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jatinkrmalik

jatinkrmalik

TF Select
VIP Lounge
Update: Here's my updated cc portfolio ‼️


We can't really have a forum without allowing members to share their credit card portfolios and talk about their favourite credit card. 😎

---

I will go first, here's my collection, from least used to most used.

Slice Pay card
Amazon Pay ICICI bank card
Citi Cashback card
IDFC First Select card
AMEX Membership Rewards card
HDFC Diners Club Black card
Onecard Metal card
Axis Magnus card

cards.jpeg
 
Last edited:
Apply For LTF IndusInd Bajaj Tiger Credit Card
rahulj87 said:
My portfolio:

HDFC Moneyback plus credit card
HDFC UPI credit card
HDFC Swiggy credit card
HDFC Tata Neu Infinity credit card
Flipkart Axis Bank credit card
Axis Neo credit card
Amazon pay ICICI credit card
Kiwi Yes Bank credit card
Federal Bank Imperio credit card

Closed cards :
Sbi Simply Save credit card

All credit card are Life time free. More than 5 years credit history.
Click to expand...
Two more cards added to my portfolio,

SBI Cashback card
Axis Supermoney Pro card
 
My cards
1. ICICI Sapphiro dual cards
2. ICICI Rubyx Rupay
3. ICICI Amazon
4. HDFC Regalia Gold
5. Tata Neu Infinity
6. HDFC Swiggy
7. RBL World Safari
8. Amex MRCC
9. SBI cashback
10. BoB Onecard
11. Axis Airtel
12. AU Vetta
13. IDFC First Select
14. HSBC Platinum
15. HSBC Live+

HSBC Live, MRCC, Airtel and SBI cashback are chargeable. World Safari is FYF, trying to make it LTF but will close if that fails, and continue using OneCard as as a zero forex markup card instead.

Really regret getting AU Vetta, could have gotten Ixigo or the LTF Zenith instead but can't now. And I can't even close Vetta.

Planning to close Yes Marquee after devaluation as well as a few other cards(IndusInd Platinum, SC EazyTrip). Should get Axis Supermoney soon, trying to get Niyo Gold, but that seems difficult.
 
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1. Axis Airtel (PAID) 750k limit - I primarily use it for bigbasket, Airtel and Utility bills, have a total of two cards in my family which covers most of the Utility expenses
2. HDFC REGALIA GOLD (Paid): recently got it as a fyf card to climb the ladder to infinia, limit is only 100k
3. SBI Prime Paid : I mostly used it for offline transactions and upi on rupay for the 50k quarterly milestone
4. Sbi cashback (Paid) : goto card for online spends
5. Indusind EazyDiner signature (Paid) : for free movies and dinein discounts
6. ICICI Rubyx, coral, amazon pay - ALL Ltf, hardly used

Out of all these cards, I most probably wouldn't be getting annual free reversals on the indusind card and axis card, but I get much more value when compared to the fee that I pay for these.

SBI cashback fees reversal criteria is easy for me

SBI prime and regalia, I would have to choose one for the spends and ask the other's customer support for fee reversal

Is there any other card that is recommended? I will have to pay the college fees of 300k in August this year.

Also planning to get hsbc live+ for offline grocery and any idfc card for MCC lookup
 
2025 updated list
1.Axis airtel visa (paid)
2.Axis airtel rupay (paid)
3.Icici coral rupay (ltf)
4.Icic amazon(ltf)
5.Hdfc infinia (paid)
6.Hdfc swiggy(ltf)
7.Hsbc live(paid)
8.Sbi cb (paid)
9.Idfc wealth
10.hdfc tata neu plus(ltf)

11.Amex corporate green
 
GTSaketh said:
I am beginner so:

Currently using:
Axis Flipkart (My first unsecured card)
Axis Neo (LTF)
Axis Airtel
Onecard

Closed:
Kotak 811 #Dreamdifferent FD card(My first card)
Click to expand...
Update Now:
HDFC Millennia (Mastercard) - LTF
Amazon Pay ICICI (Visa) - LTF
ICICI Coral (Rupay) - LTF
Onecard by BOB (Visa) - LTF
Axis Myzone (Visa) - LTF
Axis Neo (Rupay) - LTF
Axis Airtel (Mastercard) - Paid

Closed:
Kotak 811 #Dreamdifferent FD card(My first card)
Axis Flipkart
 
iamdhamo said:
2025 updated list
1.Axis airtel visa (paid)
2.Axis airtel rupay (paid)
3.Icici coral rupay (ltf)
4.Icic amazon(ltf)
5.Hdfc infinia (paid)
6.Hdfc swiggy(ltf)
7.Hsbc live(paid)
8.Sbi cb (paid)
9.Idfc wealth
10.hdfc tata neu plus(ltf)

11.Amex corporate green
Click to expand...
What is the reward rate on icici coral rupay on upi payments?
 
jatinkrmalik said:
Update: Here's my updated cc portfolio ‼️


We can't really have a forum without allowing members to share their credit card portfolios and talk about their favourite credit card. 😎

---

I will go first, here's my collection, from least used to most used.

