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

[Zacobite]

1ICICI Amazon Pay, 2Coral Rupay, 3Coral AmEx and 4Platinum Chip ALL LTF
5HDFC Millennia New LTF, 6Biz Rupay UPI (virtual) LTF* and 7Tata Neu Plus Paid
8IDFC First Millennia LTF and 9First Digital (virtual) 199+GST
10CashBack SBI Card Paid but fee reversed
11Federal Imperio LTF
12OneCard SIB LTF
13LazyPay RBL LTF
14Jupiter Edge CSB LTF
15Myntra KOTAK Paid
16BB FinBooster YES LTF

*spends based LTF

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 45 active credit cards as on date out of which 40 I got in last one year only, targeting a half century soon. Depth of credit 10+ years, CIBIL 797. No of enquiries last one year >60.

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
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank Reserv Card
YES Bank Virtual UPI CC LTF
HSBC Platinum Rewards LTF

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

OMG... its a collection..

 

[Riya]

only 11 i have .. faar behind all the collectors

Don't worry... It's never too late ✌️

 

[Zacobite]

Don't worry... It's never too late ✌️

LoL.. I have more than enough.. will probably consolidate...

 

[helloworld]

Please recommend good cards that I should add in my portfolio.
1. I use Axis Ace for most of my spends. Please suggest how to convert to LTF.
2. I want a good Rupay card for UPI transactions.
3. My primary objective is cashbacks and offers only, so mainly looking for LTF cards.
4. Initially I want to collect cards for all major banks for offers, even entry level card would suffice for now.
5. My current CIBIL is 776. I am also concerned on how to manage/enhance my CIBIL in my pursuit for a good card portfolio.
6. Please do add in any other recommendations or suggestions if you have any.

Thanks

Do add your reasearch from this forum or any other (if any) w.r.t these points, will let you know whether those cards useful for these requirements or not.

 

[sparkit]

I just have 5 cards! I started last year!
I cannot believe we can collect these much cards!
Just awesome!
With guidance from this forum, hope I too can collect best cards!

 

[bhavyakjain]

I am getting ICICI Saphhiro LTF. Should I take it?

 

[bhavyakjain]

Do add your reasearch from this forum or any other (if any) w.r.t these points, will let you know whether those cards useful for these requirements or not.

I recently applied for IDFC Select (I was told wealth card is only for wealth account holders, application in process)

I am being offered ICICI Sapphiro LTF, should I take it?

How is IndusInd Legend LTF?

What about ltf card from hdfc - mibeyback vs millenia vs Tata neu infinity?

 

[helloworld]

I recently applied for IDFC Select (I was told wealth card is only for wealth account holders, application in process)

I am being offered ICICI Sapphiro LTF, should I take it?

How is IndusInd Legend LTF?

What about ltf card from hdfc - mibeyback vs millenia vs Tata neu infinity?

Your requirement based on previous post:

1. I use Axis Ace for most of my spends. Please suggest how to convert to LTF.

Not possible. but can get fee waiver if you can spend 1.5L in a year

some checks about ace: https://www.technofino.in/community...-offers-for-cc-only-holders.20847/post-520782

2. I want a good Rupay card for UPI transactions.

Based on info u shared. Infinity 1.5%

3. My primary objective is cashbacks and offers only, so mainly looking for LTF cards.

Then Sapphiro, Select, Legend not useful with reward points and redemption fee and not good reward rate either compared to Ace or Infinity. Only Millennia matches this requirement.

4. Initially I want to collect cards for all major banks for offers, even entry level card would suffice for now.
5. My current CIBIL is 776. I am also concerned on how to manage/enhance my CIBIL in my pursuit for a good card portfolio.
6. Please do add in any other recommendations or suggestions if you have any.

Don't add any more cards for now. Instead figure your spends (budget), where they're going (categories), and how much. Then we can pick the suitable cards.

For now, IMO you're good with Ace, APay, Infinity and Millennia. Sapphiro may work for movie tickets, otherwise not good.

 

[apindersingh]

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)

How all icici cards LTF ?

 

[apindersingh]

I recently applied for IDFC Select (I was told wealth card is only for wealth account holders, application in process)

I am being offered ICICI Sapphiro LTF, should I take it?

How is IndusInd Legend LTF?

What about ltf card from hdfc - mibeyback vs millenia vs Tata neu infinity?

Do you hold any relationship with ICICI ?

 

[Gaara]

I am getting ICICI Saphhiro LTF. Should I take it?

 

[adam summers]

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 45 active credit cards as on date out of which 40 I got in last one year only, targeting a half century soon. Depth of credit 10+ years, CIBIL 797. No of enquiries last one year >60.

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
Citi Indian Oil Card
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank Reserv Card
YES Bank Virtual UPI CC LTF
HSBC Platinum Rewards LTF

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

How did you get those 40 credit cards in 1 year ?like without documents or did you submit any documents ? And what is the total limit of all the credit cards you have ?

