💳 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

 

[creditcardkakida]

Bhai Yeh list to ek saal purani hai. Latest dekhoge to pata nahi kya hoga 🤣 @TechnoFino

Ek bande ne to 3 desh ki dali hai list.. amex platinum charge card Falana dhimka sab hai uske paas..

 

[anirban.choudhury]

Added below cards to portfolio
Yes First exclusive - LTF
Rbl world safari - LTF
Stanc Ultimate
HDFC dcp - Addon ( wife got one LTF from alumini program )

Updated Portfolio

ICICI Sapphiro - LTF - 23.7 lakhs
ICICI Apay - LTF - 14.7 ( shared limit )
Icici MMT signature - 9 lakhs ( shared limit )
Axis Magnus - 10 lakhs
Axis select - 2 lakhs ( shared )
Axis FK - LTF - 2 lakhs ( shared )
Indus Ind legend - LTF - 9 lakhs
Bob eterna - 5 lakhs ( not sure whether it’s LTF or not )
YFE - LTF - 7 lakhs
Idfc select -LTF - 2.14 lakhs
Kotak zen signature - 12 lakhs
Sbi prime - 1.89 lakhs
PNB Rupay Select - 8 lakhs
Rbl world safari - LTF - 7 lakhs
Federal celesta - FYF - 7 lakhs
Stanc Ultimate - 9 lakhs
HSBC visa - LTF - 4 lakhs
Amex Gold charge
HDFC DCP ( Addon ) - LTF - 4 lakhs

Awaiting Delivery
Idbi euphoria

Targeted cards for next quarter
AU zenith or anything LTF
HDFC DCB/Infinia
ICICI emirates skywards emeralde if given LTF
LTF/FYF upgrade to Kotak white
Amex Plat charge ( waiting for upgrade offer with 1.25 lakhs MR )
May be axis reserve if given FYF

Updated Portfolio

Card	Fees	CL	Status
SBI Prime	2999​	1.89L	Closed
Axis Select	3000​	2L	Closed
Axis FK	LTF	2L	Active
Canara Rupay Select	300​	2L	Active
Union Rupay Select	499​	2.8L	Active
BOM Visa	500​	4L	Active
HSBC Visa	LTF	4L	Active
IDBI Euphoria	LTF	5L	Active
Federal Celesta	LTF	7L	Active
RBL World Safari	LTF	7L	Active
PNB Rupay Select	LTF	8L	Active
Axis Myzone	LTF	8L	Active
Indusind Indulge	LTF	9L	Active
Stanc EMT	350​	9L	Active
ICICI MMT Signature	LTF	9L	Active
Yes First Exclusive	LTF	10L	Active
BOB Eterna	LTF	10L	Active
AU Zenith	LTF	12L	Awaiting Delivery
ICICI Rubyx	LTF	14.7L	Active
ICICI Apay	LTF	14.7L	Active
Axis Magnus	10000​	15L	Active
IDFC Wealth	LTF	15L	Active
HDFC DCB	LTF	19L	Active
ICICI Sapphiro	LTF	23.7L	Active
Kotak Zen	LTF	25L	Active
ICICI Emirates Emeralde	LTF	36L	Active
Amex Gold Charge	4500​	NA	Active

 

[basant]

Updated Portfolio

Card	Fees	CL	Status
SBI Prime	2999​	1.89L	Closed
Axis Select	3000​	2L	Closed
Axis FK	LTF	2L	Active
Canara Rupay Select	300​	2L	Active
Union Rupay Select	499​	2.8L	Active
BOM Visa	500​	4L	Active
HSBC Visa	LTF	4L	Active
IDBI Euphoria	LTF	5L	Active
Federal Celesta	LTF	7L	Active
RBL World Safari	LTF	7L	Active
PNB Rupay Select	LTF	8L	Active
Axis Myzone	LTF	8L	Active
Indusind Indulge	LTF	9L	Active
Stanc EMT	350​	9L	Active
ICICI MMT Signature	LTF	9L	Active
Yes First Exclusive	LTF	10L	Active
BOB Eterna	LTF	10L	Active
AU Zenith	LTF	12L	Awaiting Delivery
ICICI Rubyx	LTF	14.7L	Active
ICICI Apay	LTF	14.7L	Active
Axis Magnus	10000​	15L	Active
IDFC Wealth	LTF	15L	Active
HDFC DCB	LTF	19L	Active
ICICI Sapphiro	LTF	23.7L	Active
Kotak Zen	LTF	25L	Active
ICICI Emirates Emeralde	LTF	36L	Active
Amex Gold Charge	4500​	NA	Active

omg🤔🤔
you have total credit card limit of approx 3 crores.
whats ur credit utilization ratio😃😃😃😃
once ur card limit increases then all banks cards are in ur pocket.

 

[Wealth is my birth right!]

