My Portfolio Optimisation

[iamabhisekagar]

Hi,
So I have got following CC:

1. Kotak 811 CC LTF 1.2L
2. Kotak Rupay League LTF 1.2 L
3. SBI Simplyclick Paid 32K
4. SBI Cashback Paid 93K
5. HDFC Business Moneyback LTF 48K
6. HDFC Tata Neu Plus LTF 48K
7. PNB Rupay Platinum Conditional LTF 50K
8. Flipkart Axis Paid 69K
9. Also going to apply for an IDFC First CC

Here is My Father CC Portfolio:

1. Axis Neo CC LTF 2.65L
2. Axis Myzone LTF 2.65L
3. SBI Simplyclick Paid 3.4L
4. Indusind Legend LTF 4.08L
5. In process ICICI HPCL Supersaver Rupay CC

My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.

 

[iamabhisekagar]

CB Card se Zomato Swiggy Eatclub me 5% milta h kya?

 

[pprakash11]

CB Card se Zomato Swiggy Eatclub me 5% milta h kya?

Yes

 

[Abhishek012]

CB Card se Zomato Swiggy Eatclub me 5% milta h kya?

Amazon, Magicpin se gv buy karlo na Zomato Swiggy sab k. kuch discount mil jayega + SBI CB Card k 5% cb.

 

[4uziaul]

Amazon, Magicpin se gv buy karlo na Zomato Swiggy sab k. kuch discount mil jayega + SBI CB Card k 5% cb.

Mera toh card ka option hi uda Diya kuch batao kya kare 🥹

 

[pprakash11]

mera sab kuchh ka option ud gaya

payment ka koi option nahi

Mera toh card ka option hi uda Diya kuch batao kya kare 🥹

 

[Chaitanya-a]

mera sab kuchh ka option ud gaya

payment ka koi option nahi

Ishara hai ghar ke khane ka🤣

 

[pprakash11]

Ishara hai ghar ke khane ka🤣

woh sab to theek hai

par sala myntra pe bhi koi payment option nahi

 

[Chaitanya-a]

woh sab to theek hai

par sala myntra pe bhi koi payment option nahi

Zyada khareed liye hoge kbi. Myntra ka paytm se lelo 10% off pe.

 

[iamabhisekagar]

mera sab kuchh ka option ud gaya

payment ka koi option nahi

Mera me sirf UPI h...BB GV me Amazon Pay ka option h bas

 

[iamabhisekagar]

Saanp Paal liye h hm bhi...

 

[SSV]

Saanp Paal liye h hm bhi...

what is Snapdeal selling these days?? still in business??

 

[iamabhisekagar]

what is Snapdeal selling these days?? still in business??

Don't know...got it for bank discounts and 2.5% cashback on top of it....1% cashback on UPI transactions

 

[iamabhisekagar]

Hi,
So I have got following CC:

1. Kotak 811 CC LTF 1.2L
2. Kotak Rupay League LTF 1.2 L
3. SBI Simplyclick Paid 32K
4. SBI Cashback Paid 93K
5. HDFC Business Moneyback LTF 48K
6. HDFC Tata Neu Plus LTF 48K
7. PNB Rupay Platinum Conditional LTF 50K
8. Flipkart Axis Paid 69K
9. Also going to apply for an IDFC First CC

Here is My Father CC Portfolio:

1. Axis Neo CC LTF 2.65L
2. Axis Myzone LTF 2.65L
3. SBI Simplyclick Paid 3.4L
4. Indusind Legend LTF 4.08L
5. In process ICICI HPCL Supersaver Rupay CC

My annual Spends are for Groceries (mostly online)
Utility Spends around 50K (Phone, Broadband, Gas, Electricity)
Railways and Flights (around 30k)
Insurance (around 40K)
Electronics (around 50K)
Medicines (around 40K)

Would Like to hear your suggestions to optimize my card Portfolio.

Update:
Closed PNB Rupay Platinum CC
Closed HDFC Business Moneyback CC
Closed HDFC Tata Neu Plus CC

Got BOB Snapdeal CC Paid 25K
IndusInd Legend CC LTF 132K

IDFC not providing me with Unsecured CC as of now.
ICICI also rejected the CC Application...
Applied for HDFC Millennia...was rejected

Would like to know which CC should I upgrade my Kotak 811 CC to...

 

[James]

Update:
Closed PNB Rupay Platinum CC
Closed HDFC Business Moneyback CC
Closed HDFC Tata Neu Plus CC

Got BOB Snapdeal CC Paid 25K
IndusInd Legend CC LTF 1.32K

IDFC not providing me with Unsecured CC as of now.
ICICI also rejected the CC Application...
Applied for HDFC Millennia...was rejected

Would like to know which CC should I upgrade my Kotak 811 CC to...

IndusInd Legend CC LTF 1.32K? 1.32k limit

Did you apply for Apay?

 

[Rahul Gupta]

Update:
Closed PNB Rupay Platinum CC
Closed HDFC Business Moneyback CC
Closed HDFC Tata Neu Plus CC

Got BOB Snapdeal CC Paid 25K
IndusInd Legend CC LTF 1.32K

IDFC not providing me with Unsecured CC as of now.
ICICI also rejected the CC Application...
Applied for HDFC Millennia...was rejected

Would like to know which CC should I upgrade my Kotak 811 CC to...

Apply for millennia after 6 months.
open savings account for pre-approved icici LTF cc.

 

[iamabhisekagar]

IndusInd Legend CC LTF 1.32K? 1.32k limit

Did you apply for Apay?

132k

Applied Apay 4 times... rejected everytime

 

[James]

132k

Applied Apay 4 times... rejected everytime

It's sad. I heard and think apay is easy to get

 

[Rahul Gupta]

It's sad. I heard and think apay is easy to get

Its very easy to get for those who already have existing icic cc or icici savings/current account.

 

[pprakash11]

Update:
Closed PNB Rupay Platinum CC
Closed HDFC Business Moneyback CC
Closed HDFC Tata Neu Plus CC

Got BOB Snapdeal CC Paid 25K
IndusInd Legend CC LTF 132K

IDFC not providing me with Unsecured CC as of now.
ICICI also rejected the CC Application...
Applied for HDFC Millennia...was rejected

Would like to know which CC should I upgrade my Kotak 811 CC to...

BoB still doing home + office verification both ??

 

[James]

BoB still doing home + office verification both ??

I applied Bob Snapdeal few days. I got a call from a guy. I said I'm working from home. I don't know what will happen to my application