💳 Share & brag your cards portfolio here! 🤑

[jatinkrmalik]

Update: Here's my updated cc portfolio ‼️

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

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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

 

[BradleyCopper]

Even if you don't find those points any use (which actually provides amzn/fk/movie or bus booking etc. (more than and same options DCB provides) but any case, even if those are not useful to you, atleast you're getting something where 0 forex provide you nothing. If you spend and use this card maybe some time in 2 years (reward validity) this might give you something in return.

IMO, compared to Legend, OneCard, Coral, Indus Rupay, YEs Fin, YEs Rupay, Sapphiro. This Zenith card has better redemption and earning opportunities (when compared by excluding only DCB).

This is my opinion and letting you know the existing options available with you (when better is already available, then 0% seems not good to me). Again, its upto you if still needed that 0 forex card (maybe I don't know the actual issue with your zenith and providing you credit card that provides >0% on forex spends which already available with you).

Doesn't Amazon and other vouchers have a conversion rate of 1rp = 0.2p?
10RP per 100 for intl txns - 2% return.
As the markup is 2% + GST, it will be a net loss.
Yeah, I get your point regarding redemption if it was 25p per rp, but I would prefer to have peace of mind over .15% rewards tbh. Just my view.

 

[adnanpasha3711]

My portfolio consists of following cards:

All cards are LTF

1. IndusInd Avios Metal (2.8 L)
2. SBI Elite (1.5 L)
3. ICICI Sapphiro (5 L)
4. Yes Reserv (3.8 L)
5. ICICI MMT Signature (5 L)
6. HDFC Millenia (1.4 L)
7. Axis Flipkart (1.2 L)
8. ICICI Amazon Pay (5 L)
9. J&K Bank Platinum (1 L)

ICICI cards have a shared limit of 5 L

Please suggest future course of action to receive premium card upgrades and other bank credit cards.

 

[nrj1007]

My portfolio consists of following cards:

All cards are LTF

1. IndusInd Avios Metal (2.8 L)
2. SBI Elite (1.5 L)
3. ICICI Sapphiro (5 L)
4. Yes Reserv (3.8 L)
5. ICICI MMT Signature (5 L)
6. HDFC Millenia (1.4 L)
7. Axis Flipkart (1.2 L)
8. ICICI Amazon Pay (5 L)
9. J&K Bank Platinum (1 L)

ICICI cards have a shared limit of 5 L

Please suggest future course of action to receive premium card upgrades and other bank credit cards.

Ho to get Indisind Avios LTF?

 

[adnanpasha3711]

Ho to get Indisind Avios LTF?

Was using IndusInd Legend regularly for the past 1.5 years. Received the LTF upgrade offer via email.

 

[Rahul92]

Was using IndusInd Legend regularly for the past 1.5 years. Received the LTF upgrade offer via email.

How much was monthly usage on legend ?

 

[summary]

Here is my current portfolio -

1. ICICI Amazon - 4.6L LTF
2. One Card, issued by BOB Financial - 4.6L LTF
3. Axis IOCL - 2.52L LTF
4.Axis Privilege - 2.52L Paid
5. Federal Scapia - 4.83L LTF
6. HDFC Millenia - 26K LTF
7. HDFC Swiggy - 26K Paid
8. IDFC First Select - 1.5L LTF
9. Amex Platinum Travel - 50K FYF

P.S Planning to close Privilege after the devaluation.

 

[Gaara]

One Card, issued by BOB Financial - 4.6L LTF

IDFC First Select - 1.5L LTF

Any tips and tricks with these 2 cards 🤔

 

[summary]

Any tips and tricks with these 2 cards 🤔

I don't think you need any tricks to get your hands on these two cards. Pretty easy to get approved, I can however share the contact details of the agent of IDFC who contacted me to get First Select card.

 

[Gaara]

I don't think you need any tricks to get your hands on these two cards. Pretty easy to get approved, I can however share the contact details of the agent of IDFC who contacted me to get First Select card.

I'm having those cards, After the devaluation of the ace card, I decided to explore the benefits offered by my other cards. Recently, I discovered that "one card" provides exceptional returns for offline transactions, especially with its ‘around you’ feature. I learned about this just a few days ago. Are there any tips or tricks for maximizing the benefits of this card? and I have yet to explore my IDFC Select card, except for the BOGO (Buy One Get One) offer I haven't used it anywhere else.

 

[summary]

Right, One Card is excellent for offline transactions for groceries and restaurant chains. I haven't used Select card other than BOGO and to access airport lounges.

 

[partritronix]

My latest CC portfolio:

1. HDFC INFINIA
2. HDFC TATA NUE INFINITY
3. AXIS ATLAS
4. AXIS AIRTEL
5. AXIS MAGNUS
6. BOB PRIMIER (1.6L)
7. ICICI PLATINUM
8. ICICI AMAZON PAY
9. ICICI CORAL
10. SBI CASHBACK(47K)

HDFC shared limit of 8L, AXIS shared limit of 3.3 L, ICICI shared limit of 7.7L.

 

[adnanpasha3711]

How much was monthly usage on legend ?

50k average. Most spends done internationally.

 

[pranjal1984]

Latest updated portfolio:
Amex MRCC- 6.77 L
Indus Ind Legend- 5 L (LTF)
ICICI Coral Rupay-5 L (LTF)
Standard Chartered Platinum Rewards- 4.37 L (LTF)
Axis MyZone- 4 L (LTF)
SBI Cashback- 3.61 L
HDFC Regalia Gold -3.35 L (FYF)
IDFC Select- 3 L (LTF)
IDFC HPCL Power+ - 3L (shared with select)
Yes Reserv - 3 L (LTF)
BoB Premier- 2.20 L (LTF)
Kotak IOCL - 2.10 L
SBI BPCL Octane- 0.58 L

 

[jade]

My latest card portfolio

Amex MRCC 5 L (Paid)
ICICI Amazon Pay 4.8 L
ICICI Coral Rupay 4.8 L
Axis Airtel 2.3 L (Paid)
Axis Ace 2.3 L (Paid)
SBI Cashback 1 L (Paid)

 

[cnu431]

My CC portfolio
HDFC Diners - LTF
Amazon Pay ICICI Credit Card - LTF
ICICI Coral - LTF
Yes Bank Preferred - LTF
Yes Prosperity Rewards - LTF
BOB Eterna (Paid)
BOB Easy - LTF
SBI Cashback (Paid)
Axis Ace (Paid)

 

[ghoshshubhabrata]

My portfolio consists of following cards:

All cards are LTF

1. IndusInd Avios Metal (2.8 L)
2. SBI Elite (1.5 L)
3. ICICI Sapphiro (5 L)
4. Yes Reserv (3.8 L)
5. ICICI MMT Signature (5 L)
6. HDFC Millenia (1.4 L)
7. Axis Flipkart (1.2 L)
8. ICICI Amazon Pay (5 L)
9. J&K Bank Platinum (1 L)

ICICI cards have a shared limit of 5 L

Please suggest future course of action to receive premium card upgrades and other bank credit cards.

How did you get Yes Reserv LTF?

 

[nik007rock]

My 2024 updated folio of CC's

 

[ashwink]

My 2024 updated folio of CC's

Only Mastercard Variants of BOB Easy/Select cards provides Domestic Lounge Access.

 

[nik007rock]

Only Mastercard Variants of BOB Easy/Select cards provides Domestic Lounge Access.

Will update in my tracker

 

[adnanpasha3711]

How did you get Yes Reserv LTF?

Got Yes First Preferred LTF 2 years back, kept using it and got upgraded to Yes First Exclusive LTF last year, which later converted to Yes Reserv