Updated Portfolio

Card	Fees	CL	Status
SBI Prime	2999​	1.89L	Closed
Axis Select	3000​	2L	Closed
Axis FK	LTF	2L	Active
Canara Rupay Select	300​	2L	Active
Union Rupay Select	499​	2.8L	Active
BOM Visa	500​	4L	Active
HSBC Visa	LTF	4L	Active
IDBI Euphoria	LTF	5L	Active
Federal Celesta	LTF	7L	Active
RBL World Safari	LTF	7L	Active
PNB Rupay Select	LTF	8L	Active
Axis Myzone	LTF	8L	Active
Indusind Indulge	LTF	9L	Active
Stanc EMT	350​	9L	Active
ICICI MMT Signature	LTF	9L	Active
Yes First Exclusive	LTF	10L	Active
BOB Eterna	LTF	10L	Active
AU Zenith	LTF	12L	Awaiting Delivery
ICICI Rubyx	LTF	14.7L	Active
ICICI Apay	LTF	14.7L	Active
Axis Magnus	10000​	15L	Active
IDFC Wealth	LTF	15L	Active
HDFC DCB	LTF	19L	Active
ICICI Sapphiro	LTF	23.7L	Active
Kotak Zen	LTF	25L	Active
ICICI Emirates Emeralde	LTF	36L	Active
Amex Gold Charge	4500​	NA	Active

Is indulge a charge card?
Ur cc portfolio highly vast dude…great to see

 

[anirban.choudhury]

Is indulge a charge card?
Ur cc portfolio highly vast dude…great to see

They say it’s a NPSL ( no pre set limit ) card, but it’s a credit card and not charge card as you can pay the dues in EMI also
Only think is that they give you 3% extra limit as a top up over your card limit and does not charge extra for usage like other cards

 

[anirban.choudhury]

omg🤔🤔
you have total credit card limit of approx 3 crores.
whats ur credit utilization ratio😃😃😃😃
once ur card limit increases then all banks cards are in ur pocket.

Few of the limits are shared like for ICICI and axis cards

 

[Wealth is my birth right!]

They say it’s a NPSL ( no pre set limit ) card, but it’s a credit card and not charge card as you can pay the dues in EMI also
Only think is that they give you 3% extra limit as a top up over your card limit and does not charge extra for usage like other cards

Nice
For nearest future I wish my pinnacle to be indulge let’s see how it goes
My current Amex gold charge no emi facility

 

[anirban.choudhury]

Nice
For nearest future I wish my pinnacle to be indulge let’s see how it goes
My current Amex gold charge no emi facility

Yeah Amex Gold charge is a charge card , so no emi facility same with Plat charge

 

[creditcardkakida]

Mujh gareeb ke paas bhi kuchh cards hain..
Hdfc regalia LTF 6.62 lakh
Hdfc neu infinity 6.62 lakh shared limit ltf
Axis FK 3.8 lakh shared limit
Axis ace 2.2 lakh shared limit not ltf
Axis magnus 3.8 lakh shared limit not ltf
Icici platinum 2.7 lakh(getting offer to upgrade to sapphiro on fee basis so not interested)
Icici apay 2.7lakh
Citi rewards 2.65 lakh not ltf but threshold for waiver is very less
Sbi simply click 499 2.4 lakh
Amex gold credit card 1.85 lakh an. fee 1000
Indusind iconia amex ltf(now upgraded to pinnacle waiting for delivery.. one time fee 14999) limit 1.49 lakh
Pnb rupay select 2 lakh
Standard chartered emt 1.77 lakh not ltf

 

[techsearch]

Mujh gareeb ke paas bhi kuchh cards hain..
Hdfc regalia LTF 6.62 lakh
Hdfc neu infinity 6.62 lakh shared limit ltf
Axis FK 3.8 lakh shared limit
Axis ace 2.2 lakh shared limit not ltf
Axis magnus 3.8 lakh shared limit not ltf
Icici platinum 2.7 lakh(getting offer to upgrade to sapphiro on fee basis so not interested)
Icici apay 2.7lakh
Citi rewards 2.65 lakh not ltf but threshold for waiver is very less
Sbi simply click 499 2.4 lakh
Amex gold credit card 1.85 lakh an. fee 1000
Indusind iconia amex ltf(now upgraded to pinnacle waiting for delivery.. one time fee 14999) limit 1.49 lakh
Pnb rupay select 2 lakh
Standard chartered emt 1.77 lakh not ltf

Bhagwan aap jaisa gareeb sabko banaye 😂🙂

 

[armat]

Yes.
5% Cashback for Smartbuy and Payzapp Txns.

2.5% cashback for online Txns
1% for offline and Wallet Spends

I am getting 11% Cashback (Net of Convenience Fee) every Month for Purchasing Amazon Pay Vouchers from Smartbuy.

