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

[rahulsethi]

You don't need to be a privy customer to get white LTF
Kotak was issuing LTF white for new customers last month
Also if you ask for card closure , kotak retention team would mostly offer you white or Zen LTF

Yeah they had a salary based offer also on white LTF

 

[Satyarthi]

I'm pretty new to CC. Got my first cc from hdfc bank in 2022 and till now i have 4 CC.

1. HDFC CSC Small Business Moneyback Rupay LTF 60K (got it in April 2022 at 50K, 10K LE).
2. ICICI Apay 80K LTF (Got in July 2023)
3. ICICI Platinum 80K (shared with apay).
4. ICICI Coral Rupay 80K LTF(Shared) got it pre-approved 3 days back, card yet to be delivered.

 

[sudhirsiddhi]

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 40 active credit cards as on date out of which 35 I got in last 10 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 796. 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
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
Kotak League Rupay LTF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold 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
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

Overall Your Credit Card Limit???

 

[rahulsethi]

Overall Your Credit Card Limit???

1.37 Cr as per CIBIL report but a lot of this is double counted (Shared limits)

 

[balpreet.singh]

1.37 Cr as per CIBIL report but a lot of this is double counted (Shared limits)

I never looked into this data point( overall credit limit) Checked now after seeing this post. I always looked at limit per card and utilization % basis limit of that card. If I look at overall limit usage, I am at 0% as per report. Means negligible credit usage.

Regards,
Balpreet

 

[ahmedshaikh__]

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 40 active credit cards as on date out of which 35 I got in last 10 months only, targeting a half century soon. Depth of credit 10+ years, CIBIL 796. 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
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
Kotak League Rupay LTF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold 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
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

ICICI AP LTF
ICICI RUPY CORAL LTF
SBI SIMPLY CLICK PAID
KOTAK MOJO LTF
FEDERAL BANK SCAPIA LTF
INDUSIND CONTANCT LESS LTF
HDFC MILLENNIA LTF
BOB EASY LTF

LOOKING FOR upgrade INDusind and bob card idk how to do bob is almost 2 years with 26k limit and IndusInd is 1 year old with 50k limit

 

[RAMESH BABU N]

ICICI Apay (LTF)
(online n Amazon purchases)
Kotak Zen Signature (LTF)
(Intl launge n high value Trxns)
Axis Airtel
(all bill payments n for Airtel)
Axis KWIK RuPay (LTF)
(disappointed with Kiwi App)
SBI Cashback
(high value online/counter buys)
PNB Platinum RuPay (99.99% LTF)
(all RuPay, low value Trxns)
1Card (LTF)
(for fuel, Swiggy n Zomato)

Might close Axis Kwik (Go Kiwi App) as the failure rate is too high.

Now updated :

1. ICICI Apay (LTF)
(Amazon purchases)
2. Axis Airtel (fee reversal)
(all bill payments n for Airtel)
3. Axis KWIK RuPay (LTF)
(for low value UPI scans)
4. SBI Cashback (fee reversal)
(high value online/counter buys)
5. SBI PayTm RuPay
(added only this week)
6. PNB Select RuPay (99.99% LTF)
(all other RuPay Trxns)
7. 1Card (LTF)
(for fuel - till 12/2023)

Kotak Zen Signature (LTF) (with ADDon)
(mostly used by elder son)
Amex MRCC (with ADDon) (fee reversal)
(mostly used by elder son)

(5) n (6) could not say NO to ex-colleagues who wanted me to take it "anyway".

(3), (5) n (7) will be closed in 01/2024.

 

[James]

My portfolio :

HDFC Millenia FYF
SBI Simplyclick Paid
Axis Ace Paid
Axis airtel Paid
Axis IOCL LTF
ICICI APAY LTF
ICICI PLATINUM LTF
ICICI CORAL RUPAY LTF

 

[Desu Sarath]

ICICI Apay ( LTF) - 15L
ICICI sapphiro dual (LTF) - 10L
IDFC wealth (LTF) - 5L
Axis Airtel ( Paid) - 1.03L
Indusind Legend (LTF) - 8L
HDFC neu (LTF) - 1.5L
AU xcite Ultra ( LTF) -8L

 

[Tosh]

It has grown quite a bit since I started my journey in last year

DCB - LTF (For all purchases possible)
Sapphiro(Amex/Visa/MC) - LTF (Movies)
Zenith - LTF (Standalone Dining on weekdays)
First Wealth - LTF (Movies/No particular use)
SBI Cashback - Paid (Online purchases)
Axis Ace - Paid (Offline where DCB not accepted)
AmazonPay - LTF (Don't use since prime membership ended)
Neu Infinity - Paid (All UPI Transactions)

 

[zoro]

My active cards right now are,

LTF -

1. HDFC diners privilege
2. Tata Neu Infinity
3. Axis Flipkart
4. Axis Indian Oil
5. Citi Indian Oil
6. IndusInd Eazydiner
7. Amazon Pay ICICI
8. Kotak Zen
9. IDFC Wealth
10. Bob Premiere
11. One card - issued by South Indian Bank
12. RBL Shoprite

Conditional
I have Ola SBI which has a fee waiver if I spend one lakh or more.

