💳 Share & brag your cards portfolio here! 🤑

[jatinkrmalik]

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

 

[Subhankar]

It's better late than never. So here's mine:
1. Axis Reserve
2. SBI Aurum
3. SCB Ultimate
4. BOB Eterna
5. HDFC Regalia
6. Citi Premiermiles
7. Axis Select
8. SCB Smart Earn
9. SCB SV Titanium (missing in the frame)
10. SBI Elite
11. One Card
12. SBI Elite
13. IndusInd Aura Edge

Next will be
AU Zenith, ICICI Emeralde, Citi Prestige

After ban lifts from MC & AMEX:
AMEX Plat Charge/Amex MRCC (depends on travel restriction due to COVID)
IndusInd Pioneer Heritage Metal/ Indulge

 

[Subhankar]

Even I'm waiting for Amex and mastercard variant cards after the bans are lifted.

Are all LTF? What are the limits?

Certainly lot all are LTF, many are FYF, some are chargeable. On a quest to make max out of them LTF. Few by spending, few by banking relationship

 

[ankur2wadhwa]

Let me share my latest portfolio.

🙌

Hi Bro , How can we get USA Credit Cards , also You mentioned 2 Signature Legend Credit Cards from Indusind , how to get those , are those addons

 

[ankur2wadhwa]

Let me share my latest portfolio.

🙌

Why You took Such a High Fees Card Axis Reserve , how we can reap the most benefits out of this card

 

[ankur2wadhwa]

IN
AMEX Platinum Charge
AMEX Platinum Travel
AMEX MRCC
AMEX Gold Charge
CITI Prestige
CITI Premier Miles
CITI Rewards
HDFC Infinia
AXIS Vistara Infinite
AXIS Privilege
AXIS Magnus
SBI Etihad Premier
SCB Ultimate
SCB Digismart
IDFC Select
OneCard
Kotak Royale
Indusind Pinnacle
SBI SimplyClick
RBL Platinum Supercard

US
AMEX Hilton Surpass
AMEX Marriott Business variant
AMEX Blue Business Cash
AMEX Blue Cash Everyday
AMEX Delta Skymiles Gold
CITI AA Platinum Select Non-business variant
CITI Costco
BOA Alaska Personal Non-business variant
Chase Sapphire Preferred
Chase Freedom Flex
Chase Rewards Amazon
Apple Card
HSBC Cash Rewards
US Bank Cash+
US Bank Altitude Go
Capital One Quicksilver
Amazon Synchrony
Paypal Mastercard
FNBO Platinum Edition Visa
Wells Fargo Platinum
Wells Fargo AMEX
Wells Fargo Active Cash
Discover IT cash
Petal Visa

CA
AMEX Aeroplan Reserve non-business variant
AMEX Cobalt
AMEX Marriott non-business variant
TD Aeroplan Visa Infinite
CIBC Aeroplan Visa Infinite Privilege
RBC Avion Visa Infinite
RBC Avion Visa Infinite Privilege
RBC Avion Visa Platinum
RBC British Airways Visa Infinite
RBC Cathay Visa Platinum
MBNA Alaska
CIBC Aventura Visa Infinite
BMO Air Miles World Elite
BMO Eclipse Visa Infinite Privilege
BMO Cashback World Elite
BMO Rewards World Elite
Scotiabank Momentum Visa Infinite
Rogers Bank World Elite
Canadian Tire World Elite
PC Financial World Elite

You Hold Credit Cards from 3 Countries ?

 

[ankur2wadhwa]

Let me tell you about my credit cards
In current financial year my age is just 20,
Cards currently using i.e,
ICICI platinum(LTF)
One Card Lite Secure (LTF)
Open Money Founder One Card (LTF)
Paisa bazar Step Up card Secure (LTF)
The list will continue upcoming months 😄

Open Money Founder One Card (LTF) , what is this card

 

[TechnoFino]

Why You took Such a High Fees Card Axis Reserve , how we can reap the most benefits out of this card

Got joining fees reversal 😄
And for this - luxury airport transfer 😀

 

[TechnoFino]

Hi Bro , How can we get USA Credit Cards , also You mentioned 2 Signature Legend Credit Cards from Indusind , how to get those , are those addons

I have uploaded a video on how to get us credit cards, do check that... I'll post a thread on this topic soon with step by step guide.
Yes I have 2 signature legend card, both are primary.
You can split your card limit and get 2nd card from indusind on approval basis

 

[Jatin gahlyan]

HDFC Regalia - 4Lakh
StanC Plat Rewards - 75k
Axis Ace/Flipkart- 50k
ICICI Plat/Apay - 2.5Lakh
Yes Properity Edge - 40k
HDFC Indian Oil - 25k
SBI Simplysave - 56k
SBI Prime - Closed

SimplyClick and SC Smart on the way.

Got HDFC Regalia First as my first card in Sept 2019.
All other card added in the last 5 months.