 

[amitagl27]

My Folio of cards. Total 22 Cards

Card Details	Type
(CC) Niyo Global Credit Card (SBM Bank)	LTF
(CC) Amex - MRCC	FYF
(CC) IndusInd Signature Legends	LTF
(CC-V) Axis Kwik RuPay	LTF
(CC) HDFC Diners Club	LTF
(CC-V) HDFC Rupay	LTF
(CC) HDFC Swiggy Mastercard
(CC) IndusInd Eazydiner Signature
(CC) One Metal Card	LTF
(CC) HSBC Visa Platinum	LTF
(CC) IDFC First Wealth	LTF
(CC) Bank of Baroda Eterna
(CC) Au Bank Zenith	LTF
(CC) Axis Bank Select
(CC) Yes Marquee
(CC) PNB Rupay Select	LTF*
(CC) RBL Bank Shoprite Card	LTF
(CC) Federal Celesta	LTF
(CC) State Bank of India BPCL Octane
(CC) Union RuPay Select
(CC) Amazon ICICI	LTF
(CC) Kotak League	LTF

My target is to get cards from top 20 issuers. Below are left for now, I"ll keep trying

Canara Bank (application in progress)
StanC (They don't give me as I am self-employed, their loss me think ),
DBS Bank (seems have to open a bank account, haven't tried though).

 

[rahulsethi]

How did you get those 40 credit cards in 1 year ?like without documents or did you submit any documents ? And what is the total limit of all the credit cards you have ?

By applying 😅 total limit is 1.39 crores. Well few banks asked for income documents like ITR, Payslips few didnt. Many were floater cards so didn't require any documentation. Btw as on today the tally of active cards stands at 48. 2 more to go for half century.

 

[Hisoka]

Here’s the updated list



Total active cards: 23
Total LTF cards: 15

AMEX Plat Travel (2.3L)
AMEX Platinum Charge (LTF)
AU LIT (3L, LTF)
Axis Vistara (FYF, 5.1L)
Axis Atlas (5.1L)
Axis Airtel (FYF, 5.1L)
BOB OneCard (40k, LTF)
HDFC Millenia (4L, LTF)
HDFC Tata Neu infinity (4L, LTF)
HDFC Marriott (4L, LTF)
HDFC Swiggy (4L)
IDFC Millenia (1.25L, LTF)
ICICI Amazon Pay (2.4L, LTF)
ICICI Platinum (2.4L, LTF)
ICICI Coral Rupay (2.4L, LTF)
Indus Legend (3.3L split, LTF)
Indus Eazydiner (3.3L split)
HSBC Cashback (1.5L, FYF)
Kotak Zen (75k, LTF)
PNB Rupay Select (2L, Conditional LTF)
SBI Cashback (76k)
SBI SimplyClick (1.7L, LTF)
Yes Reserv (3L, FYF)
Yes Virtual Rupay (3L, LTF)


Closed cards: 4
AMEX MRCC (Upgraded to PT)
Axis Samsung (5.1L)
Axis Magnus (3.7L)
Axis Ace (50k)

My primary card
Axis Atlas


My top 5 all time fav cards
1. Axis Magnus
2. SBI Cashback
3. HSBC Cashback
4. HDFC Tata Neu Infinity
5. Indus EazyDiner


Ab koi nai puchega Platinum charge LTF kese banaya uska alag se thread hai

 

[ME_55]

Here’s the updated list



Total active cards: 23
Total LTF cards: 15

AMEX Plat Travel (2.3L)
AMEX Platinum Charge (LTF)
AU LIT (3L, LTF)
Axis Vistara (FYF, 5.1L)
Axis Atlas (5.1L)
Axis Airtel (FYF, 5.1L)
BOB OneCard (40k, LTF)
HDFC Millenia (4L, LTF)
HDFC Tata Neu infinity (4L, LTF)
HDFC Marriott (4L, LTF)
HDFC Swiggy (4L)
IDFC Millenia (1.25L, LTF)
ICICI Amazon Pay (2.4L, LTF)
ICICI Platinum (2.4L, LTF)
ICICI Coral Rupay (2.4L, LTF)
Indus Legend (3.3L split, LTF)
Indus Eazydiner (3.3L split)
HSBC Cashback (1.5L, FYF)
Kotak Zen (75k, LTF)
PNB Rupay Select (2L, Conditional LTF)
SBI Cashback (76k)
SBI SimplyClick (1.7L, LTF)
Yes Reserv (3L, FYF)
Yes Virtual Rupay (3L, LTF)


Closed cards: 4
AMEX MRCC (Upgraded to PT)
Axis Samsung (5.1L)
Axis Magnus (3.7L)
Axis Ace (50k)

My primary card
Axis Atlas


My top 5 all time fav cards
1. Axis Magnus
2. SBI Cashback
3. HSBC Cashback
4. HDFC Tata Neu Infinity
5. Indus EazyDiner


Ab koi nai puchega Platinum charge LTF kese banaya uska alag se thread hai

In these cards, which card is giving rp/cb on education fee?

 

[sai99488]

Current Active Cards

1. OneCard BOB: Limit 2L

2. ICICI Amazon Pay: Limit 2.3L

3. ICICI Platinum Chip: Limit 2.3L

4. Axis My Zone: Limit 97K

5. Axis Neo RuPay: Limit 97K

6. SC Platinum Rewards: Limit 2.1L

All are LTF,
CIBIL score fluctuating between 781 and 786
Feel free to share any suggestions!