Now HDFC offering me MoneyBack Plus as an Upgrade🤣🤣

Can we get 2.5% cashback on recharge and bill payments ?

 

[VISHESH_BANSAL]

Can we get 2.5% cashback on recharge and bill payments ?

Yes any online txn except wallet load.

 

[yaathran]

Updated Portfolio

Card	Fees	CL	Status
SBI Prime	2999​	1.89L	Closed
Axis Select	3000​	2L	Closed
Axis FK	LTF	2L	Active
Canara Rupay Select	300​	2L	Active
Union Rupay Select	499​	2.8L	Active
BOM Visa	500​	4L	Active
HSBC Visa	LTF	4L	Active
IDBI Euphoria	LTF	5L	Active
Federal Celesta	LTF	7L	Active
RBL World Safari	LTF	7L	Active
PNB Rupay Select	LTF	8L	Active
Axis Myzone	LTF	8L	Active
Indusind Indulge	LTF	9L	Active
Stanc EMT	350​	9L	Active
ICICI MMT Signature	LTF	9L	Active
Yes First Exclusive	LTF	10L	Active
BOB Eterna	LTF	10L	Active
AU Zenith	LTF	12L	Awaiting Delivery
ICICI Rubyx	LTF	14.7L	Active
ICICI Apay	LTF	14.7L	Active
Axis Magnus	10000​	15L	Active
IDFC Wealth	LTF	15L	Active
HDFC DCB	LTF	19L	Active
ICICI Sapphiro	LTF	23.7L	Active
Kotak Zen	LTF	25L	Active
ICICI Emirates Emeralde	LTF	36L	Active
Amex Gold Charge	4500​	NA	Active

Were you able to get ICICI Emirates Emeralde as life time free card? Any specific requirements?

 

[Iamgora]

A small portfolio but more than enough for my needs

Kotak 811 Dream Different - LTF - 16K
Axis MyZone - LTF - 66K ( Shared Limit)
Axis Flipkart - 499 - 66K (Shared Limit)
Axis Airtel - 499 - 24K (Shared Limit)
SBI Cashback - 999 - 56K
IDFC Classic - LTF - 71K
BOB PREMIER - LTF - 1L
ICICI Amazon - LTF - 2.2L

 

[ADITYA1904]

Updated Portfolio

Card	Fees	CL	Status
SBI Prime	2999​	1.89L	Closed
Axis Select	3000​	2L	Closed
Axis FK	LTF	2L	Active
Canara Rupay Select	300​	2L	Active
Union Rupay Select	499​	2.8L	Active
BOM Visa	500​	4L	Active
HSBC Visa	LTF	4L	Active
IDBI Euphoria	LTF	5L	Active
Federal Celesta	LTF	7L	Active
RBL World Safari	LTF	7L	Active
PNB Rupay Select	LTF	8L	Active
Axis Myzone	LTF	8L	Active
Indusind Indulge	LTF	9L	Active
Stanc EMT	350​	9L	Active
ICICI MMT Signature	LTF	9L	Active
Yes First Exclusive	LTF	10L	Active
BOB Eterna	LTF	10L	Active
AU Zenith	LTF	12L	Awaiting Delivery
ICICI Rubyx	LTF	14.7L	Active
ICICI Apay	LTF	14.7L	Active
Axis Magnus	10000​	15L	Active
IDFC Wealth	LTF	15L	Active
HDFC DCB	LTF	19L	Active
ICICI Sapphiro	LTF	23.7L	Active
Kotak Zen	LTF	25L	Active
ICICI Emirates Emeralde	LTF	36L	Active
Amex Gold Charge	4500​	NA	Active

Wow…

 

[saucy]

Emeralde LTF on a salary of 20 L per month

I think it's 30LPA - as sapphiro needs > 2LPM, and i was definitely not offered even a sapphiro ltf at my current salary

 

[anirban.choudhury]

I think it's 30LPA - as sapphiro needs > 2LPM, and i was definitely not offered even a sapphiro ltf at my current salary

You won’t get LTF Emeralde on 30 LPA
The official criteria for emeralde itself is 3 lakhs net salary per month

As per ICiCi rules , salary above 2 million per month gives LTF Emeralde or 35 lakhs auto loan or 5 cr home loan

 

[saucy]

You won’t get LTF Emeralde on 30 LPA
The official criteria for emeralde itself is 3 lakhs net salary per month

As per ICiCi rules , salary above 2 million per month gives LTF Emeralde or 35 lakhs auto loan or 5 cr home loan

20L per month?🥵

 

[Wealth is my birth right!]

20L per month?🥵

Even one gets that much salary credit also ICICI won’t upgrade automatically or provide upgrade offers
We have to manually push

 

[creditcardkakida]

I couldn't understand why such lust for LTF cards.. it feels and sounds good to have LTF card but by maintaining high NRV with low return like SB a/c balance or other deposit.. it's only beneficial for bank not the customer..