• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

💳 Share & brag your cards portfolio here! 🤑

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:
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 😄
Good start. I would suggest you to keep your spends to what you can afford to pay back with your pocket money and not miss any due dates.
After an year or two, you can close all the secured cards and keep the oldest one (I'm assuming ICICI platinum) active so that you have a long credit history. You only need secured cards when you don't have a credit history, after a while they become useless with very less reward rate.
You'll start getting good unsecured cards once you have a good Cibil score plus you start earning. Analyse your spends and form your credit card portfolio accordingly rather than taking every LTF card (your mileage may vary).

Edit: oops I just realised I replied to an year old message, I'm sure your portfolio would look bigger and better 🙂. Feel free to share.
 
Good start. I would suggest you to keep your spends to what you can afford to pay back with your pocket money and not miss any due dates.
After an year or two, you can close all the secured cards and keep the oldest one (I'm assuming ICICI platinum) active so that you have a long credit history. You only need secured cards when you don't have a credit history, after a while they become useless with very less reward rate.
You'll start getting good unsecured cards once you have a good Cibil score plus you start earning. Analyse your spends and form your credit card portfolio accordingly rather than taking every LTF card (your mileage may vary).

Edit: oops I just realised I replied to an year old message, I'm sure your portfolio would look bigger and better 🙂. Feel free to share.
No problem 😊
Now I have lot of cards...list will still continues
 
1.ICICI Apay - LTF - 5.3L
2.ICICI MMT - LTF - 5.3L
3.Kotak Legue - LTF - 3L
4.HDFC Regalia - LTF - 2.5L
5.IDFC First Select - LTF -2.15L
6.Axis Previledge - FYF - 1.4L
7.Axis Indian oil - LTF - 1.4L
8.Axis Neo - LTF - 1.4L
9.BOB easy - LTF - 0.75L
 
1.ICICI Apay - LTF - 5.3L
2.ICICI MMT - LTF - 5.3L
3.Kotak Legue - LTF - 3L
4.HDFC Regalia - LTF - 2.5L
5.IDFC First Select - LTF -2.15L
6.Axis Previledge - FYF - 1.4L
7.Axis Indian oil - LTF - 1.4L
8.Axis Neo - LTF - 1.4L
9.BOB easy - LTF - 0.75L
Can you please share how you got Regalia as LTF?
 
As of January - 10 - 2023

ICICI Amazon Pay - LTF ( Shared limit 1,10,000 )
ICICI Platinum - LTF ( Shared limit 1,10,000 )
ICICI MakeMyTrip - PAID a joining fee of 2500rs ( Shared limit 1,10,000 )

HDFC Millenia - LTF ( 1.38,000 )

SBI SimplyClick - PAID 500rs ( 58,000 )
SBI Prime - PAID 3000rs ( 90,000 )
SBI Cashback - PAID 1000rs ( 30,000 )

IndusInd Platinum - LTF ( 70,000 )

RBL Zomato - LTF ( 1.27,000 )

OneCard Metal - LTF ( 1.20,000 )

Flipkart Axis card - LTF ( 68,000 )

BOB Select 2 cards ( 40,000 and 74,000 )

AU Vetta - PAID 3000rs ( 1,25,000 )

Kotak Mojo - PAID 1000rs ( 96,1000 )
You can easily convert Kotak Mojo to LTF. Just raise closure request. They will make it LTF.
Or ask for upgrade to Zen or White LTF when the retention team calls.
 
HDFC Trio (Infinia+DCB+Neu) - All LTF Combined limit 20L
Axis Trio (Vistara+Magnus+Reserve) - All Paid Combined Limit 25L
SCB Ultimate - Paid Limit 20L
SBI (Aurum, Air India and CB) - Paid Combined Limit 10L
IDFC Wealth - Limit 8L
IndusInd Legend - LTF Limit 8L
Amex Plat - Paid No Limit
Plus some more Citi, RBL, etc - Paid+LTF - Overall Limit - 18.4 L
Hi @Theo ,
Wanted to know how did you manager DCB + infinia LTF. I have been trying to get this combo but HDFC refuses. Just got an upgrade from DCB to Infinia as I was geting to keep just one.

Regards,

Balpreet
 
My portfolio might not be as impressive compared to many of the seniors here but these are some points to consider:

1. I'm a 21 year old student without any income proof.

2. My first CC is only 1.5 years old.

3. I only started trying to get new credit cards since Dec 2021 and all cards in the picture except for ICICI cards are received by me in Jan 2022.