Slice Pay card
Amazon Pay ICICI bank card
Citi Cashback card
IDFC First Select card
AMEX Membership Rewards card
HDFC Diners Club Black card
Onecard Metal card
Axis Magnus card

View attachment 22
Click to expand...
1.American Express Membership Rewards Credit Card (Waive off) no use - simply waste
2. Axis cashback card (Waive off) monthly 2.5k return
3. Axis flipkart card (Waive off) monthly 2k return
4. Axis indian oil card LTF no use - simply waste
5. Amazon pay ICICI card LTF monthly 1k return
6. BOB snapdeal card LTF best card 2.5% return ( low limit)
7. BOB HPCL card (Waive off) no use - simply waste
8. Federal bank celestia card LTF many offers - no return
9. Federal Bank rupay card LTF
10. Hsbc visa Platinum card LTF no use - simply waste
11. IDFC select card LTF no use - simply waste
12. IDFC HPCL card (Waive off) no use - simply waste ( i want to close)
13. ICICI makemy tripcards ( one time fee) many offers - no return
14. ICICI coreal card LTF no use - simply waste
15. Indusind aura card LTF no use - simply waste
16. Indusind rupay card LTF no use - simply waste
17. Yesbank Finbooster card LTF ajio gold coin offer once per month - simply waste
18. Yes bank rupay card LTF ajio gold coin offer once per month - simply waste
19. CSB jupiter card plus (Paid) most active card ( very good reward - my favourite card) monthly 1 k return
20. Kotak PVR platinum card (Paid) no use - simply waste 2 ticket free
21. Kotak rupay card LTF no use - simply waste
22. Kotak Zen card (Waive off) Many use 2.25% return
23. Kotak Myntra card LTF
24. Hdfc milliniea card (Waive off) no use - simply waste looks like return but no use
25. Hdfc indian oil card LTF no use - simply waste
26. Hdfc payzapp card LTF no use - simply waste monthly 300 rupees return
27. hdfc moneyback++ card LTF no use - simply waste 2k per year
28. Hdfc tata nue infinity card LTF best upi return applicable on EMI rewarsds
29. Onecard SIB LTF no use - simply waste 5x valuable they will tell but you wont get
30. RBL indian oil Xtra card (Waive off) 7.5% return oill fuel filling at indian oil must try
31. RBL Duet card LTF i hold 1% cashback- no use i will close
32. SBI cashback card (Waive off) (joining fee) best card for online merchant purchase
33. SBI simplyclick (joining fee)(Waive off) no use - simply waste
34. SBI simplysave (joining fee)(Waive off) no use - simply waste
35.SBI BPCL card (joining fee)(Waive off) no use - simply waste
36. utkarsh super money card ( Deposit card) best for upi and zepto order, swiggy order - simply waste monthly 300 save
37. ZET SBM card ( Deposit card) best for zepto order, swiggy order - simply waste monthly 300 save
if anything i missed out i will let you know.
if any suggestion please revert back

Having multiple cards are advantage and disadvantage also. keep watching your emails . lots of coupons you will get . have spending power . you can save 10k per month

bro my salary is now under 50k only. there are many cards i closed should I mention?

suggest me to close some cards? i would be better to get higher end cards. let me put ur suggestion. so every time we grow together to save money
 
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nandhakumarn said:
1.American Express Membership Rewards Credit Card
2. Axis cashback card
3. Axis flipkart card
4. Axis indian oil card
5. Amazon pay ICICI card
6. BOB snapdeal card
7. BOB HPCL card
8. Federal bank celestia card
9. Federal Bank rupay card
10. Hsbc visa Platinum card
11. IDFC select card
12. IDFC HPCL card
13. ICICI makemy tripcards
14. ICICI coreal card
15. Indusind aura card
16. Indusind rupay card
17. Yesbank Finbooster card
18. Yes bank rupay card
19. CSB jupiter card
20. Kotak PVR card
21. Kotak rupay card
22. Kotak Zen card
23. Kotak Myntra card
24. Hdfc milliniea card
25. Hdfc indian oil card
26. Hdfc payzapp card
27. hdfc moneyback++ card
28. Hdfc tata nue infinity card
29. Onecard SIB
30. RBL indian oil Xtra card
31. RBL Duet card
32. SBI cashback card
33. SBI simplyclick
34. SBI simplysave
35.SBI BPCL card
36. utkarsh super money card
37. ZET SBM card
if anything i missed out i will let you know.
if any suggestion please revert back

