pls tell that also.) My hunt for LTF cards are coming to an end. Couldn't get any good cards. Will give a cooling off time after this month if nothing works out. Last attempt is to get neu infinity LTF.

Proper useful LTF cards (according to me):

APay ICICI - For amzn and bill payments
IDFC - For RSA, Movie
AU XCite ACE - Good all rounders depends on spend category
HSBC Plat - though not recommended for high spends but can get >3%

Others all are either for 1 time in a year 10% up-to some limit offers - I didn't find any useful with them.

Note: Some of the above cards not even needed if one into premium category of credit cards, unnecessary addition.

 

[aayusharyan]

APay ICICI - For amzn and bill payments

Not just APay. If one can get hold of Sapphiro as LTF, it's good card. I recommend for free intl lounge access. Hehe

 

[cardio_guy]

Proper useful LTF cards (according to me):

APay ICICI - For amzn and bill payments
IDFC - For RSA, Movie
AU XCite ACE - Good all rounders depends on spend category
HSBC Plat - though not recommended for high spends but can get >3%

Others all are either for 1 time in a year 10% up-to some limit offers - I didn't find any useful with them.

Note: Some of the above cards not even needed if one into premium category of credit cards, unnecessary addition.

Thanks. My status as of now -
ICICI - Holding Amazon and Sapphiro (both LTF, limit 10L). These are the only 2 cards that I have now.

• IDFC - Tried 4 times (self and agent), Always, it shows only the WOW card. I gave up.
• Indusind - Straightaway rejected (Dont know why, tried through an agent as well as self), not looking further
• AU - Blocked with LIT card when I tried online. It will take 45 days to delete the pending application.
• HSBC & Amex - Not looking at currently.
• Axis - No LTF offers for me except NEO (which I don't want).

Future plans:

• HDFC - Take Tata Neu Infinity via C2C basis.
• SBI - Take Cashback paid and try to make it LTF after 6 months. (hope that works)
• ICICI - Ask for Emeralde LTF after some time; push through RM (hope that works)

My overall spends are only 2-3L per year.
Travel is very less, hotel stay is almost NIL.
So, luxury cards are not much needed/useful.

 

[anirban.choudhury]

Here goes my list

Kotak White Reserve
Icici Emeralde
Indusind Indulge
BOB Snapdeal
Axis kiwi
Stanc Manhattan
Idfc Wealth
IDFC Select
IDFC First Power
Kotak Myntra
Kotak League
Kotak IOCL
Icici Sapphiro
Icici Rubyx
Icici MMT Signature
HDFC Marriot
HDFC Rupay
Idbi Euphoria
Bank of Maharashtra Visa
Union Bank Rupay
Canara Bank Rupay
Amex Platinum Reserve
YFE
Icici Apay
Scapia

And a few more ...

Cards that are used

Amex Plat Travel
Axis Atlas
HDFC DCB Metal
Amex Plat charge
BoB Eterna
Amex Gold Charge
Sbi Aurum
Icici Emirates Emeralde
IDFC Vistara

 

[vaibhav111]

RBL World Safari - haven't used after i got the card via upgrade from shoprite LTF
Axis Myzone LTF - 120 off on swiggy was it really purpose now it dormat
BOB Select LTF - my friend used this card to buy something.. i don't use this though it will go offline after dec
ICICI Plantium LTF - applied only for ICICI card bank offer which aren't there yet. compare to other card i have
Onecard (Federal) LTF - haven't used in 3-5 months
Induslnd Legend LTF - applied cause i was bored
Kotak White LTF - applied cause it look cool in white
Axis Airtel FYF - applied cause it FYF and yet to received 500 amazon voucher
Kotak Virtual Rupay CC - to kill time.. i applied.. it will stay as it as virtual cc.

 

[aayusharyan]

Here goes my list

Kotak White Reserve
Icici Emeralde
Indusind Indulge
BOB Snapdeal
Axis kiwi
Stanc Manhattan
Idfc Wealth
IDFC Select
IDFC First Power
Kotak Myntra
Kotak League
Kotak IOCL
Icici Sapphiro
Icici Rubyx
Icici MMT Signature
HDFC Marriot
HDFC Rupay
Idbi Euphoria
Bank of Maharashtra Visa
Union Bank Rupay
Canara Bank Rupay
Amex Platinum Reserve
YFE
Icici Apay
Scapia

And a few more ...

Cards that are used

Amex Plat Travel
Axis Atlas
HDFC DCB Metal
Amex Plat charge
BoB Eterna
Amex Gold Charge
Sbi Aurum
Icici Emirates Emeralde
IDFC Vistara

You have both AmexPlatReserve and Amex Plat Travel. How is the Annual Fees managed in this situation, both have their separate fees or just need to pay the higher one, second card acts like supplementary?