ICICI Rubyx LTF (3L)
ICICI Amazon Pay (3L)
HDFC Regalia LTF (3.5L)
Axis Flipkart (1.45L)
Axis Ace (1.45L)
Indusind Legend (3L)
Axis Reserve (6L)

My dream is to get HDFC infinia and other super premium cards in India and abroad.

View attachment 46
Pre approved or manual application

Current Cibil Score and Other Loans??
 
My humble Credit Card Portfolio:

1. Standard Chartered Smart Visa- 2.48L (FYF, 499/yr)
2. ICICI Amazon Pay Visa - 5.1L (LTF) (P.S: It's the shut up and take my money skin wala 🤣)
3. ICICI Sapphiro MasterCard+Amex - 5.1L (Shared limit, LTF)
4. Tata Neu Infinity HDFC Rupay - 2.43L (LTF)
5. HSBC Visa Platinum - 2.74L (LTF)
6. Airtel Axis MasterCard - 3.39L (FYF, 500/yr)
7. Kotak Mojo Visa Platinum - 6.9L (LTF)

In process (first two under Alumni program):
1. HDFC DCB LTF (they rejected giving some vague reason 😡)
2. Axis My Zone LTF (physical verification done, approval pending)

Wishlist:
1. SBI Cashback (got rejected once in Mar, applied again today, instant rejection again)
2. HDFC Millenia LTF 🥺
3. RBL Play - waiting to get Superstar status (2 more to go). Might not apply since I already have/will have cards with BOGO offers.

View attachment 20446
Got Sapphiro Mc+Amex today. Looks really good along with the others.

Shut up and Take My Money skin is on APay Card 🤣(from WrapCart) IMG_20230621_141117_668.jpg
 
Last edited:
Why the skin on only amazon pay bro? You don't want other banks to take your money? 🤣
It was my most used card (online and offline) for a long time, only recently it has taken a backseat to SC Smart. But still I sometimes use it for offline for 1% cashback. Raises a few eyebrows while paying offline (pos) for sure 🤣

Moreover the default design was nothing extraordinary, so made sense to put something on it.
 
My portfolio:

SBI SimplyClick - LTF - 13K
SBI BPCL - PAID - 45K
RBL Shoprite - LTF - 3.08L
CITI Cashback - PAID - 1.80L
ICICI AmazonPay - LTF - 2.20L
ICICI MMT Platinum - LTF - 1.00L
AMEX SmartEarn - PAID - 92K
AMEX MRCC - PAID - 1.00L
BOB Premier - LTF - 65K
BOB HPCL - PAID - 65K
Axis ACE - PAID - 1.79L
Axis MyZone - LTF - 1.79L
INDUSIND Legend - LTF - 80K
Onecard - LTF - 70K
Kotak IO - PAID - 1.79L
HDFC TataNeu+ - FYF - 13K
PNB Platinum - LTF - 60K
 
My portfolio:

HDFC Business Regalia --- 8L
HDFC TATA Neu -----------8L
AXIS Magnus---------------4.67L
ICICI Amazon Pay-----------6.L
ICICI Makemytrip Signature----5.1L
ICICI Rubyx Credit Card--------5.1L
ICICI Rubyx AMEX--------------5.1L

Applied

HDFC Infinia
AXIS Reserve
 
Here is my latest collection:

HDFC Infinia - FYF
SC Ultimate - Paid
IDFC First Wealth - LTF
AU Zenith - LTF
ICICI Sapphiro - LTF
Amex Reward - LTF
Axis Ace - Paid
Axis Airtel - FYF
HDFC Tata Neu - LTF
IndusInd Aura - LTF
ICICI Amazon Pay - LTF
SBI Cashback - FYF
Federal Imperio - LTF
SBI BPCL - Paid
BOB Premier - LTF
Citi Indian Oil - LTF
Kotak League - LTF
PNB Rupay Select - Paid
 
Last edited:
Here is my latest collection:

HDFC Infinia - FYF
SC Ultimate - Paid
IDFC First Wealth - LTF
AU Zenith - LTF
ICICI Sapphiro - LTF
Amex Reward - LTF
Axis Ace - Paid
Axis Airtel - FYF
HDFC Tata Neu - LTF
IndusInd Aura - LTF
ICICI Amazon Pay - LTF
SBI Cashback - LTF
Federal Imperio - LTF
SBI BPCL - Paid
BOB Premier - LTF
Citi Indian Oil - LTF
Kotak League - LTF
PNB Rupay Select - Paid
How you got cashback card as LTF?
 
Back
Top