bro my salary is now under 50k only. there are many cards i closed should I mention?
Click to expand...
Yes..
Active Card
Closed Card
 
nandhakumarn said:
1.American Express Membership Rewards Credit Card
2. Axis cashback card
3. Axis flipkart card
4. Axis indian oil card
5. Amazon pay ICICI card
6. BOB snapdeal card
7. BOB HPCL card
8. Federal bank celestia card
9. Federal Bank rupay card
10. Hsbc visa Platinum card
11. IDFC select card
12. IDFC HPCL card
13. ICICI makemy tripcards
14. ICICI coreal card
15. Indusind aura card
16. Indusind rupay card
17. Yesbank Finbooster card
18. Yes bank rupay card
19. CSB jupiter card
20. Kotak PVR card
21. Kotak rupay card
22. Kotak Zen card
23. Kotak Myntra card
24. Hdfc milliniea card
25. Hdfc indian oil card
26. Hdfc payzapp card
27. hdfc moneyback++ card
28. Hdfc tata nue infinity card
29. Onecard SIB
30. RBL indian oil Xtra card
31. RBL Duet card
32. SBI cashback card
33. SBI simplyclick
34. SBI simplysave
35.SBI BPCL card
36. utkarsh super money card
37. ZET SBM card
if anything i missed out i will let you know.
if any suggestion please revert back

bro my salary is now under 50k only. there are many cards i closed should I mention?
Click to expand...
Paid/LTF cards, how many you use.?
 
Apply For LTF Scepia Credit Card
nandhakumarn said:
1.American Express Membership Rewards Credit Card
2. Axis cashback card
3. Axis flipkart card
4. Axis indian oil card
5. Amazon pay ICICI card
6. BOB snapdeal card
7. BOB HPCL card
8. Federal bank celestia card
9. Federal Bank rupay card
10. Hsbc visa Platinum card
11. IDFC select card
12. IDFC HPCL card
13. ICICI makemy tripcards
14. ICICI coreal card
15. Indusind aura card
16. Indusind rupay card
17. Yesbank Finbooster card
18. Yes bank rupay card
19. CSB jupiter card
20. Kotak PVR card
21. Kotak rupay card
22. Kotak Zen card
23. Kotak Myntra card
24. Hdfc milliniea card
25. Hdfc indian oil card
26. Hdfc payzapp card
27. hdfc moneyback++ card
28. Hdfc tata nue infinity card
29. Onecard SIB
30. RBL indian oil Xtra card
31. RBL Duet card
32. SBI cashback card
33. SBI simplyclick
34. SBI simplysave
35.SBI BPCL card
36. utkarsh super money card
37. ZET SBM card
if anything i missed out i will let you know.
if any suggestion please revert back

bro my salary is now under 50k only. there are many cards i closed should I mention?
Click to expand...
4 sbi cards?
Moneyback and millenia?
4 kotak cards?

Do you even have a use for these cards?
Or trying to get a guiness world record? 😅
 
nandhakumarn said:
1.American Express Membership Rewards Credit Card
2. Axis cashback card
3. Axis flipkart card
4. Axis indian oil card
5. Amazon pay ICICI card
6. BOB snapdeal card
7. BOB HPCL card
8. Federal bank celestia card
9. Federal Bank rupay card
10. Hsbc visa Platinum card
11. IDFC select card
12. IDFC HPCL card
13. ICICI makemy tripcards
14. ICICI coreal card
15. Indusind aura card
16. Indusind rupay card
17. Yesbank Finbooster card
18. Yes bank rupay card
19. CSB jupiter card
20. Kotak PVR card
21. Kotak rupay card
22. Kotak Zen card
23. Kotak Myntra card
24. Hdfc milliniea card
25. Hdfc indian oil card
26. Hdfc payzapp card
27. hdfc moneyback++ card
28. Hdfc tata nue infinity card
29. Onecard SIB
30. RBL indian oil Xtra card
31. RBL Duet card
32. SBI cashback card
33. SBI simplyclick
34. SBI simplysave
35.SBI BPCL card
36. utkarsh super money card
37. ZET SBM card
if anything i missed out i will let you know.
if any suggestion please revert back

bro my salary is now under 50k only. there are many cards i closed should I mention?
Click to expand...
How you got 4SBI card? What is limit of each sbi card can you share? I have 3 Aurum, TATA & Cash back. I want Krsihflier but not getting.
 
the_collector said:
4 sbi cards?
Moneyback and millenia?
4 kotak cards?

Do you even have a use for these cards?
Or trying to get a guiness world record? 😅
Click to expand...
NOT LIKE THAT I WONT USE LTF cards. i want to use the cards with max benefits. kotak zen card with most benefits, sbi cashback card, axis cashback and flipkart card with most benefits
 
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