 

[helloworld]

Thanks. My status as of now -
ICICI - Holding Amazon and Sapphiro (both LTF, limit 10L). These are the only 2 cards that I have now.

• IDFC - Tried 4 times (self and agent), Always, it shows only the WOW card. I gave up.
• Indusind - Straightaway rejected (Dont know why, tried through an agent as well as self), not looking further
• AU - Blocked with LIT card when I tried online. It will take 45 days to delete the pending application.
• HSBC & Amex - Not looking at currently.
• Axis - No LTF offers for me except NEO (which I don't want).

Future plans:

• HDFC - Take Tata Neu Infinity via C2C basis.
• SBI - Take Cashback paid and try to make it LTF after 6 months. (hope that works)
• ICICI - Ask for Emeralde LTF after some time; push through RM (hope that works)

My overall spends are only 2-3L per year.
Travel is very less, hotel stay is almost NIL.
So, luxury cards are not much needed/useful.

To be honest, for spends 2-3L // max 3 cards are sufficient. Infact, if you take for example HDFC Millennia, you'll get fee waiver and get apprx. 3-7% return and higher chances to upgrade premium cards in that bank due to consistent spend, on-time payment, effective credit utilization.

Or If you take Axis Ace/Airtel depends on where you want to spend, able to get >3% along with fee waiver and improve chances to premium cards when in future needed for them.

Not against the LTF cards, but when the usage is less its unnecessary headache and makes you spend more or confuse more to miss the payment.

Forgot about the LTF cards (which you can proceed if only thats you want, no objections) for a moment, just think where you spending this 2-3L per year and what are the best cards available for those categories..?

Take them if you can achieve fee waiver, I think most of them waived if spend 50k or 1L or 2L or upon requesting for reversal but more beneficial and help you build relationship with that bank for better future opportunities.

Just a note:

Since you're so much about LTF cards.. not sure your eligibility but some examples (so based on eligibilty it may vary)

- Axis Privilege = Pay 1800 and get 5000rs. worth of Myntra vouchers (better than LTF, IMO).
- HDFC = 1500 amzn voucher (so take any card within that fee) and also usually joining fee compensated.
- Axis Airtel / FK / Ace = Joining fee compensated.
- SBI = joining fee compensated

All gives you 1 year of time, when time arrives either deal with retention or devalution happened go with cancellation or if lucky, LTF.

I get that if LTF at the beginning its a relief but aiming for basic cards as LTF is not good IMO.

Either take Premium/Super Premium cards as LTF which usually needs NRV or ready to switch and/or improve relationship with basic cards (because now or later, you need one good card that can be obtained through relationship of these banks) with spends.

 

[cardio_guy]

To be honest, for spends 2-3L // max 3 cards are sufficient. Infact, if you take for example HDFC Millennia, you'll get fee waiver and get apprx. 3-7% return and higher chances to upgrade premium cards in that bank due to consistent spend, on-time payment, effective credit utilization.

Or If you take Axis Ace/Airtel depends on where you want to spend, able to get >3% along with fee waiver and improve chances to premium cards when in future needed for them.

Not against the LTF cards, but when the usage is less its unnecessary headache and makes you spend more or confuse more to miss the payment.

Forgot about the LTF cards (which you can proceed if only thats you want, no objections) for a moment, just think where you spending this 2-3L per year and what are the best cards available for those categories..?

Take them if you can achieve fee waiver, I think most of them waived if spend 50k or 1L or 2L or upon requesting for reversal but more beneficial and help you build relationship with that bank for better future opportunities.

Just a note:

Since you're so much about LTF cards.. not sure your eligibility but some examples (so based on eligibilty it may vary)

- Axis Privilege = Pay 1800 and get 5000rs. worth of Myntra vouchers (better than LTF, IMO).
- HDFC = 1500 amzn voucher (so take any card within that fee) and also usually joining fee compensated.
- Axis Airtel / FK / Ace = Joining fee compensated.
- SBI = joining fee compensated

All gives you 1 year of time, when time arrives either deal with retention or devalution happened go with cancellation or if lucky, LTF.

I get that if LTF at the beginning its a relief but aiming for basic cards as LTF is not good IMO.

Either take Premium/Super Premium cards as LTF which usually needs NRV or ready to switch and/or improve relationship with basic cards (because now or later, you need one good card that can be obtained through relationship of these banks) with spends.

Good notes. Thanks, I will look into these points as well. 👍