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jatinkrmalik

jatinkrmalik

TF Select
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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
bhatt83hemang said:
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.
Click to expand...
i have splitted into 50k each. but i will close all the sbi cards except cashback card. no benefits. every card should return atleast 2.5 k per month
 
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...
citibank cashback is no more . axis cahback card give 7% cashback while spend more than 40k. magnus my one of my fav card . but i dont have. slice not providing cards no more
 
bankvarFeesLimit
amexmrcc4500480000
auzenithLTF800000
auinstapayLTF100000
axisrewLTF607000
axispriviLTFshared
axisneoLTF1000000
axismyzoneLTFshared
axisfk visa500shared
axisairtel rupay500shared
fedcelestaLTF500000
fedrupayLTFshared
hdfcinfinia100001500000
hdfctataneu infiniteLTFshared
hsbcplatinumLTF900000
iciciplatinumLTF1500000
iciciamaz payLTFshared
icicicoral rupLTFshared
idfcwealthLTF1150000
kotakzenLTF900000
onecardsibLTF750000
slice-LTF-
yespopLTF400000
221550010587000

Above in my name
+ Spouse 6 cards with 5,15,000 combined limit. (All LTF)
 
Ax
great said:
bankvarFeesLimit
amexmrcc4500480000
auzenithLTF800000
auinstapayLTF100000
axisrewLTF607000
axispriviLTFshared
axisneoLTF1000000
axismyzoneLTFshared
axisfk visa500shared
axisairtel rupay500shared
fedcelestaLTF500000
fedrupayLTFshared
hdfcinfinia100001500000
hdfctataneu infiniteLTFshared
hsbcplatinumLTF900000
iciciplatinumLTF1500000
iciciamaz payLTFshared
icicicoral rupLTFshared
idfcwealthLTF1150000
kotakzenLTF900000
onecardsibLTF750000
slice-LTF-
yespopLTF400000
221550010587000

Above in my name
+ Spouse 6 cards with 5,15,000 combined limit. (All LTF)
Click to expand...
Axis ka 6 cards ?
 
Alright, its my time to brag

Paid
1. Axis Airtel
2. HSBC Live+
3. SBI Cashback

LTF
1. Axis Flipkart
2. Axis IOCL
3. CSB Jupiter
4. HDFC Milennia
5. HDFC Tata Neu
6. ICICI Amazon
7. ICICI Coral
8. ICICI Platinum
9. Kotak League
10. Yes Kiwi

Closed
1. HDFC RuPay
2. HSBC Platinum (replaced with Live+)

Considering to Apply
1. RBL Xtra (fuel)
2. Amex Platinum
3. HDFC Swiggy (if LTF)
4. Scapia
 
great said:
bankvarFeesLimit
amexmrcc4500480000
auzenithLTF800000
auinstapayLTF100000
axisrewLTF607000
axispriviLTFshared
axisneoLTF1000000
axismyzoneLTFshared
axisfk visa500shared
axisairtel rupay500shared
fedcelestaLTF500000
fedrupayLTFshared
hdfcinfinia100001500000
hdfctataneu infiniteLTFshared
hsbcplatinumLTF900000
iciciplatinumLTF1500000
iciciamaz payLTFshared
icicicoral rupLTFshared
idfcwealthLTF1150000
kotakzenLTF900000
onecardsibLTF750000
slice-LTF-
yespopLTF400000
221550010587000

Above in my name
+ Spouse 6 cards with 5,15,000 combined limit. (All LTF)
Click to expand...
axis allows only 3 cards per person?
 
great said:
Yes
3 from. Axis relationship
And after citi transfer they created new cust id
So 3 more from that cust id
Click to expand...
my zone
neo
flipkart axis
airtel rupay
are from axis bank . only axis bank employees may get maximum 4 variants?..
no single card from citi bank?
 
Last edited:
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...
citi card now as axis cashback card . wonderfull card
 
Have a very small collection.
1. ICICI Amazon pay credit card: Card for all amazon purchases. Primarily shop on Amazon so very useful. LTF Card
2. HDFC Millenia: Primarily use this for all other CC needs apart from Amazon. LTF Card
3. AMEX MRCC Card: Use this for some international transactions when above two cards don't work. Generally am able to get AMEX to waive off 75% of the annual fees.

Planning to cancel HDFC Millenia and get the Swiggy card as i use Swiggy very regularly. Want to expand my portfolio soon
 
Last edited:
EPM_Boy said:
Have a very small collection.
1. ICICI Amazon pay credit card: Card for all amazon purchases. Primarily shop on Amazon so very useful. LTF Card
2. HDFC Millenia: Primarily use this for all other CC needs apart from Amazon. LTF Card
3. AMEX MRCC Card: Use this for some international transactions when above two cards dont work. Generally am ambe to get AMEX to waice off 75% of the annual fees.

Planning to cancel HDFC Millenia and get the Swiggy card as i use Swiggy very regularly. Want to expand my portfolio soon
Click to expand...
Keep millennia if you want upgrades in future. Otherwise close it and get Swiggy.
 
nandhakumarn said:
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
38. Canara bank rupay card LTF new arrival

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
Click to expand...
Nice collection.
1) How did you get both Millennia and MoneyBack+ ?
2) How 4 SBI Cards? Which was the 4th one?
3) How 4 Kotak cards? Which was the 4th one?
4) Curious where do you use Zen? Its reward rate is 0.8% for most spends except for certain categories (Apparel/Myntra, some air ticket websites, dept stores where it gives 1.6%, 2% with 3L/6L milestone). Are your Zen spends mostly on Myntra, air ticket websites or dept stores)?. Also, after June 2025, the base 0.8% is devalued to 0.6%, 1.6% on select categories devalued to 1.3%, and with 3L/6L milestone is 1.8% if spending on these categories otherwise 1.1%)
 
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