I am planning to upgrade my SBI or get it converted as LTF, but every time I try to close the card the only retention offer I get is a waiver of the renewal fee, not able to upgrade to any other variant.

I was planning to apply for Amex Gold, as I spend almost 4 to 7k on fuel most of the time, let me know if any of you have any suggestions.

 

[codenerd]

Portolfio:
Amex Smart Earn - Free till 2025 March due to current year spends
Amex Gold Charge - Almost FYF if we compare joining benefits
Axis MyZone - LTF
Indusind Legend - LTF
IDFC Select - LTF
AU Xcite Ace - LTF
ICICI APay - LTF
ICICI Sapphiro - LTF (all 3 variants AMEX, Visa, MC)

Utilization Use cases-
Amex Smart Earn - Currently not much use but useful for brand offers. Used it a lot for rotating money via zomato trick. Got 1 year Eazydiner Prime + 3 months Zomato Gold free!!!
Amex Gold Charge - Tata Cliq Luxury, Ajio Luxe and other premium brand offers + 6*1000 monthly transactions for money rotation + Zomato Dining Bill pay. Got 1 year Eazydiner Prime + 3 months Zomato Gold free!!!
Axis MyZone - Swiggy discounts + Axis specific bank offers on websites + B1G1 upto 200 on Paytm Movies
Indusind Legend- Domestic Lounge (non spend based) + Brand specific offers + Weekend spend gives 1.5% return + Free TimesPrime membership via Visa
AU Xcite Ace - Zomato Dining bill pay above 1500-2500 to get additional discount + Flight offers on Adani One and Yatra + B1G1 Paytm movies upto 200 + Myntra and other brand specific offers for flat 10-20%
ICICI Apay - Any online and offline spend which is not covered by other cards to get 1% return + Azmzon prime acc gives 3-5%
ICICI Sapphiro - B1G1 upto 500 per movie and non movie ticket on BMS + ICICI bank ofers where Amazon pay cards are not allowed + Dreamfolks international airport lounge + Domestic spa

 

[cardy]

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 41 active credit cards as on date out of which 36 I got in last 10 months 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
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
Kotak League Rupay LTF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold 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
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 First Exclusive Card
YES Bank Virtual UPI CC LTF

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

Have keen interest on IDBI Royal Signature Card but there's no proper information straight from the horse's mouth. will you share your experience regarding this card. How to get this Easy way. Must have required documents for it. If possible via C2C or salary slip or itr etc. how much limit on card or salary or itr needed ?

 

[cardy]

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 41 active credit cards as on date out of which 36 I got in last 10 months 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
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
Kotak League Rupay LTF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold 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
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 First Exclusive Card
YES Bank Virtual UPI CC LTF

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

Can you share your experience how you achieved four cards in HDFC?

 

[SSV]

I never looked into this data point( overall credit limit) Checked now after seeing this post. I always looked at limit per card and utilization % basis limit of that card. If I look at overall limit usage, I am at 0% as per report. Means negligible credit usage.

Regards,
Balpreet

You were looking in the right way only as far as utilisation ratio was concerned..
This total limit is to ascertain total available debt to Income ratio..
The more this ratio is , the riskier the credit profile

 

[aayusharyan]

Kotak Zen Signature (LTF) (with ADDon)

What is your relationship with Kotak? Do you hold a Privy account to get this as LTF?

 

[sousnake]

What is your relationship with Kotak? Do you hold a Privy account to get this as LTF?

With Privy account you can get even better cards as LTF.
For Zen LTF you can get league platinum ltf then upgrade it to zen ltf.

 

[RAMESH BABU N]

What is your relationship with Kotak? Do you hold a Privy account to get this as LTF?

No. I have a simple 811 account - no cheque book, no Debit Card. I was maintaining about 1 lakh plus all along. Kotak guys are after me. I said no for 2 months - all paid cards. Then, said yes for ZEN LTF. Got an add-on for my elder son who works in HYD (alongwith AMEX MRCC ADDON card). He is happy. So, I am happy.

 

[aayusharyan]

No. I have a simple 811 account - no cheque book, no Debit Card. I was maintaining about 1 lakh plus all along. Kotak guys are after me. I said no for 2 months - all paid cards. Then, said yes for ZEN LTF. Got an add-on for my elder son who works in HYD (alongwith AMEX MRCC ADDON card). He is happy. So, I am happy.

And how old was your relationship with Kotak if I may ask?

 

[RAMESH BABU N]

And how old was your relationship with Kotak if I may ask?

11 months only....