How many active credit cards do you have? Flash your portfolio.

[rahulsethi]

Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 48 active credit cards as on date out of which 43 I got in last one year only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year close to 100.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
HDFC Paytm
Axis Atlas
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
Kotak League Rupay LTF
SBI Cashback FYF
SBI BPCL
Amex Platinum Travel FYF
Amex Platinum Charge Card
Amex MRCC FYF
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
Indusind Platinum Rupay LTF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
IDFC FIRST Digital Rupay
IDFC First Swyp
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
AU INSTAPAY RUPAY LTF
YES Bank Reserv Card
YES Bank Virtual UPI CC LTF
HSBC Platinum Rewards LTF
Jupiter Edge CSB Rupay LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF
Fi Federal Simplifi LTF

 

[rahulsethi]

PS: Also, please suggest how can I meet my half century soon 😅

 

[chenrichy]

Try to get all PSU bank CCs... I'm on the way to there

 

[s73uresh]

One question, hope you are able to get waiver for all paid cards either over talking to customer care or through spends. Otherwise I feel it is not worth paying fees against the benefits you get. I too keep applying cards but Big No to cards that give no or least benefit unless it is LTF

 

[James]

PS: Also, please suggest how can I meet my half century soon 😅

I already gave you a tip. Request all network cards from icici.

 

[rahulsethi]

One question, hope you are able to get waiver for all paid cards either over talking to customer care or through spends. Otherwise I feel it is not worth paying fees against the benefits you get. I too keep applying cards but Big No to cards that give no or least benefit unless it is LTF

Most of mine are LTF only, paid ones i only keep if the renewal benefits compensate the cost.

 

[rahulsethi]

Try to get all PSU bank CCs... I'm on the way to there

How many active credit cards do you have already?

 

[niks]

While we have LTF cards and FYF cards, why is OJF not a term yet?

"Only Joining Fees" - Many IndusInd cards and ICICI Makemytrip card for example

 

[steiner03]

Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF

If I am not wrong, one must make atleast 1 transaction a year for the bank to not close it. How do you keep track and manage that?
And how do you keep track of bill payments too?
I personally own 12 cards, still a noob.

 

[chenrichy]

How many active credit cards do you have already?

28 Active... For past 9 Years its 3.... After joining TF its + 25...

 

[iamabhisekagar]

Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF

how do you manage so many cards?

 

[TheTrickySid]

Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF

Kotak White LTF how??

 

[rahulsethi]

Kotak White LTF how??

Comes as a feature of their Privy league program

 

[rahulsethi]

28 Active... For past 9 Years its 3.... After joining TF its + 25...

Would love to take a look at your portfolio

 

[rahulsethi]

If I am not wrong, one must make atleast 1 transaction a year for the bank to not close it. How do you keep track and manage that?
And how do you keep track of bill payments too?
I personally own 12 cards, still a noob.

I have fixed a time in month where I go through each app and pay it all even if there is time left so that I don't miss any

 

[Walter White]

Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF

All unsecured

HDFC: DCB, Neu Infinity (Both LTF)
ICICI: Apay, Coral, Rubyx, Sapphiro (All LTF)
Amex: Gold, Platinum Travel(FYF)
SBI: Vistara Prime
PNB: Rupay Select (Conditional LTF)
BoB: ICAI, Premier (Both LTF)
Axis: Atlas, Vistara Signature, My Zone(LTF)
AU: Zenith(LTF)
Kotak: Myntra(FYF)
Federal: OneCard(LTF)

 

[PRIYANSHU_]

Curious to meet the heavy hitters in the TF community. Share how many active credit cards do you have and brag your portfolio, also really looking forward to how do you manage that portfolio, keeping track of payments etc. Let me start with myself, I have 38 active credit cards as on date out of which 33 i got in last 8 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 795. No of enquiries last one year >50.

My modest portfolio:

Unsecured:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
HDFC Swiggy Mastercard
HDFC Marriot Bonvoy
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
ICICI HPCL Coral LTF
ICICI Rupay Coral LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Pinnacle LTF
Indusind Eazydiner FYF
IDFC First Select LTF
IDFC Club Vistara
IDFC POWER+
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
YES Bank Virtual UPI CC LTF

Secured:
Gild SBM LTF
Stepup Paisabazaar SBM LTF
Niyo Global SBM LTF
IDFC WOW LTF

How to get LTF cc from icici bank .
I am having Amazon icici cc.

 

[Shrinit Padwal]

All unsecured

HDFC: DCB, Neu Infinity (Both LTF)
ICICI: Apay, Coral, Rubyx, Sapphiro (All LTF)
Amex: Gold, Platinum Travel(FYF)
SBI: Vistara Prime
PNB: Rupay Select (Conditional LTF)
BoB: ICAI, Premier (Both LTF)
Axis: Atlas, Vistara Signature, My Zone(LTF)
AU: Zenith(LTF)
Kotak: Myntra(FYF)
Federal: OneCard(LTF)

Bob ICAI - something exclusive for CA's?

 

[Walter White]

Bob ICAI - something exclusive for CA's?

Yes

 

[Astraea]

Unsecured cards in my wallet:
- ICICI: APAY, Platinum (LTF)
- Federal: Onecard (LTF)
- AXIS: Myzone, Kiwi (LTF)
- HDFC: Millennia (LTF)
- Kotak: League Platinum (LTF)

Considering getting in the next 6 months:
- IDFC: Select/Wealth
- Amex: Platinum Travel/Reserve, MRCC

Note: I'm open to suggestions, aiming to keep my card count under 15 in my portfolio at any given time.