How you have 2 card from hdfc

 

[garvit3692]

I am new to cc , got my first card in Dec 2020 and second in July 2021 , after that i started collecting cards.

My portfolio is like -

SBI simplyclick click - 12lac (starting limit 18k
SBI BPCL - 5 lac (starting limit 135k
HDFC business mb - 1 lac
Kotak royale - 3 lac
Kotak urbane gold - 25k
Icici platinum+hpcl - 60k
Icici Manchester - 30k
Amazon pay icici - 210k (starting limit 60k
Icici mmt - 40k
Axis FK+neo+myzone - 50k
Lazypay card. - 1lac
Postpe card. - 80k
And the Last slice card - 5k 😂

 

[Subhankar]

I am new to cc , got my first card in Dec 2020 and second in July 2021 , after that i started collecting cards.

My portfolio is like -

SBI simplyclick click - 12lac (starting limit 18k
SBI BPCL - 5 lac (starting limit 135k
HDFC business mb - 1 lac
Kotak royale - 3 lac
Kotak urbane gold - 25k
Icici platinum+hpcl - 60k
Icici Manchester - 30k
Amazon pay icici - 210k (starting limit 60k
Icici mmt - 40k
Axis FK+neo+myzone - 50k
Lazypay card. - 1lac
Postpe card. - 80k
And the Last slice card - 5k 😂

So how you climbed up the limit to 12L on SBI cards this fast? SBI is one of the worst for LE. Shed some light for everyone.

 

[garvit3692]

So how you climbed up the limit to 12L on SBI cards this fast? SBI is one of the worst for LE. Shed some light for everyone.

Just followed a simple trick , which is only applicable on SBI 😂 , and i never got any pre-approved offer LE and i never gave any income doc. For limit increase.

 

[Subhankar]

Just followed a simple trick , which is only applicable on SBI 😂 , and i never got any pre-approved offer LE and i never gave any income doc. For limit increase.

Share the trick with everyone, so that it can be helpful, or you can choose to DM me

 

[garvit3692]

Share the trick with everyone, so that it can be helpful, or you can choose to DM me

Just texted

 

[CC_Fetish]

Share the trick with everyone, so that it can be helpful, or you can choose to DM me

We have joined this forum to help each other with such tricks! So, pls share for all. Sharmao mat

 

[ankur2wadhwa]

Got joining fees reversal 😄
And for this - luxury airport transfer 😀

Looks Fantastic , BTW any tricks to get Joining Fees Reversal or Its spend based reversal bro

 

[TechnoFino]

BTW would like a separate video on luxury airport transfer ... If possible @TechnoFino

will make one

 

[Extrovert🌃]

Here's my 1 Month Old Baby Portfolio

CIBIL around 759 (716 Right Now - quite a few inquiries so) at the time of applying everything

1) OneCard Secured CC (5.5k - just wanted to build something) - LTF
2) Slice 15k LTF
3) Paytm Postpaid 10k (not exactly CC but wanted you guys suggestion)
4) Axis FK 15k - Rs.590 P.A
5) Axis Neo 15k - Rs.295 P.A ( CC had called and said im eligible so applied on call)
6) FK Paylater NBFC - 40k (Thinking to close this as every EMI Txn is creating a separate Personal loan account, what do you suggest?)
7) Zest Money - 45k ( Decent 3 Month No Cost EMI option but it triggers CIR for every large Txn)
8) Money View platinum Card - 10k - LTF
9) LazyPay - 20k - LTF (only for offers)
10) Freecharge PayLater (Closed)
11) Oldest Account - Amazon Pay later - 30k (Closed - Delayed 2 EMI at the start of COVID)

in Progress

1) RBL Shoprite LTF
2) Axis My Zone LTF

i can't really produce income proof as Student (Freelance Web/Graphics Designer) hence cant really get alot of LTF cards.

suggestions are welcome...

 

[Extrovert🌃]

Paytm Postpaid, Flipkart Paylater etc. are shown as CDL/personal loans in Cibil.

It is bad for Cibil score in the long run.
Use secured CCs, unsecured CCs etc. to build you Cibil score, it will help boost your Cibil to 750-800 range.

Also your two defaults in EMI might hamper your Cibil. You shouldn't default.

i agree about default which was 3 Years ago. but now i have special savings in place which is equal to my Credit Limits so it doesn't happen again... so closing all paylaters a good idea then... What about Zest Money tho? it has the best no Cost EMI plans and good limit...

About Credit Utilization i have kept it under 30% from past 3 months when i had just gotten to know...

 

[Extrovert🌃]

Even if you don't close, I would suggest not using them if they don't charge anything just for keeping accounts.

but they do appear in CS as active and CDL/PL don't report the usage to CS companies so, they cant really tell if we are using them or not.

Except FK paylater , Everyone NBFC has just one account and have only listed "Sanctioned Limit"

what do you say about that?